FFMH Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	57.2	56	56.42	49.18	38.96	38.49
Interest Income on Investments	13.3	11.81	11.71	11.57	12.26	9.05
Total Interest Income	70.5	67.81	68.13	60.75	51.22	47.54
Interest Paid on Deposits	12.58	14.1	17.04	14.36	2.83	2.38
Interest Paid on Borrowings	-	0.11	6.03	2.04	0.41	0
Total Interest Expense	12.58	14.21	23.07	16.4	3.24	2.38
Net Interest Income	57.92	53.6	45.06	44.36	47.98	45.16
Net Interest Income Growth	17.73%	18.95%	1.59%	-7.56%	6.26%	3.74%
Trust Income	5.03	4.79	4.71	4.33	4.16	4.05
Mortgage Banking Activities	0.34	0.19	0.17	0.13	0.61	1.44
Gain (Loss) on Sale of Assets	0.23	0.23	0.15	0.01	-	-
Gain (Loss) on Sale of Investments	0.09	0.14	0.03	-0.7	0.02	2.67
Other Non-Interest Income	1.58	1.95	1.89	1.93	1.7	1.53
Total Non-Interest Income	13.63	13.67	13.83	12.87	14.15	16.78
Non-Interest Income Growth	-0.34%	-1.11%	7.44%	-9.03%	-15.71%	23.16%
Revenues Before Loan Losses	71.55	67.28	58.89	57.22	62.13	61.94
Provision for Loan Losses	0.18	0.33	-0.16	-0.49	-0.32	-0.15
Revenue	71.37	66.95	59.05	57.71	62.45	62.09
Revenue Growth	13.59%	13.38%	2.31%	-7.58%	0.58%	9.98%
Salaries and Employee Benefits	27.15	26.07	22.22	21.58	23.12	28
Occupancy Expenses	4.43	4.3	3.9	4.24	4.45	4.69
Federal Deposit Insurance	0.81	0.8	0.9	0.92	0.68	0.64
Selling, General & Administrative	10.56	10.2	9.56	8.92	9.16	8.39
Other Non-Interest Expense	3.13	3.08	3	2.91	2.77	2.76
Total Non-Interest Expense	46.09	44.47	39.6	38.59	40.18	44.48
EBT Excluding Unusual Items	25.28	22.48	19.45	19.12	22.27	17.61
Other Unusual Items	0.29	0.29	0	0.33	-	1.5
Pretax Income	25.57	22.77	19.45	19.45	22.27	19.11
Income Tax Expense	4.89	4.15	3.42	3.4	4.22	3.49
Net Income	20.68	18.62	16.04	16.05	18.05	15.62
Net Income to Common	20.68	18.62	16.04	16.05	18.05	15.62
Net Income Growth	15.45%	16.13%	-0.09%	-11.09%	15.56%	10.04%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	-1.82%	-2.57%	-2.52%	-1.80%	-0.92%	-0.41%
EPS (Basic)	5.20	4.65	3.90	3.80	4.19	3.59
EPS (Diluted)	5.20	4.64	3.89	3.80	4.19	3.59
EPS Growth	17.78%	19.28%	2.48%	-9.41%	16.58%	10.49%
Dividend Per Share	0.580	1.120	1.020	0.950	0.880	0.840
Dividend Growth	-46.30%	9.80%	7.37%	7.95%	4.76%	0%
Effective Tax Rate	19.11%	18.23%	17.57%	17.49%	18.94%	18.25%