Income Statement First Robinson Financial Corporation

Stocks

FRFC

US3361881077

Banks

Market Closed - OTC Markets Other stock markets 11:05:12 27/05/2026 pm IST			5-day change	1st Jan Change
66.00 ^USD	-2.44%		-6.38%	+6.28%

03/08	First Robinson Financial Corporation Reports Earnings Results for the First Quarter Ended June 30, 2026	CI
16/06	First Robinson Financial Corporation Reports Earnings Results for the Full Year Ended March 31, 2026	CI

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Published financial data: FIRST ROBINSON FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	96L	1.05Cr	1.46Cr	1.65Cr	1.9Cr
Interest Income On Investments	23.4L	34.27L	35.61L	40.03L	40.15L
Interest Income, Total	1.19Cr	1.39Cr	1.82Cr	2.05Cr	2.3Cr
Interest On Deposits	10L	22.22L	46.97L	65.46L	56.25L
Total Interest On Borrowings	94T	11.51L	32.35L	14.89L	12.05L
Interest Expense, Total	10.78L	33.73L	79.32L	80.35L	68.3L
Net Interest Income	1.09Cr	1.05Cr	1.02Cr	1.24Cr	1.62Cr
Service Charges On Deposits	9L	10.03L	10L	10L	10.09L
Gain (Loss) on Sale of Loans	10L	3L	4L	4L	5L
Income (Loss) on Real Estate Property	-	-	-	-	-
Gain (Loss) on Sale of Assets	-35T	-2L	10T	9T	-24T
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	23.78L	17.78L	18.48L	18.65L	20.26L
Non Interest Income, Total	42.21L	28.98L	31.99L	32.49L	34.88L
Revenues Before Provison For Loan Losses	1.51Cr	1.34Cr	1.34Cr	1.57Cr	1.97Cr
Provision For Loan Losses	8L	1L	4L	-2L	11.23L
Total Revenues	1.42Cr	1.33Cr	1.31Cr	1.59Cr	1.86Cr
Salaries And Other Employee Benefits	67.11L	59.47L	65.46L	70.24L	81.48L
Occupancy Expense	11.26L	11.45L	11.36L	11.4L	12.04L
Federal Deposit Insurance	2L	1L	3L	2L	2L
Selling General & Admin Expenses, Total	16.62L	16.92L	17.41L	18.7L	22.72L
(Income) Loss on Real Estate Property	1L	71T	33T	17T	45T
Total Other Non Interest Expense	8L	8L	8L	8L	8L
Non Interest Expense, Total	1.06Cr	98.2L	1.05Cr	1.11Cr	1.27Cr
EBT, Excl. Unusual Items	36.71L	34.62L	25.42L	47.89L	58.49L
Gain (Loss) on Sale of Assets	-	-	-	-	-
EBT, Incl. Unusual Items	36.71L	34.62L	25.42L	47.89L	58.49L
Income Tax Expense	9L	9L	6L	11.29L	13.88L
Earnings From Continuing Operations	27.28L	25.91L	19.17L	36.6L	44.61L
Net Income to Company	27.28L	25.91L	19.17L	36.6L	44.61L
Net Income - (IS)	27.28L	25.91L	19.17L	36.6L	44.61L
Net Income to Common Incl Extra Items	27.28L	25.91L	19.17L	36.6L	44.61L
Net Income to Common Excl. Extra Items	27.28L	25.91L	19.17L	36.6L	44.61L
Per Share Items
Net EPS - Basic	5.3	5.03	3.73	7.29	9.05
Basic EPS - Continuing Operations	5.3	5.03	3.73	7.29	9.05
Basic Weighted Average Shares Outstanding	5L	5L	5L	5L	5L
Net EPS - Diluted	5.05	4.8	3.56	6.93	8.57
Diluted EPS - Continuing Operations	5.05	4.8	3.56	6.93	8.57
Diluted Weighted Average Shares Outstanding	5L	5L	5L	5L	5L
Normalized Basic EPS	4.46	4.2	3.09	5.96	7.42
Normalized Diluted EPS	4.25	4.01	2.95	5.66	7.03
Dividend Per Share	1.23	1.24	1.27	1.36	1.4
Payout Ratio	24.3	25.9	35.84	19.7	16.43
Supplemental Items
Effective Tax Rate - (Ratio)	25.69	25.16	24.59	23.57	23.73
Total Current Taxes	8L	9L	5L	11.84L	15.37L
Total Deferred Taxes	2L	-49T	1L	-55T	-1L
Normalized Net Income	22.94L	21.64L	15.89L	29.93L	36.56L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	18T	18T	18T	36T	5L
Total Stock-Based Compensation	18T	18T	18T	36T	5L

