Financial insights of FISI

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$20,621K
EPS
$1.04
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30
Interest and fees on loans	69,495	67,263*	72,338
Interest and dividends on investment securities	11,785	11,471*	11,740
Other interest income	283	989*	344
Total interest income	81,563	79,723*	84,422
Deposits	27,232	33,167*	30,376
Short-term borrowings	640	-103*	668
Long-term borrowings	1,698	2,040*	1,589
Total interest expense	29,570	35,104*	32,633
Net interest income	51,993	44,619*	51,789
Provision for credit losses	2,239	3,430*	2,732
Net interest income after provision for credit losses	49,754	41,189*	49,057
Service charges on deposits	1,044	949*	1,137
Insurance income	-	5*	2
Card interchange income	1,892	1,776*	2,006
Investment advisory	3,061	2,650*	3,023
Company owned life insurance	2,772	2,832*	2,849
Investments in limited partnerships	224	733*	223
Loan servicing	151	149*	181
Income from derivative instruments, net	239	5*	847
Net loss on sale of loans held for sale	125	-118*	285
Net loss on sale of investment securities	328	-1,178*	703
Net gain on other assets	-481	337*	-281
Net loss on tax credit investments	-452	-446*	-513
Other	1,770	1,093*	1,594
Total noninterest income	10,673	8,787*	12,056
Salaries and employee benefits	18,601	16,935*	18,522
Occupancy and equipment	3,865	4,048*	3,814
Professional services	1,350	1,452*	1,688
Computer and data processing	6,211	5,722*	5,789
Supplies and postage	-	421*	559
Fdic assessments	986	1,389*	1,227
Advertising and promotions	524	337*	491
Amortization of intangibles	98	106*	103
Provision for litigation settlement	-	0*	-
Restructuring charges	-	-	0
Deposit-related charged-off items	-	40*	-
Deposit-related charged-off items (recoveries) expense	109	-	144
Other	3,851	3,886*	3,538
Total noninterest expense	35,595	34,336*	35,875
Income before income taxes	24,832	15,640*	25,238
Income tax expense	3,847	2,204*	4,761
Net income	20,985	13,436*	20,477
Preferred stock dividends	364	363*	365
Net income available to common shareholders	20,621	13,073	20,112

Basic EPS	1.05	0.651	1
Diluted EPS	1.04	0.644	0.99
Basic Average Shares	19,642,000	20,076,000	20,122,000
Diluted Average Shares	19,922,000	20,300,000	20,336,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$20,621K
EPS
$1.04
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$20,621K
EPS
$1.04
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$20,621KEPS$1.04Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$20,621KEPS$1.04Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$20,621K
EPS
$1.04
Unit: Thousand (K) dollars

Net Income
$20,621K
EPS
$1.04
Unit: Thousand (K) dollars