| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans | 14,589 | 14,629 | ||
| Other earning assets | - | 250 | ||
| Due from banks interest bearing accounts | 1,223 | 1,167 | ||
| Taxable | 4,068 | 4,137 | ||
| Non-taxable | 419 | 391 | ||
| Other earning assets | 245 | - | ||
| Fhlb advances | - | 75 | ||
| Total interest and dividend income | 20,544 | 20,574 | ||
| Deposits | 3,697 | 3,546 | ||
| Fhlb advances | 0 | - | ||
| Total interest expense | 3,697 | 3,621 | ||
| Net interest income | 16,847 | 16,953 | ||
| Provision for credit losses | - | 0 | ||
| (reversal of) provision for credit losses | 0 | - | ||
| Net interest income after provision for credit losses | 16,847 | 16,953 | ||
| Revenue from contract with customer, including assessed tax-Deposit Account | 433 | - | ||
| Other income | - | 229 | ||
| Gains on sales of loans held-for-sale | 18 | 10 | ||
| Investment and brokerage services income | 145 | 150 | ||
| Mortgage brokerage income | 0 | - | ||
| Revenue from contract with customer, including assessed tax-Loan Servicing | 70 | - | ||
| Revenue from contract with customer, including assessed tax-Debit Card | 690 | - | ||
| Losses on sales/calls of available-for-sale securities | -59 | -36 | ||
| Service charges on deposit accounts | - | 415 | ||
| Mortgage brokerage income | - | 0 | ||
| Loan servicing income | - | 71 | ||
| Debit card income | - | 698 | ||
| Other income | 361 | - | ||
| Total non-interest income | 1,658 | 1,537 | ||
| Salaries and employee benefits | 6,391 | 6,195 | ||
| Occupancy and equipment | 1,362 | 1,280 | ||
| Data processing | 1,236 | 1,099 | ||
| Stationery and supplies | 79 | 65 | ||
| Advertising | 126 | 97 | ||
| Directors fees | 77 | 87 | ||
| Amortization of core deposit intangible | 181 | 180 | ||
| Other expense | 2,471 | 1,890 | ||
| Total non-interest expenses | 11,923 | 10,893 | ||
| Income before provision for income taxes | 6,582 | 7,597 | ||
| Provision for income taxes | 569 | 2,131 | ||
| Net income | 6,013 | 5,466 | ||
| Basic earnings per common share (in dollars per share) | 0.39 | 0.35 | ||
| Diluted earnings per common share (in dollars per share) | 0.38 | 0.35 | ||
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 15,778,782 | 15,811,754 | ||
| Us-gaap_weightedaveragenumberofsharesoutstandingbasic | 15,499,900 | 15,606,764 | ||
FIRST NORTHERN COMMUNITY BANCORP (FNRN)
FIRST NORTHERN COMMUNITY BANCORP (FNRN)