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Income Statement
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Balance Sheet
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Income Overview
Net Income
$1,896K
EPS
$0.58
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
Loss on sale of premises and equipment
-
-
0*
0
Gain on sale of sba loans
-
-
22*
-
Loss on insurance proceeds, net
-
-
-56*
73
Other fees and commissions-Deposit Account
174
157
244*
185
Other fees and commissions-Financial Service Other
177
119
132*
106
Mortgage banking income
72
58
6
75
Bank owned life insurance income
102
100
108
105
Fair value adjustment of equity security
-2
-3
-1
7
Loss on sale of debt securities
-
-
0*
0
Gain on settlement of fair value hedge
0
0
0
0
Total noninterest income
523
431
455
551
Interest income
9,647
9,762
9,490
9,307
Investment securities - taxable
798
845
977
1,071
Investment securities - tax exempt
157
141
157
157
Federal funds sold and other interest earning assets
417
402
592
424
Total interest income
11,019
11,150
11,217
10,959
Deposits
3,417
3,505
3,796
4,344
Securities sold under repurchase agreements
10
16
17
13
Federal home loan bank advances
559
599
596
129
Federal reserve bank advances
-
-
0
0
Long-term debt
258
258
257
120
Total interest expense
4,244
4,378
4,666
4,606
Net interest income
6,775
6,772
6,551
6,353
Provision for credit losses
0
0
103
327
Net interest income after provision for credit losses
6,775
6,772
6,448
6,026
Salaries
2,348
2,077
2,142
2,178
Employee benefits
583
694
514
573
Occupancy
319
345
280
281
Furniture and equipment
420
465
426
370
Professional services
201
143
173
174
Automated teller machine and debit card expenses
147
169
253
71
Federal deposit insurance corporation premiums
81
101
112
150
Postage, delivery, and armored carrier
65
66
66
62
Advertising
49
57
56
63
Other real estate owned expense, net
6
44
118
-13
Other
573
581
518
500
Total noninterest expense
4,792
4,742
4,658
4,409
Income before income taxes
2,506
2,461
2,245
2,168
Income taxes
610
636
549
462
Net income
1,896
1,825
1,696
1,706
Basic EPS
0.58
0.56
0.529
0.53
Diluted EPS
0.58
0.56
0.529
0.53
Basic Average Shares
3,238,103
3,235,247
3,208,454
3,195,097
Diluted Average Shares
3,239,143
3,235,247
3,208,455
3,195,097
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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Time Plot
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Income Statement
Interest income
$9,647K
(8.41%↑ Y/Y)
Investment securities -
taxable
$798K
(-25.42%↓ Y/Y)
Federal funds sold and
other interest...
$417K
(143.86%↑ Y/Y)
Investment securities - tax
exempt
$157K
(2.61%↑ Y/Y)
Total interest income
$11,019K
(7.05%↑ Y/Y)
Net interest income
$6,775K
(13.09%↑ Y/Y)
Other fees and
commissions-Financial Service Other
$177K
(42.74%↑ Y/Y)
Other fees and
commissions-Deposit Account
$174K
(-2.25%↓ Y/Y)
Bank owned life
insurance income
$102K
(-3.77%↓ Y/Y)
Mortgage banking income
$72K
(53.19%↑ Y/Y)
Total interest
expense
$4,244K
(-1.35%↓ Y/Y)
Net interest income
after provision for...
$6,775K
(17.76%↑ Y/Y)
Total noninterest
income
$523K
(14.69%↑ Y/Y)
Fair value
adjustment of equity...
-$2K
(-300.00%↓ Y/Y)
Deposits
$3,417K
(-16.06%↓ Y/Y)
Federal home loan bank
advances
$559K
(408.18%↑ Y/Y)
Long-term debt
$258K
(136.70%↑ Y/Y)
Securities sold under
repurchase agreements
$10K
(-16.67%↓ Y/Y)
Income before income
taxes
$2,506K
(69.44%↑ Y/Y)
Total noninterest
expense
$4,792K
(1.31%↑ Y/Y)
Net income
$1,896K
(58.13%↑ Y/Y)
Income taxes
$610K
(117.86%↑ Y/Y)
Salaries
$2,348K
(7.17%↑ Y/Y)
Employee benefits
$583K
(9.79%↑ Y/Y)
Other
$573K
(6.11%↑ Y/Y)
Furniture and equipment
$420K
(-12.50%↓ Y/Y)
Occupancy
$319K
(13.93%↑ Y/Y)
Professional services
$201K
(-7.80%↓ Y/Y)
Automated teller machine
and debit card...
$147K
(-12.50%↓ Y/Y)
Federal deposit
insurance corporation...
$81K
(-30.77%↓ Y/Y)
Postage, delivery, and
armored carrier
$65K
(1.56%↑ Y/Y)
Advertising
$49K
(-33.78%↓ Y/Y)
Other real estate
owned expense, net
$6K
(-91.04%↓ Y/Y)
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Farmers & Merchants Bancshares, Inc. (FMFG)
Farmers & Merchants Bancshares, Inc. (FMFG)