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	4.9Cr	3.07Cr	2.27Cr	4.6Cr	3.14Cr
Investment Securities, Total	14Cr	14Cr	13Cr	11Cr	11Cr
Mortgage Backed Securities	5.84Cr	4.63Cr	3.93Cr	4.38Cr	3.69Cr
Total investments	20Cr	19Cr	17Cr	15Cr	15Cr
Gross Loans	21Cr	24Cr	25Cr	26Cr	32Cr
Allowance For Loan Losses	-24.73L	-27.04L	-29.18L	-28.81L	-36.02L
Other Adjustments to Gross Loans	-46.39L	-38.95L	-17T	-30T	-50T
Net Loans	20Cr	23Cr	25Cr	26Cr	31Cr
Gross Property Plant And Equipment	1.45Cr	1.47Cr	1.51Cr	1.53Cr	1.37Cr
Accumulated Depreciation	-80.26L	-85.42L	-89.83L	-93.66L	-77.36L
Net Property Plant And Equipment	64.85L	61.15L	61.53L	59.22L	59.15L
Loans Held For Sale	8L	2L	8L	3L	14.04L
Accrued Interest Receivable	14.71L	18.3L	22.63L	23.73L	29.71L
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	6L	3L	5L	-	3L
Deferred Tax Assets Long-Term (Collected)	28.55L	52.47L	44.57L	27.6L	18.91L
Other Real Estate Owned And Foreclosed	8L	73T	-	-	23T
Other Long-Term Assets, Total	86.18L	86.51L	87.97L	90.81L	99.73L
Total Assets	47Cr	47Cr	47Cr	48Cr	51Cr
Liabilities
Interest Bearing Deposits	24Cr	22Cr	23Cr	22Cr	22Cr
Institutional Deposits	1.08Cr	2.79Cr	4.93Cr	5.13Cr	6.3Cr
Non-Interest Bearing Deposits	14Cr	12Cr	11Cr	12Cr	13Cr
Total Deposits	39Cr	37Cr	38Cr	40Cr	42Cr
Short-Term Borrowings	4.35Cr	7.22Cr	5.25Cr	4.36Cr	4.86Cr
Current Portion of Long-Term Debt	6L	6L	6L	6L	6L
Long-Term Debt	24.44L	18.67L	12.68L	6L	-
Long-Term Leases	1L	95T	-	44T	1L
Current Income Taxes Payable	-	-	-	1L	-
Accrued Interest Payable	1L	5L	7L	7L	6L
Other Non Current Liabilities	41.67L	40.49L	39.35L	39.75L	47.81L
Total Liabilities	44Cr	45Cr	44Cr	45Cr	47Cr
Common Stock, Total	10T	10T	10T	10T	10T
Additional Paid In Capital	1.38Cr	1.37Cr	1.37Cr	1.37Cr	1.4Cr
Retained Earnings	2.96Cr	3.15Cr	3.27Cr	3.57Cr	3.94Cr
Treasury Stock	-1.04Cr	-1.03Cr	-1.04Cr	-1.09Cr	-1.15Cr
Comprehensive Income and Other	-62.56L	-1.21Cr	-1.05Cr	-60.7L	-35.15L
Total Common Equity	2.68Cr	2.28Cr	2.56Cr	3.23Cr	3.84Cr
Total Equity	2.68Cr	2.28Cr	2.56Cr	3.23Cr	3.84Cr
Total Liabilities And Equity	47Cr	47Cr	47Cr	48Cr	51Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5L	5L	5L	5L	5L
ECS Total Common Shares Outstanding	5L	5L	5L	5L	5L
Book Value / Share	49.68	42.17	47.39	61.44	74.13
Tangible Book Value	2.68Cr	2.28Cr	2.56Cr	3.23Cr	3.84Cr
Tangible Book Value Per Share	49.68	42.17	47.39	61.44	74.13
Total Debt	4.66Cr	7.47Cr	5.44Cr	4.49Cr	4.94Cr
