Financial Institutions, Inc. (FISI) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 51.99M | 52.21M | 51.79M | 49.12M | 46.86M | 41.63M | 40.68M | 41.19M | 40.08M | 39.89M | 41.68M | 42.34M |
| NII Growth % | 10.94% | 25.41% | 27.31% | 19.25% | 16.92% | 4.38% | -2.39% | -2.7% | -4.14% | -7.56% | -3.23% | 1.78% |
| Net Interest Margin % | 0.83% | 0.83% | 0.82% | 0.8% | 0.74% | 0.68% | 0.66% | 0.67% | 0.64% | 0.65% | 0.68% | 0.69% |
| Interest Income | 81.56M | 84.65M | 84.42M | 82.87M | 81.05M | 78.12M | 77.91M | 78.79M | 78.41M | 76.55M | 74.7M | 71.11M |
| Interest Expense | 29.57M | 32.44M | 32.63M | 33.74M | 34.19M | 36.49M | 37.23M | 37.59M | 38.33M | 36.66M | 33.02M | 28.78M |
| Loan Loss Provision | 0 | 3.4M | 2.88M | 2.79M | 2.63M | 6.82M | 3.51M | 2.44M | 13.72M | 5.27M | 1.15M | 3.7M |
| Non-Interest Income | 10.67M | 11.91M | 11.83M | 10.31M | 9.96M | -91.87M | 9.04M | 23.21M | 10.56M | 14.7M | 10.1M | 11M |
| Non-Interest Income % | 11.57% | 12.33% | 12.29% | 11.06% | 10.94% | 667.97% | 10.4% | 22.76% | 11.87% | 16.11% | 11.91% | 13.39% |
| Total Revenue | 92.24M | 96.56M | 96.25M | 93.18M | 91.01M | -13.75M | 86.95M | 102M | 88.97M | 91.24M | 84.8M | 82.11M |
| Revenue Growth % | 1.35% | 802.04% | 10.7% | -8.65% | 2.29% | -115.07% | 2.54% | 24.22% | 19.52% | 33.1% | 34.04% | 45.6% |
| Non-Interest Expense | 37.83M | 36.72M | 35.51M | 35.14M | 33.56M | 58.21M | 31.66M | 31.82M | 34.49M | 34.38M | 34.16M | 32.85M |
| Efficiency Ratio | 41.02% | 38.03% | 36.89% | 37.72% | 36.88% | -423.24% | 36.41% | 31.2% | 38.77% | 37.67% | 40.28% | 40% |
| Operating Income | 24.83M | 24M | 25.24M | 21.5M | 20.62M | -115.27M | 14.55M | 30.15M | 2.43M | 14.94M | 16.46M | 16.79M |
| Operating Margin % | 26.92% | 24.85% | 26.22% | 23.07% | 22.66% | 838.07% | 16.73% | 29.56% | 2.73% | 16.37% | 19.41% | 20.45% |
| Operating Income Growth % | 20.4% | 120.82% | 73.48% | -28.7% | 750.12% | -871.75% | -11.63% | 79.54% | -83.68% | 3.31% | -11.39% | -13.92% |
| Pretax Income | 24.83M | 24M | 25.24M | 21.5M | 20.62M | -115.27M | 14.55M | 30.15M | 2.43M | 14.94M | 16.46M | 16.79M |
| Pretax Margin % | 26.92% | 24.85% | 26.22% | 23.07% | 22.66% | 838.07% | 16.73% | 29.56% | 2.73% | 16.37% | 19.41% | 20.45% |
| Income Tax | 3.85M | 4.02M | 4.76M | 3.96M | 3.75M | -32.46M | 1.08M | 4.52M | 356K | 5.16M | 2.44M | 2.42M |
| Effective Tax Rate % | 15.49% | 16.74% | 18.86% | 18.44% | 18.16% | 28.16% | 7.44% | 14.98% | 14.67% | 34.52% | 14.82% | 14.4% |
| Net Income | 20.98M | 19.98M | 20.48M | 17.53M | 16.88M | -82.81M | 13.47M | 25.63M | 2.07M | 9.78M | 14.02M | 14.37M |
| Net Margin % | 22.75% | 20.69% | 21.27% | 18.82% | 18.55% | 602.09% | 15.49% | 25.13% | 2.33% | 10.72% | 16.54% | 17.5% |
| Net Income Growth % | 24.33% | 124.13% | 52.06% | -31.59% | 715.36% | -946.74% | -3.97% | 78.31% | -82.88% | -19.09% | 1.21% | -8.15% |
| Net Income (Continuing) | 20.98M | 19.98M | 20.48M | 17.53M | 16.88M | -82.81M | 13.47M | 25.63M | 2.07M | 9.78M | 14.02M | 14.37M |
| EPS (Diluted) | 1.04 | 0.96 | 0.99 | 0.85 | 0.81 | -5.07 | 0.84 | 1.62 | 0.11 | 0.61 | 0.88 | 0.91 |
| EPS Growth % | 28.4% | 118.93% | 17.86% | -47.53% | 636.36% | -931.15% | -4.55% | 78.02% | -85.53% | -19.74% | 0% | -8.08% |
| EPS (Basic) | 1.05 | 0.98 | 1.00 | 0.85 | 0.82 | -5.07 | 0.85 | 1.64 | 0.11 | 0.61 | 0.89 | 0.91 |
| Diluted Shares Outstanding | 19.92M | 20.32M | 20.34M | 20.29M | 20.29M | 16.41M | 15.64M | 15.56M | 15.54M | 15.51M | 15.46M | 15.41M |