Business Context and Reporting Period
Company: First Northern Community Bancorp
Filing Type: Form 8-K (Current Report)
Date of Report: January 31, 2005
Reporting Period: Fourth Quarter of 2004
This filing serves as a notification that the Company issued a press release on January 31, 2005, detailing financial results for the fourth quarter of 2004. The actual press release is included as Exhibit 99.1 and incorporated by reference.
Key Financial Metrics
The provided text is a cover document (Form 8-K) and does not contain specific numerical data regarding revenue, profit, cash flow, margins, debt, or liquidity. These figures are contained within the referenced Exhibit 99.1 (Earnings Press Release), which is not included in the input text.
Material Changes
The filing text does not provide specific details on material changes versus the prior comparable period. It only confirms the issuance of results for the fourth quarter of 2004.
Guidance, Outlook, and Risks
Management Commentary: The filing incorporates a press release regarding Q4 2004 results but does not include the text of that commentary.
Regulatory Note: The Company explicitly states it does not intend for the attached exhibit to be incorporated by reference into future filings under the Securities Exchange Act of 1934.
Risks and Contingencies: No specific risks or contingencies are detailed in this cover document.
Investor Verification Checklist
- Locate and review Exhibit 99.1 (Earnings Press Release) to obtain actual financial figures for Q4 2004.
- Verify the specific revenue, net income, and earnings per share reported in the press release.
- Check for any forward-looking statements or guidance included in the full press release text.
- Confirm the Company's liquidity position and loan portfolio quality as detailed in the full earnings report.