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Balance Sheet
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Income Overview
Net Income
$11,797K
EPS
$0.86
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
Noninterest income-Bank Servicing
544
483
308*
370
Noninterest income-Financial Service Other
1,301
1,283
1,340*
1,349
Interchange income
1,347
1,513
1,275
1,273
Loan servicing income
846
838
814
674
Net gain on sale of loans
683
575
306
444
Increase in cash surrender value of bank owned life insurance
681
655
640
247
Gain (loss) on sale of other assets owned
30
0
-2
0
Loss on sale of available-for-sale securities
0
-347
-
-
Total noninterest income
5,432
5,000
4,681
4,357
Loans, including fees
40,839
39,827
40,999
41,013
U.s. treasury and government agencies
2,712
2,305
2,259
2,224
Municipalities
347
349
362
366
Dividends
239
245
250
309
Federal funds sold
-
-
0
-
Other
-
-
696
572
Federal funds sold and other
1,510
572
-
-
Total interest income
45,647
43,298
44,566
44,484
Deposits
14,432
13,249
14,318
15,060
Federal funds purchased and securities sold under agreements to repurchase
118
145
226
273
Borrowed funds
1,894
2,176
1,966
1,966
Subordinated notes
285
284
285
284
Total interest expense
16,729
15,854
16,795
17,583
Net interest income - before provision for credit losses
28,918
27,444
27,771
26,901
Provision for credit losses - loans
173
302
567
557
Provision for (recovery) of credit losses - off balance sheet credit exposures
148
6
-1
-272
Net interest income - after provision for credit losses
28,597
27,136
27,205
26,616
Salaries and wages
8,381
8,267
8,037
8,108
Employee benefits
2,338
2,379
2,386
2,273
Net occupancy expense
931
1,169
1,052
1,104
Furniture and equipment
1,594
1,566
1,352
1,532
Data processing
778
994
964
1,109
Franchise taxes
395
400
397
397
Atm expense
561
576
676
665
Advertising
363
472
666
674
Fdic assessment
389
396
377
428
Servicing rights amortization - net
328
523
637
586
Loan expense
578
309
292
362
Consulting fees
325
254
182
242
Professional fees
425
500
352
516
Intangible asset amortization
304
305
446
445
Other general and administrative
1,574
1,691
1,237
1,298
Total noninterest expense
19,264
19,801
19,053
19,739
Income before income taxes
14,765
12,335
12,833
11,234
Income taxes
2,968
2,757
3,040
2,380
Net income
11,797
9,578
9,793
8,854
Basic EPS
0.86
0.7
0.721
0.64
Diluted EPS
0.86
0.7
0.608*
0.64
Basic Average Shares
13,600,380
13,588,669
13,583,635
13,566,565
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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Time Plot
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Income Statement
Loans, including fees
$40,839K
(3.31%↑ Y/Y)
U.s. treasury and
government agencies
$2,712K
(21.56%↑ Y/Y)
Federal funds sold and
other
$1,510K
Municipalities
$347K
(-5.96%↓ Y/Y)
Dividends
$239K
(-23.15%↓ Y/Y)
Total interest income
$45,647K
(4.95%↑ Y/Y)
Net interest income
- before...
$28,918K
(12.47%↑ Y/Y)
Interchange income
$1,347K
(6.99%↑ Y/Y)
Noninterest
income-Financial Service Other
$1,301K
(7.88%↑ Y/Y)
Loan servicing
income
$846K
(34.50%↑ Y/Y)
Net gain on sale of
loans
$683K
(165.76%↑ Y/Y)
Increase in cash
surrender value of bank...
$681K
(184.94%↑ Y/Y)
Noninterest income-Bank
Servicing
$544K
(64.85%↑ Y/Y)
Gain (loss) on sale of
other assets owned
$30K
(100.00%↑ Y/Y)
Total interest
expense
$16,729K
(-5.92%↓ Y/Y)
Net interest income
- after provision...
$28,597K
(14.28%↑ Y/Y)
Total noninterest
income
$5,432K
(38.04%↑ Y/Y)
Provision for credit
losses - loans
$173K
(-73.83%↓ Y/Y)
Provision for (recovery)
of credit losses -...
$148K
(448.15%↑ Y/Y)
Deposits
$14,432K
(-2.57%↓ Y/Y)
Borrowed funds
$1,894K
(-21.44%↓ Y/Y)
Subordinated notes
$285K
(0.00%↑ Y/Y)
Federal funds purchased
and securities sold...
$118K
(-56.62%↓ Y/Y)
Income before income
taxes
$14,765K
(52.25%↑ Y/Y)
Total noninterest
expense
$19,264K
(0.02%↑ Y/Y)
Net income
$11,797K
(53.01%↑ Y/Y)
Income taxes
$2,968K
(49.30%↑ Y/Y)
Salaries and wages
$8,381K
(10.76%↑ Y/Y)
Employee benefits
$2,338K
(3.22%↑ Y/Y)
Furniture and equipment
$1,594K
(12.73%↑ Y/Y)
Other general and
administrative
$1,574K
(-17.94%↓ Y/Y)
Net occupancy
expense
$931K
(-13.40%↓ Y/Y)
Data processing
$778K
(-26.40%↓ Y/Y)
Loan expense
$578K
(76.22%↑ Y/Y)
Atm expense
$561K
(-26.28%↓ Y/Y)
Professional fees
$425K
(-15.34%↓ Y/Y)
Franchise taxes
$395K
(-0.50%↓ Y/Y)
Fdic assessment
$389K
(-13.17%↓ Y/Y)
Advertising
$363K
(1.97%↑ Y/Y)
Servicing rights
amortization - net
$328K
(40.17%↑ Y/Y)
Consulting fees
$325K
(-34.21%↓ Y/Y)
Intangible asset
amortization
$304K
(-31.53%↓ Y/Y)
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FARMERS & MERCHANTS BANCORP INC (FMAO)
FARMERS & MERCHANTS BANCORP INC (FMAO)