FIRST NORTHERN COMMUNITY BANCORP
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 6, 2026
FNRN$16.50-1.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Statements of Cash Flows (Unaudited)
| Nine months ended | Nine months ended | |
|---|---|---|
| (in thousands) | September 30, 2026 | September 30, 2025 |
| Cash Flows From Operating Activities | ||
| Net income | $16,836 | $15,150 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation | 754 | 753 |
| Accretion and amortization of investment securities premiums and discounts, net | (1,577) | (1,027) |
| (Increase) decrease in deferred loan origination costs, net | 219 | (120) |
| Amortization of intangible assets | 743 | 550 |
| Provision for credit losses | 900 | 850 |
| Stock-based compensation | 527 | 621 |
| Losses on sales/calls of available-for-sale securities | 240 | 148 |
| Amortization of operating lease right-of-use asset | 693 | 674 |
| Gains on sales of loans held-for-sale | (29) | (42) |
| Proceeds from sales of loans held-for-sale | 3,369 | 2,683 |
| Originations of loans held-for-sale | (4,896) | (2,641) |
| Gain on purchase of tax credits | — | (1,215) |
| Purchase of tax credits | — | (14,218) |
| Changes in assets and liabilities: | ||
| Increase in interest receivable and other assets | (12,395) | (7,111) |
| Increase in interest payable and other liabilities | 6,999 | 4,265 |
| Net cash provided by (used in) operating activities | 12,383 | (680) |
| Cash Flows From Investing Activities | ||
| Proceeds from calls or maturities of available-for-sale securities | 36,300 | 39,800 |
| Proceeds from sales of available-for-sale securities | 8,629 | 29,426 |
| Principal repayments on available-for-sale securities | 69,100 | 64,229 |
| Purchases of available-for-sale securities | (141,551) | (77,475) |
| Proceeds from maturities of certificates of deposit | 4,144 | 4,124 |
| Purchases of certificates of deposit | (4,530) | (940) |
| Net increase in loans | (83,103) | (9,849) |
| Purchases of Federal Home Loan Bank stock and other equity securities, at cost | — | (353) |
| Purchases of premises and equipment | (1,849) | (1,269) |
| Net cash (used in) provided by investing activities | (112,860) | 47,693 |
| Cash Flows From Financing Activities | ||
| Net increase (decrease) in deposits | 81,348 | (13,673) |
| Cash dividends paid in lieu of fractional shares | (10) | (8) |
| Repurchases of common stock | (3,237) | (3,270) |
| Net cash provided by (used in) financing activities | 78,101 | (16,951) |
| Net (decrease) increase in Cash and Cash Equivalents | (22,376) | 30,062 |
| Cash and Cash Equivalents, beginning of period | 145,554 | 119,448 |
| Cash and Cash Equivalents, end of period | $123,178 | $149,510 |
| Supplemental Disclosures of Cash Flow Information: | ||
| Cash paid during the period for: | ||
| Interest | $11,778 | $11,372 |
| Income taxes | 4,950 | 3,970 |
| Supplemental disclosures of non-cash investing and financing activities: | ||
| Stock dividend distributed | 10,659 | 7,510 |
| Unrealized holding (losses) gains on available-for-sale securities, net of taxes | (18,258) | 15,944 |
| Market value of shares tendered in-lieu of cash to pay for exercise of options | 257 | 805 |
| Recognition of right-of-use assets obtained in exchange for operating lease liabilities | 4,450 | 2,543 |
| Transfer of premises and equipment to other real estate owned | — | 1,241 |
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