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Income Statement
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Balance Sheet
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Income Overview
Net Income
$24,732K
EPS
$36.39
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
Interest and fees on loans and leases
55,707
54,682
53,634*
55,185
Interest and dividends on investment securities
14,926
15,744
13,937*
12,343
Interest on deposits with others
1,845
1,284
944*
3,064
Total interest income
72,478
71,710
68,514*
70,592
Deposits
14,951
14,631
13,095*
14,981
Borrowed funds
-
-
0*
0
Subordinated debentures
177
176
185*
194
Total interest expense
15,128
14,807
13,280*
15,175
Net interest income
57,350
56,903
55,234*
55,417
Provision for credit losses
500
500
350*
700
Net interest income after provision for credit losses
56,850
56,403
54,884*
54,717
Card processing
1,888
1,734
1,670*
1,780
Service charges on deposit accounts
793
819
788*
779
Increase in cash surrender value of boli
662
638
631*
639
Gain on boli death benefit
-
-
0*
-
Net gain on sale of securities available-for-sale
45
-
44*
0
Net gain on deferred compensation benefits
0
0
1,683*
1,200
Other
1,648
1,968
239*
2,469
Total non-interest income
5,036
5,159
5,054*
6,867
Salaries and employee benefits
19,220
20,433
18,114*
18,912
Data processing
1,798
1,864
1,592*
1,764
Occupancy
1,318
1,243
1,293*
1,259
Deposit insurance
837
840
794*
719
Professional services
1,596
1,139
1,431*
786
Marketing
412
578
500*
478
Net gain on deferred compensation benefits
0
0
1,683*
1,200
Other
2,959
3,081
1,713*
3,830
Total non-interest expense
28,140
29,178
27,119*
28,948
Income before income taxes
33,746
32,384
32,819*
32,636
Income tax expense
9,014
8,313
9,373*
8,918
Net income
24,732
24,071
23,446
23,718
Basic EPS
36.77
35.91
33.944
34.24
Diluted EPS
36.39
35.34
33.626
33.92
Basic Average Shares
672,666
670,265
690,708
692,727
Diluted Average Shares
679,560
681,179
697,241
699,211
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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Income Statement
Interest and fees on loans
and leases
$55,707K
(1.58%↑ Y/Y)
Interest and dividends on
investment securities
$14,926K
(35.25%↑ Y/Y)
Interest on deposits with
others
$1,845K
(-55.92%↓ Y/Y)
Total interest income
$72,478K
(3.45%↑ Y/Y)
Net interest income
$57,350K
(6.46%↑ Y/Y)
Card processing
$1,888K
(5.53%↑ Y/Y)
Other
$1,648K
(3.32%↑ Y/Y)
Service charges on
deposit accounts
$793K
(6.59%↑ Y/Y)
Increase in cash
surrender value of boli
$662K
(5.58%↑ Y/Y)
Net gain on sale of
securities...
$45K
Total interest
expense
$15,128K
(-6.58%↓ Y/Y)
Net interest income
after provision for...
$56,850K
(8.35%↑ Y/Y)
Total non-interest
income
$5,036K
(-8.75%↓ Y/Y)
Provision for credit
losses
$500K
(-64.29%↓ Y/Y)
Deposits
$14,951K
(-6.55%↓ Y/Y)
Subordinated debentures
$177K
(-8.76%↓ Y/Y)
Income before income
taxes
$33,746K
(7.69%↑ Y/Y)
Total non-interest
expense
$28,140K
(5.59%↑ Y/Y)
Net income
$24,732K
(7.27%↑ Y/Y)
Income tax expense
$9,014K
(8.85%↑ Y/Y)
Salaries and employee
benefits
$19,220K
(4.28%↑ Y/Y)
Other
$2,959K
(19.22%↑ Y/Y)
Data processing
$1,798K
(0.78%↑ Y/Y)
Professional services
$1,596K
(129.97%↑ Y/Y)
Occupancy
$1,318K
(1.93%↑ Y/Y)
Deposit insurance
$837K
(11.60%↑ Y/Y)
Marketing
$412K
(-8.85%↓ Y/Y)
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FARMERS & MERCHANTS BANCORP (FMCB)
FARMERS & MERCHANTS BANCORP (FMCB)