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Complete financial analysis of First Northern Community Bancorp (FNRN) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of First Northern Community Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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First Northern Community Bancorp (FNRN)
About First Northern Community Bancorp
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier's checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 71.88M | 61.63M | 54.13M | 55.19M | 54.33M | 51.56M | 47.07M | 42.09M | 39.57M | 37.03M | 36.89M | 35.90M | 35.70M | 35.48M | 36.66M | 40.29M | 44.02M | 43.93M | 40.89M | 33.41M | 34.38M | 29.68M | 24.73M | 23.59M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 18.77M | 19.88M | 18.60M | 0.00 | 18.13M | 0.00 | 19.15M | 19.89M | 0.00 | 19.15M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 71.88M | 61.63M | 54.13M | 55.19M | 54.33M | 51.56M | 47.07M | 42.09M | 39.57M | 18.26M | 17.01M | 17.30M | 35.70M | 17.35M | 36.66M | 21.14M | 24.12M | 43.93M | 21.74M | 33.41M | 34.38M | 29.68M | 24.73M | 23.59M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 49.30% | 46.11% | 48.19% | 100.00% | 48.90% | 100.00% | 52.47% | 54.80% | 100.00% | 53.17% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 26.24M | 24.79M | 26.68M | 26.36M | 25.34M | 23.67M | 20.73M | 18.98M | 19.66M | 17.99M | 19.01M | 17.83M | 15.48M | 17.05M | 17.76M | 15.47M | 16.24M | 17.46M | 15.92M | 13.55M | 13.76M | 12.64M | 10.35M | 9.32M |
| Selling & Marketing | 474.00K | 496.00K | 382.00K | 418.00K | 434.00K | 373.00K | 328.00K | 308.00K | 311.00K | 344.00K | 374.00K | 373.00K | 576.00K | 543.00K | 712.00K | 717.00K | 885.00K | 894.00K | 736.00K | 416.00K | 409.00K | 422.00K | 301.00K | 388.00K |
| SG&A | 26.72M | 25.28M | 27.06M | 26.78M | 25.77M | 24.04M | 21.06M | 19.29M | 19.97M | 18.34M | 19.38M | 18.20M | 16.06M | 17.59M | 18.47M | 16.19M | 17.13M | 18.35M | 16.65M | 13.96M | 14.17M | 13.06M | 10.66M | 9.71M |
| Other Expenses | 0.00 | -64.06M | -61.76M | -65.31M | -59.71M | -57.04M | -8.25M | -7.64M | 0.00 | 0.00 | 0.00 | 0.00 | -47.96M | 0.00 | -59.03M | 0.00 | 0.00 | -48.30M | 0.00 | -37.11M | -39.19M | -34.15M | -27.28M | -25.60M |
| Operating Expenses | 35.44M | -38.78M | -34.70M | -38.53M | -33.94M | -33.00M | 8.25M | 7.64M | 26.58M | 25.26M | 26.92M | 26.44M | -31.90M | 543.00K | -40.56M | 717.00K | 885.00K | -29.95M | 736.00K | -23.15M | -25.02M | -21.09M | -16.63M | -15.89M |
| Cost & Expenses | 35.44M | -38.78M | -34.70M | -38.53M | -33.94M | -33.00M | 31.07M | 29.08M | 26.58M | 25.26M | 26.92M | 26.44M | -31.90M | 18.67M | -40.56M | 19.87M | 20.78M | -29.95M | 19.89M | -23.15M | -25.02M | -21.09M | -16.63M | -15.89M |
| Interest Income | 74.12M | 55.88M | 47.18M | 48.86M | 48.99M | 45.62M | 40.02M | 35.97M | 33.13M | 30.84M | 28.86M | 28.26M | 28.79M | 29.93M | 33.07M | 38.87M | 48.59M | 48.07M | 40.90M | 31.62M | 30.33M | 28.94M | 29.52M | 28.86M |
| Interest Expense | 7.58M | 1.19M | 912.00K | 1.48M | 1.86M | 1.27M | 1.08M | 1.16M | 1.15M | 1.29M | 1.27M | 1.80M | 2.48M | 3.61M | 4.96M | 6.38M | 11.74M | 9.43M | 5.73M | 3.43M | 3.11M | 4.24M | 8.32M | 8.99M |
| Depreciation & Amortization | 2.91M | 1.88M | 1.82M | 2.21M | 1.59M | 565.00K | 600.00K | 633.00K | 640.00K | 672.00K | 692.00K | 699.00K | 2.54M | 1.96M | 1.56M | 1.05M | 1.11M | 1.04M | 1.04M | 1.34M | 1.35M | 1.38M | 997.00K | 1.05M |
