Financial insights of FNLC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$12,751K
EPS
$0.81
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Interest and fees on loans (includes ytd tax-exempt income of 2,169,000 for september30, 2025 and 1,824,000 for september30, 2024)	36,197	35,014	31,435*	33,498
Interest on deposits with other banks	108	51	382*	56
Interest and dividends on investments (includes ytd tax-exempt income of 5,865,000 for september30, 2025 and 5,971,000 for september30, 2024)	4,700	4,760	4,748*	4,733
Total interest income	41,005	39,825	36,565*	38,287
Interest on deposits	19,380	19,725	19,510*	20,118
Interest on borrowed funds	1,567	1,691	360*	1,767
Total interest expense	20,947	21,416	19,870*	21,885
Net interest income	20,058	18,409	16,695*	16,402
Credit loss expense (reduction) - loans	690	348	1,366*	-580
Credit loss (reduction) expense - debt securities htm	-12	1	-301*	76
Credit loss expense (reduction) - off-balance sheet credit exposures	22	137	-350*	-134
Total credit loss expense (reduction)	700	486	714*	-638
Net interest income after provision for credit losses	19,358	17,923	15,981*	17,040
Non-interest income-Fiduciary And Trust	1,341	1,336	-	-
Non-interest income-Deposit Account	532	539	-	-
Non-interest income-Mortgage Banking	219	221	-	-
Non-interest income	-	-	3,311*	3,301
Non-interest income-Debit Card	1,403	1,286	-	-
Other operating income	980	747	627*	821
Total non-interest income	4,475	4,129	3,937*	4,122
Salaries and employee benefits	6,674	6,276	6,664*	6,126
Occupancy expense	814	876	874*	823
Furniture and equipment expense	1,491	1,438	1,433*	1,416
Fdic insurance premiums	698	701	594*	636
Amortization of identified intangibles	7	6	7*	7
Other operating expense	3,070	2,902	2,711*	2,992
Total non-interest expense	12,754	12,199	12,281*	12,000
Income before income taxes	11,079	9,853	7,636*	9,162
Income tax expense	1,997	1,790	1,204*	1,591
Net income	9,082	8,063	6,432*	7,571
Net unrealized gain on securities available for sale, net of taxes	3,714	1,465	-15,741*	8,975
Net unrecognized (loss) gain on postretirement benefits	-	-	4*	-
Net unrealized gain on transferred securities, net of taxes	20	-15	2*	2
Net unrealized gain on hedging derivative instruments	-65	2	1,164*	-869
Other comprehensive gain	3,669	1,452	-14,580*	8,108
Comprehensive income	12,751	9,515	-8,148	15,679

Basic EPS	0.82	0.73	-0.737	0.69
Diluted EPS	0.81	0.72	-0.732	0.68
Basic Average Shares	11,093,631	11,084,335	11,048,505	11,057,872
Diluted Average Shares	11,211,935	11,203,095	11,134,183	11,145,131

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

MyFinsight

Income Overview

Net Income
$12,751K
EPS
$0.81
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
$12,751K
EPS
$0.81
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$12,751KEPS$0.81Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$12,751KEPS$0.81Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$12,751K
EPS
$0.81
Unit: Thousand (K) dollars

Net Income
$12,751K
EPS
$0.81
Unit: Thousand (K) dollars