Financial Statements — FISI
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.09 | 0.19 | 0.09 | 0.17 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net Loans & Leases | 4.58 | 4.54 | 4.49 | 4.50 | 4.36 | 4.42 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 6.29 | 6.29 | 6.14 | 6.34 | 6.16 | 6.13 | 6.30 | 6.14 | 6.14 | 5.97 | 5.62 | 5.57 | 5.63 | 5.62 | 5.30 | 5.33 |
| Total Deposits | 5.34 | 5.36 | 5.16 | 5.37 | 5.31 | 5.13 | 5.40 | 5.32 | 5.03 | 5.14 | 4.91 | 4.82 | 5.00 | 4.97 | 4.66 | 4.72 |
| Long-term Debt | 0.08 | 0.12 | 0.11 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Total Liabilities | 5.66 | 5.67 | 5.54 | 5.75 | 5.66 | 5.66 | 5.85 | 5.73 | 5.72 | 5.54 | 5.23 | 5.14 | 5.18 | 5.13 | 4.81 | 4.86 |
| Retained Earnings | 0.45 | 0.42 | 0.41 | 0.40 | 0.48 | 0.47 | 0.45 | 0.45 | 0.44 | 0.43 | 0.41 | 0.41 | 0.39 | 0.37 | 0.36 | 0.34 |
| Total Stockholder Equity | 0.63 | 0.62 | 0.60 | 0.59 | 0.50 | 0.47 | 0.45 | 0.41 | 0.43 | 0.42 | 0.39 | 0.43 | 0.45 | 0.49 | 0.49 | 0.47 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 81.56 | 84.65 | 84.42 | 82.87 | 81.05 | 78.12 | 77.91 | 78.79 | 78.41 | 76.55 | 74.70 | 71.11 | 63.77 | 57.81 | 50.68 | 45.28 | 42.35 | 43.75 | 41.23 | 40.95 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 37.60 | 38.33 | 36.66 | 33.02 | 28.78 | 21.96 | 14.66 | 7.61 | 3.68 | 2.79 | 2.89 | 2.95 | 3.22 |
| Net Interest Income | 51.99 | 52.21 | 51.79 | 49.12 | 46.86 | 41.63 | 40.68 | 41.19 | 40.08 | 39.89 | 41.68 | 42.34 | 41.82 | 43.15 | 43.07 | 41.60 | 39.56 | 40.87 | 38.27 | 37.73 |
| Provision for Credit Losses | 2.24 | 3.40 | 2.73 | 2.56 | 2.93 | 6.46 | 3.10 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Non-interest Income | 10.67 | 11.91 | 12.06 | 10.62 | 10.37 | (91.04) | 9.44 | 24.01 | 10.90 | 15.37 | 10.49 | 11.47 | 10.92 | 10.94 | 12.65 | 11.36 | 11.32 | 11.67 | 12.08 | 10.19 |
| Non-interest Expense | 35.60 | 36.72 | 35.88 | 35.68 | 33.69 | 59.40 | 32.47 | 33.02 | 54.01 | 35.05 | 34.74 | 33.78 | 33.66 | 33.51 | 32.83 | 32.89 | 30.14 | 29.90 | 29.17 | 26.94 |
| Pretax Income | 24.83 | 24.00 | 25.24 | 21.50 | 20.62 | (115.27) | 14.55 | 30.15 | 2.43 | 14.94 | 16.46 | 16.79 | 14.86 | 14.46 | 18.58 | 19.51 | 18.43 | 23.84 | 21.73 | 25.60 |
| Tax Provision | 3.85 | 4.02 | 4.76 | 3.96 | 3.75 | (32.46) | 1.08 | 4.52 | 0.36 | 5.16 | 2.44 | 2.42 | 2.78 | 2.37 | 4.72 | 3.86 | 3.44 | 4.22 | 4.55 | 5.40 |
| Net Income | 20.99 | 19.98 | 20.48 | 17.53 | 16.88 | (82.81) | 13.47 | 25.63 | 2.07 | 9.78 | 14.02 | 14.37 | 12.09 | 12.09 | 13.85 | 15.65 | 14.98 | 19.61 | 17.18 | 20.20 |
| Basic EPS | 1.05 | 0.98 | 1.00 | 0.85 | 0.82 | (5.35) | 0.85 | 1.64 | 0.11 | 0.61 | 0.89 | 0.91 | 0.76 | 0.76 | 0.88 | 1.00 | 0.94 | 1.22 | 1.06 | 1.25 |
| Diluted EPS | 1.04 | 0.96 | 0.99 | 0.85 | 0.81 | (5.32) | 0.84 | 1.62 | 0.11 | 0.60 | 0.88 | 0.91 | 0.76 | 0.76 | 0.88 | 0.99 | 0.93 | 1.21 | 1.05 | 1.25 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 23.69 | 21.40 | (6.88) | (5.72) | 10.01 | 27.02 | 2.15 | 35.67 | 12.29 | (47.67) | 43.75 | 8.25 | 6.56 | 16.15 | 35.64 | 37.59 | 44.19 | 33.49 | 8.52 | 10.64 |
| Capital Expenditures | 0.65 | 2.12 | 1.01 | 1.60 | 0.82 | 0.40 | 2.45 | 0.95 | 1.17 | 1.25 | 0.51 | 0.38 | 0.85 | 2.73 | 1.64 | 2.78 | 1.22 | 1.05 | 2.07 | 5.99 |
| Free Cash Flow* | 23.04 | 19.28 | (7.90) | (7.32) | 9.19 | 26.61 | (0.30) | 34.72 | 11.12 | (48.92) | 43.24 | 7.87 | 5.71 | 13.42 | 34.00 | 34.81 | 42.98 | 32.45 | 6.45 | 4.65 |
| Investing Cash Flow | (55.79) | (62.27) | (49.37) | 118.89 | (147.29) | (134.95) | 79.82 | 73.06 | (26.16) | (26.95) | (4.02) | (114.55) | (164.56) | (159.71) | (66.59) | (19.76) | (79.09) | (117.03) | (237.58) | (87.58) |
| Financing Cash Flow | 8.80 | (36.33) | 149.16 | (187.48) | 217.31 | (54.31) | 21.25 | (199.42) | 126.47 | 6.95 | (27.86) | 146.58 | 167.51 | 155.45 | 39.83 | (78.53) | 126.19 | (125.78) | 311.10 | (61.47) |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Dividends Per Share | 0.32 | 0.31 | 0.31 | 0.31 | 0.31 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.29 | 0.29 | 0.29 | 0.29 | 0.27 | 0.27 | 0.27 |
