First National 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	86.11	85.17	63.48	49.29	41.72	32.8
Interest Income on Investments	14.17	14.32	12.84	8.43	7.68	4.35
Total Interest Income	100.27	99.5	76.32	57.72	49.4	37.14
Interest Paid on Deposits	23	24.29	20.96	13.66	3.27	1.42
Interest Paid on Borrowings	1.37	1.96	2.9	0.65	0.55	0.89
Total Interest Expense	24.37	26.25	23.87	14.31	3.82	2.3
Net Interest Income	75.9	73.25	52.45	43.41	45.58	34.84
Net Interest Income Growth	14.65%	39.64%	20.82%	-4.74%	30.81%	18.23%
Trust Income	3.66	3.61	3.62	3.12	3.01	2.71
Gain (Loss) on Sale of Assets	0.06	-	-0.05	-	-0.03	0.02
Gain (Loss) on Sale of Investments	0.01	-	-0.12	0.23	0.88	0.04
Other Non-Interest Income	9.56	9.06	6.84	5.65	6.08	5.34
Total Non-Interest Income	17.06	16.63	13.41	11.78	12.62	10.19
Non-Interest Income Growth	20.66%	24.02%	13.81%	-6.63%	23.89%	23.42%
Revenues Before Loan Losses	92.97	89.88	65.86	55.2	58.2	45.03
Provision for Loan Losses	2.02	2.89	7.85	6.15	1.85	-0.65
Revenue	90.95	86.99	58.01	49.05	56.35	45.68
Revenue Growth	26.05%	49.95%	18.28%	-12.95%	23.36%	31.55%
Salaries and Employee Benefits	33.63	32.48	24.5	20.29	19.92	17.44
Federal Deposit Insurance	1.01	1.29	0.86	0.63	0.46	0.35
Amortization of Goodwill & Intangibles	1.75	1.77	0.46	0.02	0.02	0.03
Selling, General & Administrative	16.49	16.19	11.26	9.46	9.05	9.99
Other Non-Interest Expense	11.32	11.56	7.68	7.04	6.25	4.91
Total Non-Interest Expense	64.21	63.27	44.78	37.24	35.6	32.73
EBT Excluding Unusual Items	26.74	23.72	13.24	11.81	20.75	12.95
Other Unusual Items	0.3	0.38	2.92	-	-	-
Pretax Income	26.92	21.94	8.05	11.81	20.75	12.95
Income Tax Expense	5.23	4.24	1.08	2.18	3.95	2.59
Net Income	21.68	17.7	6.97	9.62	16.8	10.36
Net Income to Common	21.68	17.7	6.97	9.62	16.8	10.36
Net Income Growth	172.28%	154.13%	-27.62%	-42.70%	62.15%	16.95%
Basic Shares Outstanding	9	9	7	6	6	6
Diluted Shares Outstanding	9	9	7	6	6	6
Shares Change	8.55%	29.33%	11.02%	0.32%	12.60%	13.91%
EPS (Basic)	2.40	1.97	1.00	1.54	2.69	1.87
EPS (Diluted)	2.39	1.96	1.00	1.53	2.68	1.86
EPS Growth	149.52%	96.00%	-34.64%	-42.91%	44.09%	2.43%

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
Dividend Per Share	0.665	0.635	0.605	0.600	0.560	0.480
Dividend Growth	8.13%	4.96%	0.83%	7.14%	16.67%	9.09%
Effective Tax Rate	19.44%	19.33%	13.44%	18.48%	19.05%	19.98%

SEC Filings: 10-K · 10-Q