Deposits at Interest - Cash	3.55Cr	1.23Cr	60.17L	3.08Cr	1.67Cr
Net Debt	-23.49L	4.4Cr	3.16Cr	-12.8L	1.78Cr
Full Time Employees	76	74	72	74	76
Number Of Offices	5	5	5	5	5
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	27.28L	25.91L	19.17L	36.6L	44.61L
Depreciation, Depletion & Amortization	6L	5L	5L	4L	4L
Amortization of Goodwill and Intangible Assets - (CF)	4L	3L	2L	3L	2L
Total Depreciation, Depletion & Amortization	9L	8L	7L	7L	6L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-10L	-3L	-4L	-4L	-5L
(Gain) Loss On Sale of Asset - (CF)	35T	2L	-10T	-9T	24T
(Gain) Loss on Sale of Investments - (CF)	7L	3L	2L	2L	-24T
Total Asset Writedown	-4L	-	-	-	-
Provision for Credit Losses	8L	1L	4L	-2L	11.23L
Stock-Based Compensation (CF)	1L	13T	16T	16T	4L
Net (Increase) Decrease in Loans Originated / Sold - Operating	5L	9L	-2L	9L	-7L
Changes in Accrued Interest Receivable	2L	-4L	-4L	-1L	-6L
Changes in Accrued Interest Payable	-6T	3L	2L	-1T	-1L
Change In Income Taxes	-2L	3L	-3L	6L	-4L
Change in Other Net Operating Assets (Collected)	-2L	-4L	-2L	-4L	-2L
Other Operating Activities	43T	-2L	-15T	-2L	-3L
Cash from Operations	43.6L	43.03L	19.34L	47.77L	39.08L
Capital Expenditure	-2L	-93T	-5L	-2L	-3L
Sale of Property, Plant, and Equipment	-	-	29T	9T	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-7Cr	82.4L	1.55Cr	2.4Cr	1.16Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	30.12L	-3.56Cr	-1.8Cr	-59.8L	-5.65Cr
Other Investing Activities, Total	2L	5L	-89T	-1T	7L
Cash from Investing	-6.7Cr	-2.7Cr	-31.62L	1.79Cr	-4.45Cr
Short Term Debt Issued, Total	23Cr	44Cr	31Cr	17Cr	18Cr
Long-Term Debt Issued, Total	30L	-	-	-	-
Total Debt Issued	23Cr	44Cr	31Cr	17Cr	18Cr
Short Term Debt Repaid, Total	-20Cr	-42Cr	-33Cr	-18Cr	-17Cr
Long-Term Debt Repaid, Total	-9L	-6L	-6L	-6L	-6L
Total Debt Repaid	-20Cr	-42Cr	-33Cr	-18Cr	-17Cr
Repurchase of Common Stock	-8L	-48T	-92T	-6L	-6L
Common Dividends Paid	-7L	-7L	-7L	-7L	-7L
Common & Preferred Stock Dividends Paid	-7L	-7L	-7L	-7L	-7L
Net Increase (Decrease) in Deposit Accounts - (CF)	2.07Cr	-2.3Cr	1.43Cr	1.15Cr	2.28Cr
Other Financing Activities, Total	55T	1L	27T	1L	1L
Cash from Financing	5Cr	44.57L	-67.99L	7L	2.6Cr
Net Change in Cash	-1.26Cr	-1.82Cr	-80.27L	2.33Cr	-1.46Cr
Supplemental Items
Cash Interest Paid	10.84L	30.33L	77.56L	80.36L	69.3L
Cash Income Tax Paid (Refund)	9L	6L	8L	7L	17.42L
Net Debt Issued / Repaid	3.07Cr	2.81Cr	-2.03Cr	-95.33L	44.44L

