For the quarter ending 2025-09-30, FNLC made $83,627K in revenue. $12,751K in net income. Net profit margin of 15.25%.
| 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 | 32,052 | 33,498 |
| Interest on deposits with other banks | 108 | 51 | 219 | 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 | 4,723 | 4,733 |
| Total interest income | 41,005 | 39,825 | 36,994 | 38,287 |
| Interest on deposits | 19,380 | 19,725 | 19,739 | 20,118 |
| Interest on borrowed funds | 1,567 | 1,691 | 1,039 | 1,767 |
| Total interest expense | 20,947 | 21,416 | 20,777 | 21,885 |
| Net interest income | 20,058 | 18,409 | 16,217 | 16,402 |
| Credit loss expense (reduction) - loans | 690 | 348 | 673 | -580 |
| Credit loss (reduction) expense - debt securities htm | -12 | 1 | -140 | 76 |
| Credit loss expense (reduction) - off-balance sheet credit exposures | 22 | 137 | -207 | -134 |
| Total credit loss expense (reduction) | 700 | 486 | 326 | -638 |
| Net interest income after provision for credit losses | 19,358 | 17,923 | 15,891 | 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 | - | - | 3,314 | 3,301 |
| Non-interest income-Debit Card | 1,403 | 1,286 | - | - |
| Other operating income | 980 | 747 | 725 | 821 |
| Total non-interest income | 4,475 | 4,129 | 4,038 | 4,122 |
| Salaries and employee benefits | 6,674 | 6,276 | 6,260 | 6,126 |
| Occupancy expense | 814 | 876 | 854 | 823 |
| Furniture and equipment expense | 1,491 | 1,438 | 1,415 | 1,416 |
| Fdic insurance premiums | 698 | 701 | 597 | 636 |
| Amortization of identified intangibles | 7 | 6 | 7 | 7 |
| Other operating expense | 3,070 | 2,902 | 2,823 | 2,992 |
| Total non-interest expense | 12,754 | 12,199 | 11,953 | 12,000 |
| Income before income taxes | 11,079 | 9,853 | 7,976 | 9,162 |
| Income tax expense | 1,997 | 1,790 | 1,325 | 1,591 |
| Net income | 9,082 | 8,063 | 6,652 | 7,571 |
| Net unrealized gain on securities available for sale, net of taxes | 3,714 | 1,465 | -5,759 | 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 loss on hedging derivative instruments | -65 | 2 | 364 | -869 |
| Other comprehensive gain | 3,669 | 1,452 | -5,401 | 8,108 |
| Comprehensive income | 12,751 | 9,515 | 1,251 | 15,679 |
| Basic earnings per common share (usd per share) | 0.82 | 0.73 | 0.6 | 0.69 |
| Basic eps income available to common shareholders (in shares) | 11,093,631 | 11,084,335 | -5,527,576.5 | 11,057,872 |
| Diluted earnings per common share (usd per share) | 0.81 | 0.72 | 0.6 | 0.68 |
| Diluted eps income available to common shareholders plus assumed conversions (in shares) | 11,211,935 | 11,203,095 | -5,571,743.5 | 11,145,131 |
First Bancorp, Inc ME (FNLC)
First Bancorp, Inc ME (FNLC)