Financial insights of FRAF

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans, including fees	22,923	21,425
Taxable interest	4,336	4,524
Tax exempt interest	268	269
Dividend income	200	189
Interest-earning deposits in other banks	1,948	2,193
Total interest income	29,675	28,600
Deposits	8,736	8,918
Fhlb overnight borrowings and advances	2,205	2,181
Subordinate notes	541	263
Total interest expense	11,482	11,362
Net interest income	18,193	17,238
Provision for credit losses - loans	1,251	704
Provision for (reversal of) credit losses - unfunded commitments	-53	-69
Total provision for credit losses	1,198	635
Net interest income after credit loss expense	16,995	16,603
Wealth management fees	2,264	2,419
Loan service charges	243	294
Gain on sale of loans	170	132
Deposit service charges and fees	662	613
Other service charges and fees	576	480
Debit card income	606	608
Increase in cash surrender value of life insurance	115	116
Other	175	441
Total noninterest income	4,811	5,103
Salaries and employee benefits	9,133	8,864
Net occupancy	1,231	1,146
Marketing and advertising	439	353
Legal and professional	680	537
Data processing	1,468	1,514
Pennsylvania bank shares tax	137	137
Fdic insurance	-495	-409
Atm/debit card processing	347	344
Telecommunications	125	109
Nonservice pension	17	17
Other	1,076	959
Total noninterest expense	15,148	14,389
Income before income taxes	6,658	7,317
Income tax expense	1,304	1,409
Net income	5,354	5,908

Basic EPS	1.2	1.32
Diluted EPS	1.19	1.32
Basic Average Shares	4,474,000	4,461,000
Diluted Average Shares	4,498,000	4,471,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.