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	0.61	0.55	0.41	0.77	0.9
Return On Equity %	9.13	10.44	7.91	12.63	12.61
Return on Common Equity	9.13	10.44	7.91	12.63	12.61
Shareholders Value Added	-5L	-91.88T	-7L	4L	4L
Margin Analysis
SG&A Margin	66.72	66.13	72.01	63.26	62.59
Net Interest Income / Total Revenues %	76.29	79.2	78.24	78.39	87.26
EBT Excl. Non-Recurring Items Margin %	25.78	26.07	19.43	30.19	31.5
Income From Continuing Operations Margin %	19.16	19.51	14.65	23.07	24.02
Net Income Margin %	19.16	19.51	14.65	23.07	24.02
Net Avail. For Common Margin %	19.16	19.51	14.65	23.07	24.02
Normalized Net Income Margin	16.11	16.29	12.14	18.87	19.68
Asset quality
Nonperforming Loans / Total Loans %	0.31	0.36	0.79	0.47	1.48
Nonperforming Loans / Total Assets %	0.13	0.18	0.43	0.26	0.92
Nonperforming Assets / Total Assets %	0.3	0.2	0.43	0.26	0.92
NPAs / Loans and OREO	0.69	0.39	0.79	0.47	1.48
NPAs / Equity	5.33	4.1	7.88	3.81	12.2
Allowance for Credit Losses / Net Charge-offs %	277.24	-2.82T	1.03T	-2.03T	909.6
Allowance for Credit Losses / Nonperforming Loans %	390.68	313.33	144.53	234.04	76.9
Allowance for Credit Losses / Total Loans %	1.21	1.13	1.15	1.11	1.14
Provision for Loan Losses / Net Charge-offs %	94.73	-140.62	123.94	126.06	283.59
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.67	5.27	5.15	6.12	7.15
Total Average Equity / Total Average Assets %	6.67	5.27	5.15	6.12	7.15
Total Equity + Allowance for Loan Losses / Total Loans %	14.28	10.63	11.23	13.53	13.31
Gross Loans / Total Deposits %	52.2	64.91	66.13	65.76	75.39
Net Loans / Total Deposits %	50.39	63.12	65.36	65.03	74.52
Tier 1 Capital Ratio %	14.8	14.2	13.9	14.3	12.9
Total Capital Ratio %	15.8	15.3	14.9	15.3	14.1
Core Tier 1 Capital Ratio	14.8	14.2	13.9	14.3	12.9
Coverage Ratio	39.14	201.04	-	-	-
Leverage Ratio %	7.8	8.2	8.3	8.4	8.4
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	40.05	4.01	1.79	4.22	5.85
EBT + Interest Expense / Interest Expense	4.41	2.03	1.32	1.6	1.86
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.23	-3.16	-2.67	21.45	30.34
Non Interest Income, 1 Yr. Growth %	-13.02	-31.34	10.39	1.56	7.36
Provision For Loan Losses, 1 Yr. Growth %	-45.2	-84.02	160.74	-150.85	-727.37
Total Revenues, 1 Yr. Growth %	3.68	-6.71	-1.48	21.22	17.08
Earnings From Cont. Operations, 1 Yr. Growth %	4.28	-5.02	-26.01	90.92	21.89
Net Income, 1 Yr. Growth %	4.28	-5.02	-26.01	90.92	21.89
Normalized Net Income, 1 Yr. Growth %	7.78	-5.69	-26.57	88.39	22.13
Diluted EPS Before Extra, 1 Yr. Growth %	7.91	-4.95	-25.83	94.66	23.67
Dividend Per Share, 1 Yr. Growth %	2.5	0.81	2.42	7.09	2.94
Gross Loans, 1 Yr. Growth %	-1.77	17.06	5.82	2.41	21.25
Allowance For Loan Losses, 1 Yr. Growth %	-1.87	9.34	7.91	-1.27	25.03
Net Loans, 1 Yr. Growth %	-1.74	17.93	7.55	2.45	21.21
Non Performing Loans, 1 Yr. Growth %	-73.22	36.33	133.95	-15.97	280.5
Non Performing Assets, 1 Yr. Growth %	-47.15	-34.55	115.71	-15.97	280.5
Total Assets, 1 Yr. Growth %	10.73	0.28	-0.68	1.89	7.12
Total Deposits, 1 Yr Growth %	5.55	-5.86	3.86	2.99	5.77
Tangible Book Value, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Common Equity, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Total Equity, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.71	0.47	-2.91	8.72	25.81
Non Interest Income, 2 Yr. CAGR %	12.76	-22.72	-12.94	5.88	4.42
