Financial insights of FNRN

MyFinsight

For the quarter ending 2025-09-30, FNRN made $37,881,000 in revenue. $6,013,000 in net income. Net profit margin of 15.87%.

Income Overview

Revenue
$37,881,000
Net Income
$6,013,000
Net Profit Margin
15.87%
EPS
$0.38
Unit: Dollar
Revenue Breakdown
Loans
Salaries and employee benefits
Taxable
Others

Unit: Dollar

Income Statement	2025-09-30	2025-06-30	2024-12-31
Loans	14,589,000	14,629,000	-
Other earning assets	-	250,000	-
Due from banks interest bearing accounts	1,223,000	1,167,000	-
Taxable	4,068,000	4,137,000	-
Non-taxable	419,000	391,000	-
Other earning assets	245,000	-	-
Fhlb advances	-	75,000	-
Total interest and dividend income	20,544,000	20,574,000	-
Deposits	3,697,000	3,546,000	-
Fhlb advances	0	-	-
Total interest expense	3,697,000	3,621,000	-
Net interest income	16,847,000	16,953,000	-
Provision for credit losses	-	0	-
(reversal of) provision for credit losses	0	-	-
Net interest income after provision for credit losses	16,847,000	16,953,000	-
Revenue from contract with customer, including assessed tax-Deposit Account	433,000	-	-
Other income	-	229,000	-
Gains on sales of loans held-for-sale	18,000	10,000	-
Investment and brokerage services income	145,000	150,000	-
Mortgage brokerage income	0	-	-
Revenue from contract with customer, including assessed tax-Loan Servicing	70,000	-	-
Revenue from contract with customer, including assessed tax-Debit Card	690,000	-	-
Losses on sales/calls of available-for-sale securities	-59,000	-36,000	-
Service charges on deposit accounts	-	415,000	-
Mortgage brokerage income	-	0	-
Loan servicing income	-	71,000	-
Debit card income	-	698,000	-
Other income	361,000	-	-
Total non-interest income	1,658,000	1,537,000	-
Salaries and employee benefits	6,391,000	6,195,000	-
Occupancy and equipment	1,362,000	1,280,000	-
Data processing	1,236,000	1,099,000	-
Stationery and supplies	79,000	65,000	-
Advertising	126,000	97,000	-
Directors fees	77,000	87,000	-
Amortization of core deposit intangible	181,000	180,000	-
Other expense	2,471,000	1,890,000	-
Total non-interest expenses	11,923,000	10,893,000	-
Income before provision for income taxes	6,582,000	7,597,000	-
Provision for income taxes	569,000	2,131,000	-
Total consolidated revenue	-	-	21,167,750
Net income	6,013,000	5,466,000	-

Basic earnings per common share (in dollars per share)	0.39	0.35	0.315
Diluted earnings per common share (in dollars per share)	0.38	0.35	0.31
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	15,778,782	15,811,754	4,027,260
Us-gaap_weightedaveragenumberofsharesoutstandingbasic	15,499,900	15,606,764	3,974,118.75

MyFinsight

Income Overview

Revenue
$37,881,000
Net Income
$6,013,000
Net Profit Margin
15.87%
EPS
$0.38
Unit: Dollar
Revenue Breakdown
Loans
Salaries and employee benefits
Taxable
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$37,881,000
Net Income
$6,013,000
Net Profit Margin
15.87%
EPS
$0.38
Unit: Dollar
Revenue Breakdown
Loans
Salaries and employee benefits
Taxable
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$37,881,000Net Income$6,013,000Net Profit Margin15.87%EPS$0.38Unit: DollarRevenue BreakdownLoansSalaries and employee benefitsTaxableOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$37,881,000Net Income$6,013,000Net Profit Margin15.87%EPS$0.38Unit: DollarRevenue BreakdownLoansSalaries and employee benefitsTaxableOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$37,881,000
Net Income
$6,013,000
Net Profit Margin
15.87%
EPS
$0.38
Unit: Dollar
Revenue Breakdown
Loans
Salaries and employee benefits
Taxable
Others

Revenue
$37,881,000
Net Income
$6,013,000
Net Profit Margin
15.87%
EPS
$0.38
Unit: Dollar
Revenue Breakdown
Loans
Salaries and employee benefits
Taxable
Others