Financial insights of FMAO

MyFinsight

For the quarter ending 2025-09-30, FMAO made $85,891K in revenue. $8,854K in net income. Net profit margin of 10.31%.

Income Overview

Revenue
$85,891K
Net Income
$8,854K
Net Profit Margin
10.31%
EPS
$0.64
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and wages
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans, including fees	41,013	39,530	37,072	36,873
U.s. treasury and government agencies	2,224	2,231	2,097	1,467
Federal funds sold	-	-	-	7
Municipalities	366	369	382	387
Dividends	309	311	338	334
Other	572	1,051	1,113	2,833
Total interest income	44,484	43,492	41,002	41,901
Deposits	15,060	14,813	13,988	16,947
Federal funds purchased and securities sold under agreements to repurchase	273	272	271	277
Borrowed funds	1,966	2,411	2,550	2,804
Subordinated notes	284	285	284	284
Total interest expense	17,583	17,781	17,093	20,312
Net interest income - before provision for credit losses	26,901	25,711	23,909	21,589
Provision for credit losses - off balance sheet credit exposures	-	-	-	-267
Provision for credit losses - loans	557	661	811	282
Recovery of credit losses - off balance sheet credit exposures	-272	27	-260	-
Net interest income - after provision for credit losses	26,616	25,023	23,358	21,574
Noninterest income-Bank Servicing	370	-	-	-
Noninterest income-Financial Service Other	1,349	-	-	-
Noninterest income	-	-	1,505	1,455
Noninterest income-Bank Servicing	-	330	-	-
Interchange income	1,273	1,259	1,421	1,315
Increase in cash surrender value of bank owned life insurance	-	-	-	265
Noninterest income-Financial Service Other	-	1,206	-	-
Loan servicing income	674	629	762	710
Net gain on sale of loans	444	257	284	215
Increase in cash surrender value of bank owned life insurance	247	239	244	-
Gain (loss) on sale of other assets owned	0	15	-54	-
Total noninterest income	4,357	3,935	4,162	3,960
Salaries and wages	8,108	7,567	7,878	7,713
Employee benefits	2,273	2,265	2,404	2,112
Net occupancy expense	1,104	1,075	1,199	1,054
Furniture and equipment	1,532	1,414	1,278	1,472
Data processing	1,109	1,057	557	339
Franchise taxes	397	397	397	410
Atm expense	665	761	491	472
Advertising	674	356	503	597
Fdic assessment	428	448	465	516
Servicing rights amortization - net	586	234	127	219
Loan expense	362	328	228	244
Consulting fees	242	494	745	251
Professional fees	516	502	559	453
Intangible asset amortization	445	444	445	445
Other general and administrative	1,298	1,918	1,484	1,128
Total noninterest expense	19,739	19,260	18,760	17,425
Income before income taxes	11,234	9,698	8,760	8,109
Income taxes	2,380	1,988	1,808	1,593
Net income	8,854	7,710	6,952	6,516

Earnings per share, basic	0.64	0.56	0.51	0.48
Earnings per share, diluted	0.64	0.56	0.51	0.48
Weighted average number of shares outstanding, basic	13,566,565	13,547,445	13,541,847	13,528,371

MyFinsight

Income Overview

Revenue
$85,891K
Net Income
$8,854K
Net Profit Margin
10.31%
EPS
$0.64
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and wages
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$85,891K
Net Income
$8,854K
Net Profit Margin
10.31%
EPS
$0.64
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and wages
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$85,891KNet Income$8,854KNet Profit Margin10.31%EPS$0.64Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and wagesOthers

Time Plot

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

Income Statement

Income Overview

Revenue$85,891KNet Income$8,854KNet Profit Margin10.31%EPS$0.64Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and wagesOthers

Time Plot

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

Income Statement

Revenue
$85,891K
Net Income
$8,854K
Net Profit Margin
10.31%
EPS
$0.64
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and wages
Others

Revenue
$85,891K
Net Income
$8,854K
Net Profit Margin
10.31%
EPS
$0.64
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and wages
Others