Provision For Loan Losses, 2 Yr. CAGR %	45.34	-70.41	-35.46	15.15	78.62
Total Revenues, 2 Yr. CAGR %	1.07	-1.65	-4.13	9.28	19.13
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.13	-0.48	-16.17	18.85	52.55
Net Income, 2 Yr. CAGR %	-9.13	-0.48	-16.17	18.85	52.55
Normalized Net Income, 2 Yr. CAGR %	-8.19	0.82	-16.79	17.61	51.69
Diluted EPS Before Extra, 2 Yr. CAGR %	-6.69	1.27	-16.04	20.16	55.15
Dividend Per Share, 2 Yr. CAGR %	1.67	1.65	1.61	4.73	4.99
Gross Loans, 2 Yr. CAGR %	1.93	7.23	11.3	4.1	11.44
Allowance For Loan Losses, 2 Yr. CAGR %	1.83	3.59	8.63	3.22	11.1
Net Loans, 2 Yr. CAGR %	1.44	7.65	12.62	4.97	11.44
Non Performing Loans, 2 Yr. CAGR %	-67.81	-39.58	78.59	19.43	78.81
Non Performing Assets, 2 Yr. CAGR %	-52.82	-41.19	18.82	14.68	78.81
Total Assets, 2 Yr. CAGR %	16.84	5.37	-0.2	0.6	4.47
Total Deposits, 2 Yr CAGR %	16.97	-0.31	-1.12	3.42	4.37
Tangible Book Value, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Common Equity, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Total Equity, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.02	-1.53	-0.59	4.61	15.5
Non Interest Income, 3 Yr. CAGR %	9.66	-4.43	-12.97	-8.35	6.37
Provision For Loan Losses, 3 Yr. CAGR %	57.81	-30.38	-38.88	-40.39	102.62
Total Revenues, 3 Yr. CAGR %	2.51	-1.59	-1.6	3.67	11.82
Earnings From Cont. Operations, 3 Yr. CAGR %	5.28	-7.78	-9.84	10.29	19.85
Net Income, 3 Yr. CAGR %	5.28	-7.78	-9.84	10.29	19.85
Normalized Net Income, 3 Yr. CAGR %	6.38	-7.36	-9.29	9.27	19.1
Diluted EPS Before Extra, 3 Yr. CAGR %	7.37	-6.11	-8.71	11.13	21.31
Dividend Per Share, 3 Yr. CAGR %	1.97	1.38	1.91	3.41	4.13
Gross Loans, 3 Yr. CAGR %	0.59	6.75	6.76	8.25	9.53
Allowance For Loan Losses, 3 Yr. CAGR %	7.6	4.27	5.01	5.22	10.03
Net Loans, 3 Yr. CAGR %	0.52	6.67	7.61	9.12	10.12
Non Performing Loans, 3 Yr. CAGR %	-17.25	-47.92	-5.12	24.82	75.74
Non Performing Assets, 3 Yr. CAGR %	-21.8	-47.38	-9.3	-4.87	71.05
Total Assets, 3 Yr. CAGR %	11.8	11.04	3.32	0.49	2.72
Total Deposits, 3 Yr CAGR %	11.81	8.81	1.06	0.23	4.2
Tangible Book Value, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Common Equity, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Total Equity, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.08	2.79	0.01	2.45	9.23
Non Interest Income, 5 Yr. CAGR %	3.92	-3.05	-0.01	-0.43	-6.39
Provision For Loan Losses, 5 Yr. CAGR %	25.17	0.76	10.36	-14.86	-6.14
Total Revenues, 5 Yr. CAGR %	3.31	1.35	-0.2	2.62	6.22
Earnings From Cont. Operations, 5 Yr. CAGR %	6.18	5.96	-3.89	2.07	11.27
Net Income, 5 Yr. CAGR %	6.18	5.96	-3.89	2.07	11.27
Normalized Net Income, 5 Yr. CAGR %	3.57	1.88	-3.57	1.92	11.42
Diluted EPS Before Extra, 5 Yr. CAGR %	7.55	7.27	-2.69	3.62	12.86
Dividend Per Share, 5 Yr. CAGR %	1.71	1.7	1.83	2.71	3.13
Gross Loans, 5 Yr. CAGR %	1.41	4.94	4.74	5.68	8.6
Allowance For Loan Losses, 5 Yr. CAGR %	3.59	5.6	8.01	3.85	7.41
Net Loans, 5 Yr. CAGR %	1.2	4.86	5.2	5.98	9.13
Non Performing Loans, 5 Yr. CAGR %	-14.58	-8.09	12.57	-27.41	14.66
Non Performing Assets, 5 Yr. CAGR %	-1.37	-9.05	-7.55	-28.14	11.6
Total Assets, 5 Yr. CAGR %	8.88	8.14	6.83	6.74	3.78
Total Deposits, 5 Yr CAGR %	10.13	6.9	6.45	6.62	2.37
Tangible Book Value, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1
Common Equity, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1
Total Equity, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1