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Income Statement
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Balance Sheet
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Income Overview
Net Income
$12,461K
EPS
$0.33
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Interest income - loans including fees
48,603
47,050
46,707
44,237*
Taxable securities
7,466
7,384
7,096
6,555*
Tax exempt securities
2,372
2,377
2,451
2,639*
Dividends
459
462
541
412*
Federal funds sold and other interest income
466
429
510
932*
Total interest and dividend income
59,366
57,702
57,305
54,775*
Deposits
20,372
20,240
19,717
16,528*
Short-term borrowings
1,681
1,536
2,417
3,677*
Long-term borrowings
1,006
1,005
976
1,018*
Total interest expense
23,059
22,781
23,110
21,223*
Net interest income
36,307
34,921
34,195
33,552*
Provision for credit gaines
-
-
-
-12,177*
Provision (credit) for credit losses
1,501
3,586
22
-
(credit) provision for unfunded commitments
-
-
-
-69*
(credit) for unfunded commitments
-82
-38
-226
-
Net interest income after provision for credit losses
34,888
31,373
34,399
45,798*
Noninterest revenue-Deposit Account
1,874
1,749
-
-
Noninterest revenue-Insurance Agency Commissions
-
1,828
-
-
Bank owned life insurance income
852
832
-
-
Noninterest revenue-Fiduciary And Trust
2,745
2,596
-
-
Noninterest revenue-Insurance Agency Commissions
1,395
-
-
-
Noninterest revenue-Credit And Debit Card
-
2,017
-
-
Security (losses), including fair value changes for equity securities
-927
36
-
-1,429*
Noninterest revenue-Retirement Plan Consulting
1,060
783
-
-
Noninterest revenue-Investment Commissions
658
721
-
-
Net losss on sale of loans
559
329
-
-16*
Other mortgage banking income (loss), net
192
27
-
-
Other mortgage banking income, net
-
-
-
939*
Noninterest income
-
-
-
7,646*
Noninterest revenue-Credit And Debit Card
2,068
-
-
-
Bank owned life insurance income, including death benefits
-
-
-
665*
Other operating income
954
1,204
-
-3,109*
Total noninterest income
11,430
12,122
10,481
4,696*
Salaries and employee benefits
15,992
14,722
16,166
14,372*
Occupancy and equipment
4,370
4,119
4,138
3,684*
Fdic insurance and state and local taxes
1,212
1,262
1,262
589*
Professional fees
990
1,026
1,196
1,065*
System conversion/acquisition related costs
3,123
-
-
-
Advertising
466
454
456
198*
Intangible amortization
718
735
735
974*
Merger related costs
-
-
-
23*
Core processing charges
1,412
1,401
1,397
1,064*
Other operating expenses
3,396
3,456
3,176
3,497*
Total noninterest expenses
31,679
27,175
28,526
25,466*
Income before income taxes
14,639
16,320
16,354
25,028*
Income taxes
2,178
2,410
2,776
4,684*
Net income
12,461
13,910
13,578
20,344
Basic EPS
0.33
0.37
0.36
0.545
Diluted EPS
0.33
0.37
0.36
0.543
Basic Average Shares
37,467,634
37,442,047
37,380,606
37,302,824
Diluted Average Shares
37,677,124
37,622,012
37,626,483
37,456,815
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 - loans
including fees
$48,603K
(3.43%↑ Y/Y)
Taxable securities
$7,466K
(10.43%↑ Y/Y)
Tax exempt
securities
$2,372K
(-3.42%↓ Y/Y)
Federal funds sold and
other interest income
$466K
(-66.01%↓ Y/Y)
Dividends
$459K
(32.66%↑ Y/Y)
Total interest and
dividend income
$59,366K
(2.49%↑ Y/Y)
Net interest income
$36,307K
(13.90%↑ Y/Y)
Noninterest
revenue-Fiduciary And Trust
$2,745K
Noninterest revenue-Credit
And Debit Card
$2,068K
Noninterest
revenue-Deposit Account
$1,874K
Noninterest
revenue-Insurance Agency...
$1,395K
Noninterest
revenue-Retirement Plan Consulting
$1,060K
Other operating
income
$954K
(-63.57%↓ Y/Y)
Bank owned life
insurance income
$852K
(23.84%↑ Y/Y)
Noninterest
revenue-Investment Commissions
$658K
(credit) for unfunded
commitments
-$82K
Total interest
expense
$23,059K
(-11.47%↓ Y/Y)
Net losss on sale of
loans
$559K
(10.47%↑ Y/Y)
Other mortgage
banking income (loss),...
$192K
Net interest income
after provision for...
$34,888K
(40.29%↑ Y/Y)
Total noninterest
income
$11,430K
(-7.37%↓ Y/Y)
Provision (credit) for
credit losses
$1,501K
Security (losses),
including fair value...
-$927K
(-130.02%↓ Y/Y)
Deposits
$20,372K
(-5.45%↓ Y/Y)
Short-term borrowings
$1,681K
(-51.64%↓ Y/Y)
Long-term borrowings
$1,006K
(-1.76%↓ Y/Y)
Income before income
taxes
$14,639K
(44.47%↑ Y/Y)
Total noninterest
expenses
$31,679K
(17.00%↑ Y/Y)
Net income
$12,461K
(46.00%↑ Y/Y)
Income taxes
$2,178K
(36.30%↑ Y/Y)
Salaries and employee
benefits
$15,992K
(7.52%↑ Y/Y)
Occupancy and equipment
$4,370K
(10.13%↑ Y/Y)
Other operating
expenses
$3,396K
(-0.67%↓ Y/Y)
System
conversion/acquisition related costs
$3,123K
Core processing
charges
$1,412K
(19.06%↑ Y/Y)
Fdic insurance and
state and local taxes
$1,212K
(-18.11%↓ Y/Y)
Professional fees
$990K
(-8.67%↓ Y/Y)
Intangible amortization
$718K
(14.15%↑ Y/Y)
Advertising
$466K
(7.13%↑ Y/Y)
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FARMERS NATIONAL BANC CORP OH (FMNB)
FARMERS NATIONAL BANC CORP OH (FMNB)