FINANCIAL INSTITUTIONS INC

FISI · XNAS

CIK 862831fmd_19M98N9PMT95XSG20K3RYZMSQYFinance, Insurance and Real Estate · National Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	115	130	153	169	161	167	196	286	313	333
Total revenues	138	147	159	170	182	202	214	214	117	245
Net interest income	103	113	123	130	139	155	167	166	164	200
Commissions and fees	5	6	8	9	10	12	11	11	11	12
Provision for credit losses	10	13	9	8	27	–	13	14	6	12
Realized investment gains (losses)	3	1	(0)	2	2	0	(0)	(4)	(100)	1
Net interest income after provision	93	99	114	122	112	163	154	152	157	188
Non-interest income	36	35	36	40	43	47	46	48	(47)	45
Compensation and benefits	45	49	55	56	59	61	70	72	66	73
Non-interest expense	85	91	101	103	109	113	129	137	179	142
Interest expense	13	17	30	39	22	12	29	120	150	133
Interest and investment income	0	0	0	0	0	0	1	4	6	2
Income before taxes	44	43	50	59	46	97	71	63	(68)	91
Income tax expense	12	10	10	11	7	20	14	13	(27)	16
Net income from continuing operations	32	34	40	49	38	78	57	50	(42)	75
Net income	32	34	40	49	38	78	57	50	(42)	75
Net income to common shareholders	30	32	38	47	37	76	55	49	(43)	73