Financial insights of FFIC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$10,447K
EPS
$0.3
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	94,970	95,005	93,032	95,780
Interest	19,785	20,186	21,413	24,215
Dividends	29	28	28	33
Other interest and dividend income	1,685	2,183	2,063	2,565
Total interest and dividend income	116,469	117,402	116,536	122,593
Deposits	57,137	59,037	57,174	66,150
Other interest expense	5,504	5,156	6,373	10,840
Total interest expense	62,641	64,193	63,547	76,990
Net interest income (loss)	53,828	53,209	52,989	45,603
Provision (benefit) for credit losses	1,531	4,194	4,318	1,727
Net interest income after provision (benefit) for credit losses	52,297	49,015	48,671	43,876
Life insurance proceeds	-	-	-	1
Revenue from contract with customer, including assessed tax	2,000	1,948	1,521	1,790
Gain (loss) on sales of loans, net	318	2,757	630	137
Net gain (loss) on sale of securities	661	-	-	-
Net gain (loss) from fair value adjustments	-1,831	1,656	-152	974
Federal home loan bank of new york stock dividends	369	428	697	624
Bank owned life insurance	2,319	2,835	1,574	1,260
Noninterest income, other operating income	910	653	804	1,491
Total non-interest income (loss)	4,746	10,277	5,074	6,277
Labor and related expense	24,685	22,648	22,896	22,216
Occupancy and equipment	4,189	4,005	4,092	3,745
Impairment of goodwill	-	-	17,636	-
Professional fees	3,999	3,452	2,885	2,752
Federal deposit insurance corporation premium expense	1,373	1,508	1,709	1,318
Information technology and data processing	1,831	1,806	1,868	1,681
Gains (losses) on sales of investment real estate	-	-	-	174
Depreciation and amortization of bank premises and equipment	1,316	1,367	1,373	1,436
Other real estate owned / foreclosure expense	-353	-220	-345	-135
Other noninterest expense	5,619	5,350	6,872	5,587
Total non-interest expense	43,365	40,356	59,676	38,696
Income (loss) before income taxes	13,678	18,936	-5,931	11,457
Federal	2,211	3,171	2,172	1,484
State and local income tax expense (benefit), continuing operations	1,020	1,562	1,693	1,067
Total provision (benefit) for income taxes	3,231	4,733	3,865	2,551
Net income (loss)	10,447	14,203	-9,796	8,906

Basic EPS	0.3	0.41	-0.29	0.3
Diluted EPS	0.3	0.41	-0.29	0.3
Basic Average Shares	33,939,000	33,929,000	33,932,000	-
Diluted Average Shares	-	-	-	29,742,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$10,447K
EPS
$0.3
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$10,447K
EPS
$0.3
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$10,447KEPS$0.3Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$10,447KEPS$0.3Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$10,447K
EPS
$0.3
Unit: Thousand (K) dollars

Net Income
$10,447K
EPS
$0.3
Unit: Thousand (K) dollars