First Bancorp, Inc ME (FNLC)
2025-06-30 | 2024-09-30 | 2024-06-30 | ||
|---|---|---|---|---|
| Non-interest income-Debit Card | 1,286 | - | - | |
| Non-interest income-Mortgage Banking | 221 | - | - | |
| Non-interest income-Fiduciary And Trust | 1,336 | - | - | |
| Non-interest income-Deposit Account | 539 | - | - | |
| Other operating income | 747 | 821 | 824 | |
| Non-interest income | - | 3,301 | 3,333 | |
| Total non-interest income | 4,129 | 4,122 | 4,157 | |
| Other operating expense | 2,902 | 2,992 | 2,877 | |
| Occupancy expense | 876 | 823 | 843 | |
| Salaries and employee benefits | 6,276 | 6,126 | 5,585 | |
| Fdic insurance premiums | 701 | 636 | 562 | |
| Furniture and equipment expense | 1,438 | 1,416 | 1,377 | |
| Amortization of identified intangibles | 6 | 7 | 6 | |
| Total non-interest expense | 12,199 | 12,000 | 11,250 | |
| Interest on deposits | 19,725 | 20,118 | 19,816 | |
| Interest on borrowed funds | 1,691 | 1,767 | 1,667 | |
| Total interest expense | 21,416 | 21,885 | 21,483 | |
| Interest on deposits with other banks | 51 | 56 | 56 | |
| Interest and fees on loans (includes ytd tax-exempt income of 1,388,000 for june30, 2025 and 1,111,000 for june30, 2024) | 35,014 | 33,498 | 31,839 | |
| Interest and dividends on investments (includes ytd tax-exempt income of 3,913,000 for june30, 2025 and 3,985,000 for june30, 2024) | 4,760 | 4,733 | 4,663 | |
| Total interest income | 39,825 | 38,287 | 36,558 | |
| Net interest income | 18,409 | 16,402 | 15,075 | |
| Credit loss expense - loans | 348 | -580 | 539 | |
| Credit loss expense (reduction) - off-balance sheet credit exposures | 137 | -134 | 7 | |
| Credit loss expense (reduction) - debt securities htm | 1 | 76 | -34 | |
| Total credit loss expense (reduction) | 486 | -638 | 512 | |
| Net interest income after provision for credit losses | 17,923 | 17,040 | 14,563 | |
| Income before income taxes | 9,853 | 9,162 | 7,470 | |
| Income tax expense | 1,790 | 1,591 | 1,299 | |
| Net income | 8,063 | 7,571 | 6,171 | |
| Net unrealized gain (loss) on securities available for sale, net of taxes | 1,465 | 8,975 | -553 | |
| Net unrealized (loss) gain on hedging derivative instruments | 2 | -869 | -2 | |
| Net unrealized (loss) gain on transferred securities, net of taxes | -15 | 2 | 3 | |
| Other comprehensive gain (loss) | 1,452 | 8,108 | -552 | |
| Comprehensive income | 9,515 | 15,679 | 5,619 | |
| Basic earnings per common share (usd per share) | 0.73 | 0.69 | 0.56 | |
| Basic eps income available to common shareholders (in shares) | 11,084,335 | 11,057,872 | 11,049,110 | |
| Diluted earnings per common share (usd per share) | 0.72 | 0.68 | 0.55 | |
| Diluted eps income available to common shareholders plus assumed conversions (in shares) | 11,203,095 | 11,145,131 | 11,137,191 | |