FNRN Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	58.64	58	55.39	52.2	42.32	39.21
Interest Income on Investments	25.36	24.31	23.26	21.92	13.57	7.97
Total Interest Income	84	82.31	78.65	74.12	55.88	47.18
Interest Paid on Deposits	15.21	14.76	14.29	7.58	1.19	0.91
Interest Paid on Borrowings	-	0.08	-	-	-	-
Total Interest Expense	15.21	14.84	14.29	7.58	1.19	0.91
Net Interest Income	68.79	67.47	64.36	66.54	54.7	46.26
Net Interest Income Growth	4.35%	4.83%	-3.28%	21.65%	18.23%	-2.35%
Gain (Loss) on Sale of Investments	-0.22	-0.2	-0.23	-0.11	-0.15	-0.22
Other Non-Interest Income	5.09	4.57	4.48	4.74	5.27	4.9
Total Non-Interest Income	6.61	6.1	6.02	6.44	6.93	7.86
Non-Interest Income Growth	9.84%	1.30%	-6.54%	-7.11%	-11.83%	0.69%
Revenues Before Loan Losses	75.4	73.57	70.38	72.98	61.63	54.13
Provision for Loan Losses	0.05	-	-0.25	1.1	0.9	-1.5
Revenue	75.35	73.57	70.63	71.88	60.73	55.63
Revenue Growth	4.52%	4.16%	-1.74%	18.36%	9.17%	6.69%
Salaries and Employee Benefits	25.15	24.53	23	25.09	23.55	22.17
Occupancy Expenses	3.64	3.93	3.51	3.11	2.44	2.28
Amortization of Goodwill & Intangibles	0.86	0.73	0.82	0.83	-	-
Selling, General & Administrative	8	7.69	7.38	7.23	6.34	6.07
Other Non-Interest Expense	9.01	9.29	8.08	7.37	6.73	5.69
Total Non-Interest Expense	46.67	46.16	42.79	43.64	39.06	36.2
EBT Excluding Unusual Items	28.68	27.41	27.84	28.24	21.67	19.43
Other Unusual Items	-	-	-	1.41	-	-
Pretax Income	28.68	27.41	27.84	29.65	21.67	19.43
Income Tax Expense	6.05	6.28	7.81	8.09	5.78	5.24
Net Income	22.63	21.13	20.03	21.55	15.88	14.19
Net Income to Common	22.63	21.13	20.03	21.55	15.88	14.19
Net Income Growth	10.52%	5.46%	-7.05%	35.70%	11.97%	16.65%
Basic Shares Outstanding	16	16	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change	-1.29%	-1.87%	-0.00%	0.40%	-2.66%	-0.18%
EPS (Basic)	1.40	1.30	1.20	1.29	0.95	0.83
EPS (Diluted)	1.36	1.27	1.19	1.28	0.94	0.82
EPS Growth	10.88%	6.72%	-6.75%	35.29%	14.95%	17.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	21.11%	22.91%	28.04%	27.30%	26.69%	26.97%