For the year ending 2025-12-31, FNRN had $26,106K increase in cash & cash equivalents over the period. $5,198K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 21,128 |
| Reversal of provision for credit losses | 0 |
| Amortization of core deposit intangible | 731 |
| Stock-based compensation | 849 |
| Depreciation and amortization of bank premises and equipment | 996 |
| Accretion and amortization of investment securities premiums and discounts, net | 1,392 |
| Net loss on sales/calls of available-for-sale securities | -199 |
| Gain on sale of loans held-for-sale | 45 |
| (benefit) provision for deferred income taxes | -355 |
| Proceeds from sales of loans held-for-sale | 3,163 |
| Originations of loans held-for-sale | 3,118 |
| Increase in deferred loan origination costs, net | 591 |
| Amortization of operating lease right-of-use asset | 925 |
| Gain on tax credit purchase | 1,215 |
| Purchase of tax credit | 14,218 |
| Increase in interest receivable and other assets | 6,044 |
| Increase (decrease) in interest payable and other liabilities | 5,885 |
| Net cash provided by operating activities | 6,898 |
| Proceeds from maturities of available-for-sale securities | 60,170 |
| Proceeds from sales of available-for-sale securities | 31,875 |
| Principal repayments on available-for-sale securities | 86,436 |
| Purchase of available-for-sale securities | 134,474 |
| Proceeds from maturities of certificates of deposit | 7,064 |
| Purchases of certificates of deposit | 1,170 |
| Purchases of stock in federal home loan bank and other equity securities, at cost | 353 |
| Net (increase) decrease in loans | 3,030 |
| Purchases of bank premises and equipment, net | 1,700 |
| Net cash provided by (used in) investing activities | 44,818 |
| Net (decrease) increase in deposits | -20,946 |
| Fhlb advances | 20,000 |
| Fhlb repayments | 20,000 |
| Cash dividends paid in lieu of fractional shares | 8 |
| Common stock issued | 93 |
| Repurchases of common stock | 4,749 |
| Net cash (used in) provided by financing activities | -25,610 |
| Net increase (decrease) in cash and cash equivalents | 26,106 |
| Cash and cash equivalents at beginning of year | 119,448 |
| Cash and cash equivalents at end of year | 145,554 |
FIRST NORTHERN COMMUNITY BANCORP (FNRN)
FIRST NORTHERN COMMUNITY BANCORP (FNRN)