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FNLC • CIK 0000765207
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $29,518 | $27,045 | $34,394 | $37,807 |
| Weighted Average Number of Shares Outstanding, Basic | 10,998,041 | 11,051,829 | 11,088,831 | 11,124,342 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 83,847 | 87,006 | 115,736 | 153,094 |
| Weighted Average Number of Shares Outstanding, Diluted | 11,081,888 | 11,138,835 | 11,204,567 | 11,277,436 |
| Income Tax Expense (Benefit) | $6,184 | $5,539 | $7,545 | $8,129 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $31,942 | $27,636 | $27,779 | $29,759 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $3,488 | $22,100 | $4,124 | $2,715 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $282,053 | $274,680 | $264,480 | $276,032 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $385,235 | $369,704 | $355,928 | $351,991 |
| Liabilities and Equity | $2,946,698 | $3,157,010 | $3,166,303 | $3,216,097 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $2,129,454 | $2,340,940 | $2,394,109 | $2,423,711 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $24,030 | $24,871 | $25,365 | $24,555 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $2,105,424 | $2,316,069 | $2,368,744 | $2,399,156 |
| Interest Receivable | $11,894 | $13,976 | $14,185 | $20,106 |
| Other Real Estate and Foreclosed Assets | — | $173 | $0 | $0 |
| Goodwill | $30,646 | $30,646 | $30,646 | $30,646 |
| Other Assets | $63,947 | $66,968 | $63,375 | $68,414 |
| Demand Deposit Accounts | $289,104 | $292,255 | $279,912 | $282,691 |
| Deposits, Negotiable Order of Withdrawal (NOW) | $634,543 | $676,107 | $689,083 | $645,223 |
| Deposits, Money Market Deposits | $305,931 | $376,627 | $469,689 | $422,077 |
| Deposits, Savings Deposits | $299,837 | $265,451 | $248,805 | $250,182 |
| Time Deposits | $1,070,247 | $1,114,811 | $977,263 | $1,079,605 |
| Deposits | $2,599,662 | $2,725,251 | $2,664,752 | $2,679,778 |
| Short-term Debt | $69,652 | $51,278 | $92,321 | $178,569 |
| Long-term Debt | $0 | $95,000 | $95,500 | $35,500 |
| Other Liabilities | $34,305 | $32,988 | $30,587 | $29,290 |
| Liabilities | $2,703,619 | $2,904,517 | $2,883,160 | $2,923,137 |
| Common Stock, Value, Issued | $111 | $112 | $112 | $113 |
| Additional Paid in Capital | $70,071 | $71,832 | $73,714 | $74,829 |
| Retained Earnings (Accumulated Deficit) | $211,925 | $222,823 | $240,456 | $250,254 |
| Stockholders' Equity Attributable to Parent | $243,079 | $252,493 | $283,143 | $292,960 |
| Common Stock, Shares Authorized | 18,000,000 | 18,000,000 | 18,000,000 | 18,000,000 |
| Common Stock, Shares, Issued | 11,098,057 | 11,155,528 | 11,222,363 | 11,278,777 |
| AOCI, Debt Securities, Available-for-sale, Adjustment, after Tax | $-39,575 | $-42,671 | $-31,341 | $-32,444 |
| AOCI, Cash Flow Hedge, Cumulative Gain (Loss), after Tax | $300 | $157 | $0 | $0 |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax | $-303 | $-287 | $-240 | $-240 |
| Debt Securities, Held-to-maturity, Fair Value | $338,570 | $314,993 | $315,482 | $311,221 |
| Off-Balance Sheet, Credit Loss, Liability | $1,255 | $714 | $565 | $553 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | $-142 | $-541 | $-149 | $-12 |
| Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability | $320,440 | $289,239 | $308,783 | $308,783 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $29,518 | $27,045 | $34,394 | $37,807 |
| Net Cash Provided by (Used in) Operating Activities | $36,919 | $26,047 | $37,814 | $38,071 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $9,214 | $-4,306 | $143 | $2,399 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $31,942 | $27,636 | $27,779 | $24,954 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $62,228 | $84,441 | $82,978 | $77,595 |
| Income Taxes Paid | $5,621 | $4,527 | $5,670 | $5,670 |
| Depreciation | $2,107 | $2,209 | $2,208 | $2,204 |
| Deferred Income Tax Expense (Benefit) | $-1,360 | $20 | $81 | $411 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $97,524 | $29,665 | $38,132 | $40,298 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $8,149 | $18,441 | $15,036 | $18,396 |
| Payments for Origination of Mortgage Loans Held-for-sale | $3,916 | $5,866 | $8,619 | $6,425 |
| Proceeds from Sale of Other Real Estate | $106 | $0 | $206 | $0 |
| Proceeds from Sale of Loans Held-for-sale | $4,283 | $6,009 | $8,813 | $6,384 |
| Payments to Acquire Debt Securities, Available-for-sale | $88,581 | $26,718 | $14,108 | $33,865 |
| Gain (Loss) on Sales of Loans, Net | $92 | $143 | $194 | $149 |
| Payments to Acquire Held-to-maturity Securities | $0 | $2,750 | $1,250 | $2,500 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-111 | $-596 | $-568 | $-527 |
| Gains (Losses) on Sales of Other Real Estate | $42 | $0 | $33 | $0 |
| Payments to Acquire Finance Receivables | $215,077 | $212,157 | $54,724 | $32,852 |
| Payments to Acquire Property, Plant, and Equipment | $2,635 | $1,475 | $3,220 | $2,448 |
| Share-based Payment Arrangement, Noncash Expense | $820 | $895 | $966 | $1,068 |
| Proceeds from Sale of Property, Plant, and Equipment | $3 | $4 | $22 | $-21 |
| Increase (Decrease) in Other Operating Assets | $680 | $5,414 | $947 | $4,565 |
| Net Cash Provided by (Used in) Investing Activities | $-199,808 | $-217,420 | $-3,002 | $-12,047 |
| Increase (Decrease) in Other Operating Liabilities | $4,624 | $-923 | $-2,542 | $-3,337 |
| Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property | $-33 | $-4 | $10 | $-1 |
| Other Depreciation and Amortization | $303 | — | $1,253 | $1,604 |
| Amortization of Acquisition Costs | $26 | $26 | $26 | $26 |
| Increase (Decrease) in Time Deposits | $202,576 | $44,564 | $-137,548 | $-99,248 |
| Proceeds from Issuance of Other Long-term Debt | — | $95,000 | $500 | $500 |
| Repayments of Other Long-term Debt | $84 | $0 | $0 | $25,000 |
| Proceeds from (Repayments of) Short-term Debt | $-33,747 | $-18,374 | $41,043 | $42,399 |
| Payments for Repurchase of Common Stock | $250 | $212 | $282 | $306 |
| Proceeds from Issuance of Common Stock | $817 | $867 | $916 | $967 |
| Payments of Dividends | $15,418 | $15,803 | $16,347 | $16,626 |
| Net Cash Provided by (Used in) Financing Activities | $172,103 | $187,067 | $-34,669 | $-23,625 |
| Real Estate Owned, Transfer from Real Estate Owned | $0 | $208 | $0 | $0 |