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Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
CEO: Birmingham, Martin K.
Market: NASDAQ
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FISI Financial Institutions
27.100+0.350+1.31%
Post Mkt Price
27.10000.00%
YOY
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(Q1)2022/03/31(FY)2021/12/31(Q4)2021/12/31(Q3)2021/09/30
Assets
Cash cash equivalents and federal funds sold
-50.58% 170.4M -15.73% 79.11M -15.73% 79.11M 2.25% 288.43M
-Cash and cash equivalents
-50.58% 170.4M -15.73% 79.11M -15.73% 79.11M 2.25% 288.43M
Receivables
-- 55.76M -- 57.01M -- -- -- 50.08M
-Other receivables
-- 55.76M -- 57.01M -- -- -- 50.08M
Net loan
2.44% 3.7B 2.79% 3.65B 44.07% 6.2M 2.5% 3.61B
-Gross loan
2.16% 3.74B 2.39% 3.69B -89.07% 6.2M 2.35% 3.66B
-Allowance for loans and lease losses
-17.79% 40.97M -24.31% 39.68M -- -- -8% 45.44M
Securities and investments
31.79% 1.33B 53.78% 1.38B -- -- 63.1% 1.32B
-Held to maturity securities
-17.55% 211.17M -24.41% 205.58M -24.41% 205.58M -25.03% 218.14M
-Short term investments
48.56% 1.12B 87.64% 1.18B -- -- 112.79% 1.1B
Derivative assets
-- 25.19M -- 16.5M -- -- -- 16.14M
Bank owned life insurance
22.82% 124.74M 22.8% 123.9M -- -- 74.9% 123.03M
Net PPE
55.23% 61.81M 53.12% 62.18M -- -- 55.44% 63.06M
-Gross PPE
-- 61.81M 12.75% 117.1M -- -- -- 63.06M
-Accumulated depreciation
-- -- 13.17% -54.92M -- -- -- --
Goodwill and other intangible assets
-0.51% 74.15M 0.83% 74.4M 0.84% 74.41M 0.81% 74.66M
-Goodwill
0.6% 67.07M 1.53% 67.07M -- -- 1.53% 67.07M
-Other intangible assets
-9.93% 7.08M -5.15% 7.33M -- -- -5.15% 7.59M
Other assets
-39.61% 89.68M -50.27% 77.62M 13.09% 5.36B -51.36% 77.35M
Total assets
5.66% 5.63B 12.39% 5.52B 12.39% 5.52B 13.39% 5.62B
Liabilities
Total deposits
6.08% 5B 12.83% 4.83B -- -- 13.98% 4.97B
Current debt and capital lease obligation
-- 0 466.04% 30M -89.85% 538K -- 0
-Current debt
-- 0 466.04% 30M -89.85% 538K -- 0
Long term debt and capital lease obligation
0.42% 73.99M 0.39% 73.91M -- -- 88.07% 73.83M
-Long term debt
0.42% 73.99M 0.39% 73.91M -- -- 88.07% 73.83M
Other liabilities
46.05% 106.73M -2.33% 84.64M 12.86% 5.02B -13.89% 80.38M
Total liabilities
6.6% 5.18B 12.86% 5.02B 12.86% 5.02B 13.91% 5.13B
Shareholders'equity
Share capital
-0.17% 17.45M -0.21% 17.45M -- -- -0.21% 17.45M
-common stock
0% 161K 0% 161K -- -- 0% 161K
-Preferred stock
-0.17% 17.29M -0.21% 17.29M -- -- -0.21% 17.29M
Paid-in capital
0.79% 125.88M 0.79% 126.11M -- -- 0.78% 125.79M
Retained earnings
15.62% 394.18M 18.21% 384.01M -- -- 16.93% 369.02M
Less: Treasury stock
266.01% 23.58M 654.17% 9.22M -- -354K 365.65% 6.13M
Gains losses not affecting retained earnings
-534.64% -67.09M -720.63% -13.21M -720.63% -13.21M -5697.13% -12.12M
Total stockholders'equity
-4.17% 446.85M 7.85% 505.14M -737.27% -13.56M 8.25% 494.01M
Total equity
-4.17% 446.85M 7.85% 505.14M 7.85% 505.14M 8.25% 494.01M
Currency Unit
USDUSDUSDUSD
Accounting Standards
US-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions
--Unqualified Opinion----

FY: Financial Year Annual Report, which is equivalent to the 10-K file disclosed by the listed company to the SEC.

Q: Quarterly report, which is equivalent to the 10-Q file disclosed by the listed company to the SEC, where Q1, Q2, Q3, and Q4 are single quarterly reports with a span of 3 months; Q6 and Q9 are cumulative quarterly reports, and Q6 is 6 months , Q9 is 9 months.

The MOM data from the Quarterly report,MOM=(current period - last period)/last period *100%