Financial insights of FMAO

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$9,578K
EPS
$0.7
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Noninterest income-Bank Servicing	483	308*	370	-
Noninterest income-Financial Service Other	1,283	1,340*	1,349	-
Noninterest income-Bank Servicing	-	-	-	330
Interchange income	1,513	1,275	1,273	1,259
Noninterest income-Financial Service Other	-	-	-	1,206
Loan servicing income	838	814	674	629
Net gain on sale of loans	575	306	444	257
Increase in cash surrender value of bank owned life insurance	655	640	247	239
Loss on sale of other assets owned	0	-2	0	15
Federal funds sold	-	0	-	-
Loss on sale of available-for-sale securities	-347	-	-	-
Other	-	696	572	1,051
Total noninterest income	5,000	4,681	4,357	3,935
Loans, including fees	39,827	40,999	41,013	39,530
U.s. treasury and government agencies	2,305	2,259	2,224	2,231
Municipalities	349	362	366	369
Dividends	245	250	309	311
Federal funds sold and other	572	-	-	-
Total interest income	43,298	44,566	44,484	43,492
Deposits	13,249	14,318	15,060	14,813
Federal funds purchased and securities sold under agreements to repurchase	145	226	273	272
Borrowed funds	2,176	1,966	1,966	2,411
Subordinated notes	284	285	284	285
Total interest expense	15,854	16,795	17,583	17,781
Net interest income - before provision for credit losses	27,444	27,771	26,901	25,711
Provision for credit losses - loans	302	567	557	661
Provision for (recovery) of credit losses - off balance sheet credit exposures	6	-1	-272	27
Net interest income - after provision for credit losses	27,136	27,205	26,616	25,023
Salaries and wages	8,267	8,037	8,108	7,567
Employee benefits	2,379	2,386	2,273	2,265
Net occupancy expense	1,169	1,052	1,104	1,075
Furniture and equipment	1,566	1,352	1,532	1,414
Data processing	994	964	1,109	1,057
Franchise taxes	400	397	397	397
Atm expense	576	676	665	761
Advertising	472	666	674	356
Fdic assessment	396	377	428	448
Servicing rights amortization - net	523	637	586	234
Loan expense	309	292	362	328
Consulting fees	254	182	242	494
Professional fees	500	352	516	502
Intangible asset amortization	305	446	445	444
Other general and administrative	1,691	1,237	1,298	1,918
Total noninterest expense	19,801	19,053	19,739	19,260
Income before income taxes	12,335	12,833	11,234	9,698
Income taxes	2,757	3,040	2,380	1,988
Net income	9,578	9,793	8,854	7,710

Basic EPS	0.7	0.721	0.64	0.56
Diluted EPS	0.7	0.608*	0.64	0.56
Basic Average Shares	13,588,669	13,583,635	13,566,565	13,547,445

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$9,578K
EPS
$0.7
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income
$9,578K
EPS
$0.7
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$9,578KEPS$0.7Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$9,578KEPS$0.7Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$9,578K
EPS
$0.7
Unit: Thousand (K) dollars

Net Income
$9,578K
EPS
$0.7
Unit: Thousand (K) dollars