| EBITDA | 32.55M | 23.54M | 21.71M | 18.87M | 21.98M | 17.86M | 17.67M | 14.80M | 11.30M | 9.33M | 8.93M | 7.07M | 6.33M | 3.86M | -2.96M | -3.96M | 11.84M | 15.02M | 14.52M | 11.60M | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 45.29% | 40.12% | 39.26% | 34.20% | 40.45% | 37.10% | 37.53% | 32.24% | 28.56% | 25.20% | 24.20% | 19.69% | 17.74% | 13.05% | -6.37% | -9.84% | 26.20% | 34.19% | 35.51% | 34.72% | 31.15% | 33.59% | 36.80% | 37.10% |
| Operating Income | 36.44M | 22.85M | 19.43M | 16.66M | 20.39M | 18.56M | 17.07M | 12.94M | 10.66M | 8.66M | 8.24M | 6.37M | 3.80M | 2.67M | -3.90M | -5.01M | 10.42M | 13.98M | 13.48M | 10.26M | 9.36M | 8.59M | 8.10M | 7.70M |
| Operating Income Ratio | 50.70% | 37.08% | 35.89% | 30.19% | 37.53% | 36.00% | 36.26% | 30.74% | 26.94% | 23.39% | 22.33% | 17.74% | 10.63% | 7.53% | -10.63% | -12.43% | 23.67% | 31.82% | 32.96% | 30.70% | 27.22% | 28.94% | 32.76% | 32.65% |
| Total Other Income/Expenses | -6.80M | -6.73M | -5.69M | -2.21M | -5.01M | -5.35M | -4.29M | -5.12M | -4.94M | -4.78M | -4.47M | -344.00K | -733.00K | 0.00 | 0.00 | -998.00K | 0.00 | -1.04M | 0.00 | 0.00 | -4.46M | -5.62M | -9.32M | -10.04M |
| Income Before Tax | 29.65M | 21.67M | 19.43M | 16.66M | 20.39M | 17.30M | 17.07M | 12.94M | 10.66M | 8.66M | 8.24M | 6.37M | 3.80M | 2.67M | -3.90M | -5.01M | 10.42M | 13.98M | 13.48M | 10.26M | 9.36M | 8.59M | 8.10M | 7.70M |
| Income Before Tax Ratio | 41.24% | 35.16% | 35.89% | 30.19% | 37.53% | 33.54% | 36.26% | 30.74% | 26.94% | 23.39% | 22.33% | 17.74% | 10.63% | 7.53% | -10.63% | -12.43% | 23.67% | 31.82% | 32.96% | 30.70% | 27.22% | 28.94% | 32.76% | 32.65% |
| Income Tax Expense | 8.09M | 5.78M | 5.24M | 4.50M | 5.67M | 4.74M | 8.32M | 4.89M | 3.74M | 2.79M | 2.85M | 1.72M | 1.13M | 7.00K | -2.84M | -3.64M | 3.14M | 5.17M | 4.79M | 3.55M | 3.25M | 2.87M | 2.77M | 2.66M |
| Net Income | 21.55M | 15.88M | 14.19M | 12.16M | 14.72M | 12.55M | 8.75M | 8.05M | 6.92M | 5.87M | 5.38M | 4.65M | 2.66M | 2.67M | -1.05M | -1.37M | 7.28M | 8.81M | 8.69M | 6.71M | 6.11M | 5.72M | 5.33M | 5.04M |
| Net Income Ratio | 29.99% | 25.77% | 26.21% | 22.04% | 27.10% | 24.34% | 18.59% | 19.13% | 17.49% | 15.85% | 14.59% | 12.94% | 7.46% | 7.51% | -2.88% | -3.41% | 16.54% | 20.05% | 21.25% | 20.08% | 17.78% | 19.27% | 21.55% | 21.38% |
| EPS | 1.41 | 1.00 | 0.92 | 0.74 | 0.95 | 0.85 | 0.60 | 0.55 | 0.47 | 0.39 | 0.33 | 0.24 | 0.09 | 0.12 | -0.07 | -0.10 | 0.48 | 0.60 | 0.58 | 0.43 | 0.40 | 0.37 | 0.34 | 0.30 |
| EPS Diluted | 1.41 | 0.99 | 0.90 | 0.74 | 0.94 | 0.84 | 0.59 | 0.54 | 0.46 | 0.39 | 0.33 | 0.24 | 0.09 | 0.12 | -0.07 | -0.10 | 0.47 | 0.57 | 0.56 | 0.42 | 0.40 | 0.36 | 0.32 | 0.30 |
| Weighted Avg Shares Out | 15.29M | 15.84M | 15.49M | 16.36M | 15.53M | 14.75M | 14.70M | 14.66M | 14.61M | 14.54M | 14.49M | 14.44M | 14.37M | 14.29M | 14.22M | 14.15M | 15.10M | 14.81M | 14.86M | 15.00M | 15.06M | 15.41M | 15.93M | 16.63M |
| Weighted Avg Shares Out (Dil) | 15.33M | 16.01M | 15.69M | 16.51M | 15.72M | 14.96M | 14.89M | 14.75M | 14.69M | 14.61M | 14.55M | 14.48M | 14.38M | 14.29M | 14.22M | 14.15M | 15.55M | 15.44M | 15.55M | 15.39M | 15.37M | 15.88M | 16.40M | 16.88M |
First Northern Community Bancorp Reports Second Quarter 2023 Net Income of $4.6 Million
First Northern Community Bancorp Reports Second Quarter 2021 Net Income of $3.3 Million, Up 22.2% from One Year Ago
First Northern Community Bancorp Announces Stock Repurchase Program
Brady Elected Vice Chairman of Board of First Northern Community Bancorp
First Northern Community Bancorp Reports First Quarter 2021 Net Income of $3.2 Million, Up 18.6% from One Year Ago
Source: https://incomestatements.info
Category: Stock Reports