For the quarter ending 2025-09-30, FIISO made $165,780K in revenue. $20,112K in net income. Net profit margin of 12.13%.
| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 72,338 | 70,886 | ||
| Interest and dividends on investment securities | 11,740 | 11,571 | ||
| Other interest income | 344 | 410 | ||
| Total interest income | 84,422 | 82,867 | ||
| Deposits | 30,376 | 31,803 | ||
| Short-term borrowings | 668 | 386 | ||
| Long-term borrowings | 1,589 | 1,556 | ||
| Total interest expense | 32,633 | 33,745 | ||
| Net interest income | 51,789 | 49,122 | ||
| Provision (benefit) for credit losses | 2,732 | 2,562 | ||
| Net interest income after provision for credit losses | 49,057 | 46,560 | ||
| Service charges on deposits | 1,137 | 1,089 | ||
| Insurance income | 2 | 3 | ||
| Card interchange income | 2,006 | 1,937 | ||
| Investment advisory | 3,023 | 2,885 | ||
| Company owned life insurance | 2,849 | 2,965 | ||
| Investments in limited partnerships | 223 | 307 | ||
| Loan servicing | 181 | 180 | ||
| Income from derivative instruments, net | 847 | 339 | ||
| Net gain on sale of loans held for sale | 285 | 140 | ||
| Net gain on sale or call of securities | 703 | 3 | ||
| Net (loss) gain on sale and disposal of other assets | -281 | 0 | ||
| Net loss on tax credit investments | -513 | -512 | ||
| Other | 1,594 | 1,281 | ||
| Total noninterest income | 12,056 | 10,617 | ||
| Salaries and employee benefits | 18,522 | 18,070 | ||
| Occupancy and equipment | 3,814 | 3,982 | ||
| Professional services | 1,688 | 1,451 | ||
| Computer and data processing | 5,789 | 5,879 | ||
| Supplies and postage | 559 | 503 | ||
| Fdic assessments | 1,227 | 1,392 | ||
| Advertising and promotions | 491 | 495 | ||
| Amortization of intangibles | 103 | 105 | ||
| Restructuring charges | 0 | 0 | ||
| Deposit-related charged-off items expense | 144 | 233 | ||
| Other | 3,538 | 3,572 | ||
| Total noninterest expense | 35,875 | 35,682 | ||
| Income before income taxes | 25,238 | 21,495 | ||
| Income tax expense | 4,761 | 3,963 | ||
| Net income | 20,477 | 17,532 | ||
| Preferred stock dividends | 365 | 364 | ||
| Net income available to common shareholders | 20,112 | 17,168 | ||
| Basic earnings per common share | 1 | 0.85 | ||
| Diluted earnings per common share | 0.99 | 0.85 | ||
| Total basic weighted average common shares outstanding | 20,122,000 | 20,107,000 | ||
| Total diluted weighted average common shares outstanding | 20,336,000 | 20,294,000 | ||
FINANCIAL INSTITUTIONS INC (FIISO)
FINANCIAL INSTITUTIONS INC (FIISO)