| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 15,150 | 9,137 |
| Depreciation | 753 | 503 |
| Accretion and amortization of investment securities premiums and discounts, net | 1,027 | 681 |
| (increase) decrease in deferred loan origination fees and costs, net | 120 | - |
| Amortization of core deposit intangible | 550 | 369 |
| Provision for credit losses | 850 | - |
| Stock-based compensation | 621 | 364 |
| Originations of loans held-for-sale | - | 1,884 |
| Losses on sales/calls of available-for-sale securities | -148 | -89 |
| Decrease in deferred loan origination fees and costs, net | - | -197 |
| Amortization of operating lease right-of-use asset | 674 | 438 |
| Gains on sales of loans held-for-sale | 42 | 24 |
| Proceeds from sales of loans held-for-sale | 2,683 | 1,908 |
| Originations of loans held-for-sale | 2,641 | - |
| Gain on purchase of tax credits | 1,215 | - |
| Decrease in interest payable and other liabilities | - | -1,473 |
| Purchase of tax credits | 14,218 | - |
| Increase in interest receivable and other assets | 7,111 | 3,436 |
| Provision for credit losses | - | 850 |
| Increase (decrease) in interest payable and other liabilities | 4,265 | - |
| Net cash (used in) provided by operating activities | -680 | 5,963 |
| Proceeds from calls or maturities of available-for-sale securities | 39,800 | 24,000 |
| Proceeds from sales of available-for-sale securities | 29,426 | 27,315 |
| Principal repayments on available-for-sale securities | 64,229 | 42,420 |
| Purchases of federal home loan bank stock and other equity securities, at cost | - | -353 |
| Purchases of available-for-sale securities | 77,475 | 36,780 |
| Proceeds from maturities of certificates of deposit | 4,124 | 2,208 |
| Purchases of certificates of deposit | 940 | - |
| Net (increase) decrease in loans | 9,849 | 17,259 |
| Purchases of federal home loan bank stock and other equity securities, at cost | 353 | - |
| Purchases of certificates of deposit | - | 710 |
| Purchases of premises and equipment | 1,269 | 431 |
| Net cash provided by (used in) investing activities | 47,693 | 40,410 |
| Net (decrease) increase in deposits | -13,673 | -36,812 |
| Cash dividends paid in lieu of fractional shares | 8 | 8 |
| Repurchases of common stock | 3,270 | 2,150 |
| Net cash (used in) provided by financing activities | -16,951 | -38,970 |
| Net increase in cash and cash equivalents | 30,062 | - |
| Cash and cash equivalents at beginning of period | 119,448 | - |
| Net increase in cash and cash equivalents | - | 7,403 |
| Cash and cash equivalents at end of period | 149,510 | - |
FIRST NORTHERN COMMUNITY BANCORP (FNRN)
FIRST NORTHERN COMMUNITY BANCORP (FNRN)