FINANCIAL INSTITUTIONS INC
For the period ended May 28, 2025. Filed Apr 14, 2025.
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May 28, 2025 · Filed Apr 14, 2025
FISI$39.73+0.6%Stored close · as of Nov 6, 2026
Contents
APPENDIX A
Reconciliations of GAAP to Non-GAAP Financial Measures
$ in thousands
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Pre-Provision Net Income (PPNI) | |||||
| Net (loss) income | $(41,646) | $50,264 | $56,573 | $77,697 | $38,332 |
| Add: Provision (benefit) for credit losses | 6,150 | 13,681 | 13,311 | (8,336) | 27,184 |
| Less: Tax adjustment for provision (benefit) for credit losses | 1,576 | 3,505 | 3,410 | (2,136) | 6,965 |
| Pre-provision net (loss) income | (37,072) | 60,440 | $66,474 | 71,497 | 58,551 |
| Less: Adjustment for after-tax loss on sale of investment securities | (74,419) | — | — | — | — |
| Less: Adjustment for after-tax provision for litigation settlement | (17,123) | — | — | — | — |
| Adjusted pre-provision net income | $54,470 | $60,440 | $66,474 | $71,497 | $58,551 |
| 2024 | 2023 | |
|---|---|---|
| Total adjusted loans: | ||
| Total loans | $4,479,204 | $4,462,139 |
| Add: Loans held for sale | 2,280 | 1,370 |
| Less: Total PPP loans | 717 | 919 |
| Total adjusted loans | $4,480,767 | $4,462,590 |
A-1 Financial Institutions, Inc.
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