Financial insights of FMNB

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$12,461K
EPS
$0.33
Unit: Thousand (K) dollars

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

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

MyFinsight

Income Overview

Net Income
$12,461K
EPS
$0.33
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$12,461K
EPS
$0.33
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$12,461KEPS$0.33Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$12,461KEPS$0.33Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$12,461K
EPS
$0.33
Unit: Thousand (K) dollars

Net Income
$12,461K
EPS
$0.33
Unit: Thousand (K) dollars