Financial insights of FMNB

MyFinsight

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	NaN	NaN	NaN	-12,177*
Provision (credit) for credit losses	1,501	3,586	22	NaN
(credit) provision for unfunded commitments	NaN	NaN	NaN	-69*
(credit) for unfunded commitments	-82	-38	-226	NaN
Net interest income after provision for credit losses	34,888	31,373	34,399	45,798*
Noninterest revenue-Deposit Account	1,874	1,749	NaN	NaN
Noninterest revenue-Insurance Agency Commissions	NaN	1,828	NaN	NaN
Bank owned life insurance income	852	832	NaN	NaN
Noninterest revenue-Fiduciary And Trust	2,745	2,596	NaN	NaN
Noninterest revenue-Insurance Agency Commissions	1,395	NaN	NaN	NaN
Noninterest revenue-Credit And Debit Card	NaN	2,017	NaN	NaN
Security (losses), including fair value changes for equity securities	-927	36	NaN	-1,429*
Noninterest revenue-Retirement Plan Consulting	1,060	783	NaN	NaN
Noninterest revenue-Investment Commissions	658	721	NaN	NaN
Net losss on sale of loans	559	329	NaN	-16*
Other mortgage banking income (loss), net	192	27	NaN	NaN
Other mortgage banking income, net	NaN	NaN	NaN	939*
Noninterest income	NaN	NaN	NaN	7,646*
Noninterest revenue-Credit And Debit Card	2,068	NaN	NaN	NaN
Bank owned life insurance income, including death benefits	NaN	NaN	NaN	665*
Other operating income	954	1,204	NaN	-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	NaN	NaN	NaN
Advertising	466	454	456	198*
Intangible amortization	718	735	735	974*
Merger related costs	NaN	NaN	NaN	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

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Income Statement

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

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