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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Financial Northwest
First Financial Northwest (FFNW) investor relations material
First Financial Northwest has been delisted
First Financial Northwest Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary28 Jan, 2025
Executive summary
Net income of $1.2 million ($0.13 per diluted share) for Q4 2024, up from a net loss of $608,000 in Q3 2024 and flat year-over-year.
Full-year 2024 net income was $1.1 million ($0.12 per diluted share), down from $6.3 million ($0.69 per diluted share) in 2023.
Q4 improvement driven by a $1.3 million recapture of provision for credit losses, following resolution of two large participation loans.
Net loans receivable increased $14.0 million in Q4; credit quality remained strong with nonaccrual loans at 0.07% of total loans.
Awaiting final regulatory approval for sale of the Bank to Global Federal Credit Union.
Financial highlights
Net loans receivable at $1.14 billion as of Dec 31, 2024, up from $1.13 billion in Q3 but down from $1.18 billion a year ago.
Book value per share was $17.50 at year-end, compared to $17.39 in Q3 and $17.61 a year ago.
Deposits decreased $36.0 million sequentially and $62.7 million year-over-year, with declines in all categories except retail CDs.
FHLB advances rose to $110.0 million in Q4 from $100.0 million in Q3, but down from $125.0 million a year ago.
Net interest income for Q4 was $8.4 million, nearly flat sequentially but down from $9.3 million a year ago; full-year net interest income was $34.8 million, down from $40.5 million in 2023.
Outlook and guidance
Management continues to focus on loan portfolio growth and maintaining strong credit quality.
Preparing for the closing of the sale to Global Federal Credit Union, pending regulatory approval.
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Frequently asked questions
First Financial Northwest, Inc. (FFNW) operates as the bank holding company for First Financial Northwest Bank, which provides a range of commercial banking services primarily in Washington state. The bank offers various deposit products, including noninterest-bearing and interest-bearing demand accounts, money market accounts, savings accounts, and certificates of deposit. On the lending side, it provides loans for one-to-four family residential properties, multifamily and commercial real estate, construction and land development, as well as business and consumer loans. Additionally, the company offers wealth management services, online banking, and debit card services. The company is headquartered in Renton, Washington, and its shares are listed on the NASDAQ.