First Northern Community Bancorp Q3 net income $4.5M, up 31.7% YoY; EPS $0.33 vs $0.25

FIRST NORTHERN COMMUNITY BANCORP

2021-Q3 EPS reported $0.81

Net income $4.5M in Q3 2021, up 31.7% from $3.4M in Q3 2020; diluted EPS $0.33 vs $0.25.
Nine-month net income $11.0M, up 24.8% from $8.8M; diluted EPS $0.81 vs $0.65.
Total assets $1.92B (+14.7% YoY); deposits $1.75B (+16.7% YoY); net loans $825.6M (-14.9% YoY) due to PPP loan forgiveness.
Reversal of provision for loan losses of $1.8M in Q3 vs provision of $0.8M a year ago, reflecting improved credit quality.
Company remains well capitalized with total risk-based capital ratio exceeding 10% threshold.

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