Financial insights of FISI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	284,277
Interest and dividends on investment securities	46,691
Other interest income	2,021
Total interest income	332,989
Deposits	124,295
Short-term borrowings	1,901
Long-term borrowings	6,807
Total interest expense	133,003
Net interest income	199,986
Provision for credit losses	11,626
Net interest income after provision for credit losses	188,360
Service charges on deposits	4,360
Insurance income	11
Card interchange income	7,794
Investment advisory income	11,719
Company owned life insurance	11,379
Investments in limited partnerships	1,402
Loan servicing	692
Income from derivative instruments, net	2,546
Net gain on sale of loans held for sale	737
Net gain (loss) on investment securities	931
Net (loss) gain on other assets	-506
Net loss on tax credit investments	-1,985
Other	5,875
Total noninterest income (loss)	44,955
Salaries and employee benefits	72,813
Occupancy and equipment	15,490
Professional services	6,516
Computer and data processing	23,089
Supplies and postage	2,098
Fdic assessments	5,070
Advertising and promotions	1,810
Amortization of intangibles	415
Provision for litigation settlement	0
Deposit-related charged-off items	160
Other	14,500
Total noninterest expense	141,961
Income (loss) before income taxes	91,354
Income tax expense (benefit)	16,487
Net income (loss)	74,867
Preferred stock dividends	1,458
Net income (loss) available to common shareholders	73,409

Basic EPS	3.65
Diluted EPS	3.61
Basic Average Shares	20,099,000
Diluted Average Shares	20,318,000