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Balance Sheet
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Income Overview
Net Income
$20,819K
EPS
$1.04
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
70,840
69,495
67,263*
72,338
Interest and dividends on investment securities
11,975
11,785
11,471*
11,740
Other interest income
261
283
989*
344
Total interest income
83,076
81,563
79,723*
84,422
Deposits
27,523
27,232
33,167*
30,376
Short-term borrowings
818
640
-103*
668
Long-term borrowings
1,374
1,698
2,040*
1,589
Total interest expense
29,715
29,570
35,104*
32,633
Net interest income
53,361
51,993
44,619*
51,789
Provision for credit losses
3,108
2,239
3,430*
2,732
Net interest income after provision for credit losses
50,253
49,754
41,189*
49,057
Service charges on deposits
1,083
1,044
949*
1,137
Insurance income
-
-
5*
2
Card interchange income
2,063
1,892
1,776*
2,006
Investment advisory
3,287
3,061
2,650*
3,023
Company owned life insurance
2,884
2,772
2,832*
2,849
Investments in limited partnerships
-140
224
733*
223
Loan servicing
201
151
149*
181
Income from derivative instruments, net
518
239
5*
847
Net loss on sale of loans held for sale
181
125
-118*
285
Net loss on sale of investment securities
0
328
-1,178*
703
Net gain on other assets
27
-481
337*
-281
Net loss on tax credit investments
-350
-452
-446*
-513
Other
1,200
1,770
1,093*
1,594
Total noninterest income
10,954
10,673
8,787*
12,056
Salaries and employee benefits
19,165
18,601
16,935*
18,522
Occupancy and equipment
3,941
3,865
4,048*
3,814
Professional services
1,263
1,350
1,452*
1,688
Computer and data processing
5,512
6,211
5,722*
5,789
Supplies and postage
-
-
421*
559
Fdic assessments
987
986
1,389*
1,227
Advertising and promotions
592
524
337*
491
Amortization of intangibles
96
98
106*
103
Provision for litigation settlement
-
-
0*
-
Restructuring charges
-
-
-
0
Deposit-related charged-off items
-
-
40*
-
Deposit-related charged-off items expense (recoveries)
126
109
-
144
Other
3,923
3,851
3,886*
3,538
Total noninterest expense
35,605
35,595
34,336*
35,875
Income before income taxes
25,602
24,832
15,640*
25,238
Income tax expense
4,418
3,847
2,204*
4,761
Net income
21,184
20,985
13,436*
20,477
Preferred stock dividends
365
364
363*
365
Net income available to common shareholders
20,819
20,621
13,073
20,112
Basic EPS
1.06
1.05
0.651
1
Diluted EPS
1.04
1.04
0.644
0.99
Basic Average Shares
19,687,000
19,642,000
20,076,000
20,122,000
Diluted Average Shares
19,941,000
19,922,000
20,300,000
20,336,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$70,840K
Interest and dividends on
investment securities
$11,975K
Other interest income
$261K
Total interest income
$83,076K
Net interest income
$53,361K
Investment advisory
$3,287K
Company owned life
insurance
$2,884K
Card interchange
income
$2,063K
Other
$1,200K
Service charges on
deposits
$1,083K
Income from derivative
instruments, net
$518K
Total interest
expense
$29,715K
Loan servicing
$201K
Net loss on sale of
loans held for sale
$181K
Net gain on other
assets
$27K
Net interest income
after provision for...
$50,253K
Total noninterest
income
$10,954K
Provision for credit
losses
$3,108K
Net loss on tax
credit investments
-$350K
Deposits
$27,523K
Long-term borrowings
$1,374K
Short-term borrowings
$818K
Investments in limited
partnerships
-$140K
Income before income
taxes
$25,602K
Total noninterest
expense
$35,605K
Net income
$21,184K
Income tax expense
$4,418K
Salaries and employee
benefits
$19,165K
Computer and data
processing
$5,512K
Occupancy and equipment
$3,941K
Other
$3,923K
Professional services
$1,263K
Fdic assessments
$987K
Advertising and promotions
$592K
Deposit-related charged-off
items expense...
$126K
Amortization of intangibles
$96K
Net income
available to common...
$20,819K
Preferred stock dividends
$365K
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FINANCIAL INSTITUTIONS INC (FISI)
FINANCIAL INSTITUTIONS INC (FISI)