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Income Overview
Net Income
$12,751K
EPS
$0.81
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
(includes ytd tax-exempt...
$36,197K
(8.06%↑ Y/Y)
Interest and dividends on
investments (includes ytd...
$4,700K
(-0.70%↓ Y/Y)
Interest on deposits with
other banks
$108K
(92.86%↑ Y/Y)
Total interest income
$41,005K
(7.10%↑ Y/Y)
Net interest income
$20,058K
(22.29%↑ Y/Y)
Non-interest income-Debit
Card
$1,403K
Non-interest
income-Fiduciary And Trust
$1,341K
Other operating
income
$980K
(19.37%↑ Y/Y)
Non-interest income-Deposit
Account
$532K
Non-interest
income-Mortgage Banking
$219K
Total interest
expense
$20,947K
(-4.29%↓ Y/Y)
Net interest income
after provision for...
$19,358K
(13.60%↑ Y/Y)
Total non-interest
income
$4,475K
(8.56%↑ Y/Y)
Total credit loss
expense (reduction)
$700K
(209.72%↑ Y/Y)
Credit loss
(reduction) expense - debt...
-$12K
(-115.79%↓ Y/Y)
Interest on deposits
$19,380K
(-3.67%↓ Y/Y)
Interest on borrowed
funds
$1,567K
(-11.32%↓ Y/Y)
Income before income
taxes
$11,079K
(20.92%↑ Y/Y)
Net unrealized gain
on securities...
$3,714K
(-58.62%↓ Y/Y)
Total non-interest
expense
$12,754K
(6.28%↑ Y/Y)
Net unrealized gain
on transferred...
$20K
(900.00%↑ Y/Y)
Credit loss expense
(reduction) - loans
$690K
(218.97%↑ Y/Y)
Credit loss expense
(reduction) - off-balance...
$22K
(116.42%↑ Y/Y)
Net income
$9,082K
(19.96%↑ Y/Y)
Other comprehensive
gain
$3,669K
(-54.75%↓ Y/Y)
Income tax expense
$1,997K
(25.52%↑ Y/Y)
Net unrealized gain
on hedging...
-$65K
(92.52%↑ Y/Y)
Salaries and employee
benefits
$6,674K
(8.95%↑ Y/Y)
Other operating
expense
$3,070K
(2.61%↑ Y/Y)
Furniture and equipment
expense
$1,491K
(5.30%↑ Y/Y)
Occupancy expense
$814K
(-1.09%↓ Y/Y)
Fdic insurance
premiums
$698K
(9.75%↑ Y/Y)
Amortization of identified
intangibles
$7K
(0.00%↑ Y/Y)
Comprehensive income
$12,751K
(-18.67%↓ Y/Y)
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First Bancorp, Inc ME (FNLC)
First Bancorp, Inc ME (FNLC)