Financial insights of FMAO

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Noninterest income-Bank Servicing	1,418
Noninterest income-Financial Service Other	4,990
Interchange income	5,228
Loan servicing income	2,879
Net gain on sale of loans	1,291
Increase in cash surrender value of bank owned life insurance	1,370
Net gain (loss) on sale of other assets owned	-41
Total consolidated noninterest income	17,135
Loans, including fees	158,614
U.s. treasury and government agencies	8,811
Municipalities	1,479
Dividends	1,208
Federal funds sold	0
Other	3,432
Total interest income	173,544
Deposits	58,179
Federal funds purchased and securities sold under agreements to repurchase	1,042
Borrowed funds	8,893
Subordinated notes	1,138
Total interest expense	69,252
Net interest income - before provision for credit losses	104,292
Provision for credit losses - loans	2,596
Provision for (recovery of) credit losses - off balance sheet credit exposures	-506
Net interest income after provision for credit losses	102,202
Salaries and wages	31,590
Employee benefits	9,328
Net occupancy expense	4,430
Furniture and equipment	5,576
Data processing	3,687
Franchise taxes	1,588
Atm expense	2,593
Advertising	2,199
Fdic assessment	1,718
Servicing rights amortization - net	1,584
Loan expense	1,210
Consulting fees	1,663
Professional fees	1,929
Intangible asset amortization	1,780
Other general and administrative	5,937
Total noninterest expense	76,812
Net income before income taxes	42,525
Income taxes	9,216
Net income	33,309

Basic EPS	2.43
Diluted EPS	2.43
Basic Average Shares	13,559,873