| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| 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 | 33,498 | 31,839 |
| Interest on deposits with other banks | 108 | 51 | 56 | 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 | 4,733 | 4,663 |
| Total interest income | 41,005 | 39,825 | 38,287 | 36,558 |
| Interest on deposits | 19,380 | 19,725 | 20,118 | 19,816 |
| Interest on borrowed funds | 1,567 | 1,691 | 1,767 | 1,667 |
| Total interest expense | 20,947 | 21,416 | 21,885 | 21,483 |
| Net interest income | 20,058 | 18,409 | 16,402 | 15,075 |
| Credit loss expense (reduction) - loans | 690 | 348 | -580 | 539 |
| Credit loss (reduction) expense - debt securities htm | -12 | 1 | 76 | -34 |
| Credit loss expense (reduction) - off-balance sheet credit exposures | 22 | 137 | -134 | 7 |
| Total credit loss expense (reduction) | 700 | 486 | -638 | 512 |
| Net interest income after provision for credit losses | 19,358 | 17,923 | 17,040 | 14,563 |
| 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 | - | - | 3,301 | 3,333 |
| Non-interest income-Debit Card | 1,403 | 1,286 | - | - |
| Other operating income | 980 | 747 | 821 | 824 |
| Total non-interest income | 4,475 | 4,129 | 4,122 | 4,157 |
| Salaries and employee benefits | 6,674 | 6,276 | 6,126 | 5,585 |
| Occupancy expense | 814 | 876 | 823 | 843 |
| Furniture and equipment expense | 1,491 | 1,438 | 1,416 | 1,377 |
| Fdic insurance premiums | 698 | 701 | 636 | 562 |
| Amortization of identified intangibles | 7 | 6 | 7 | 6 |
| Other operating expense | 3,070 | 2,902 | 2,992 | 2,877 |
| Total non-interest expense | 12,754 | 12,199 | 12,000 | 11,250 |
| Income before income taxes | 11,079 | 9,853 | 9,162 | 7,470 |
| Income tax expense | 1,997 | 1,790 | 1,591 | 1,299 |
| Net income | 9,082 | 8,063 | 7,571 | 6,171 |
| Net unrealized gain on securities available for sale, net of taxes | 3,714 | 1,465 | 8,975 | -553 |
| Net unrealized gain on transferred securities, net of taxes | 20 | -15 | 2 | 3 |
| Net unrealized loss on hedging derivative instruments | -65 | 2 | -869 | -2 |
| Other comprehensive gain | 3,669 | 1,452 | 8,108 | -552 |
| Comprehensive income | 12,751 | 9,515 | 15,679 | 5,619 |
| Basic earnings per common share (usd per share) | 0.82 | 0.73 | 0.69 | 0.56 |
| Basic eps income available to common shareholders (in shares) | 11,093,631 | 11,084,335 | 11,057,872 | 11,049,110 |
| Diluted earnings per common share (usd per share) | 0.81 | 0.72 | 0.68 | 0.55 |
| Diluted eps income available to common shareholders plus assumed conversions (in shares) | 11,211,935 | 11,203,095 | 11,145,131 | 11,137,191 |
First Bancorp, Inc ME (FNLC)
First Bancorp, Inc ME (FNLC)