Financial insights of FMCB

MyFinsight

For the quarter ending 2025-09-30, FMCB made $121,582K in revenue. $23,718K in net income. Net profit margin of 19.51%.

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

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans and leases	55,185	54,839
Interest and dividends on investment securities	12,343	11,036
Interest on deposits with others	3,064	4,186
Total interest income	70,592	70,061
Deposits	14,981	15,999
Borrowed funds	0	0
Subordinated debentures	194	194
Total interest expense	15,175	16,193
Net interest income	55,417	53,868
Provision for credit losses	700	1,400
Net interest income after provision for credit losses	54,717	52,468
Card processing	1,780	1,789
Service charges on deposit accounts	779	744
Increase in cash surrender value of boli	639	627
Net gain on sale of securities available-for-sale	0	-
Net gain on deferred compensation benefits	1,200	764
Other	2,469	1,595
Total non-interest income	6,867	5,519
Salaries and employee benefits	18,912	18,432
Data processing	1,764	1,784
Occupancy	1,259	1,293
Deposit insurance	719	750
Professional services	786	694
Marketing	478	452
Net gain on deferred compensation benefits	1,200	764
Other	3,830	2,482
Total non-interest expense	28,948	26,651
Income before income taxes	32,636	31,336
Income tax expense	8,918	8,281
Net income	23,718	23,055

Basic (in dollars per share)	34.24	33.06
Basic (in shares)	692,727	697,332
Diluted (in dollars per share)	33.92	32.94
Shares used in computing diluted earnings per common share (in shares)	699,211	699,852