Financial Institutions Inc
NASDAQ:FISI
Balance Sheet
Balance Sheet Decomposition
Financial Institutions Inc
Financial Institutions Inc
Balance Sheet
Financial Institutions Inc
| Dec-2002 | Dec-2003 | Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Net Loans |
1 300
|
1 311
|
1 213
|
972
|
909
|
949
|
1 102
|
1 243
|
1 326
|
1 462
|
1 681
|
1 807
|
1 884
|
2 057
|
2 309
|
2 700
|
3 053
|
3 191
|
3 543
|
3 640
|
4 005
|
4 411
|
4 431
|
4 610
|
|
| Investments |
659
|
711
|
784
|
894
|
853
|
774
|
662
|
658
|
736
|
716
|
644
|
677
|
740
|
1 027
|
1 083
|
1 073
|
925
|
786
|
929
|
1 374
|
1 156
|
1 045
|
972
|
1 043
|
|
| PP&E Net |
27
|
34
|
36
|
37
|
35
|
34
|
37
|
35
|
33
|
33
|
37
|
36
|
36
|
39
|
42
|
45
|
43
|
84
|
81
|
62
|
73
|
71
|
70
|
0
|
|
| PP&E Gross |
27
|
34
|
36
|
37
|
35
|
34
|
37
|
35
|
33
|
33
|
37
|
36
|
36
|
39
|
42
|
45
|
43
|
84
|
81
|
62
|
73
|
71
|
70
|
0
|
|
| Accumulated Depreciation |
20
|
23
|
21
|
24
|
26
|
28
|
31
|
33
|
34
|
35
|
36
|
39
|
41
|
45
|
49
|
52
|
57
|
63
|
67
|
60
|
65
|
70
|
74
|
0
|
|
| Intangible Assets |
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
2
|
2
|
8
|
7
|
9
|
9
|
10
|
9
|
8
|
7
|
6
|
5
|
3
|
60
|
|
| Goodwill |
41
|
41
|
37
|
37
|
37
|
32
|
37
|
37
|
37
|
37
|
49
|
49
|
61
|
60
|
66
|
66
|
66
|
66
|
66
|
67
|
67
|
67
|
58
|
0
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
5
|
12
|
7
|
6
|
8
|
6
|
8
|
4
|
6
|
6
|
53
|
49
|
61
|
0
|
|
| Other Assets |
85
|
86
|
92
|
87
|
77
|
69
|
92
|
96
|
93
|
85
|
353
|
353
|
374
|
203
|
209
|
214
|
201
|
232
|
281
|
376
|
412
|
583
|
561
|
484
|
|
| Total Assets |
2 105
N/A
|
2 174
+3%
|
2 156
-1%
|
2 022
-6%
|
1 908
-6%
|
1 858
-3%
|
1 917
+3%
|
2 062
+8%
|
2 214
+7%
|
2 336
+6%
|
2 764
+18%
|
2 929
+6%
|
3 090
+5%
|
3 381
+9%
|
3 710
+10%
|
4 105
+11%
|
4 312
+5%
|
4 384
+2%
|
4 912
+12%
|
5 521
+12%
|
5 797
+5%
|
6 161
+6%
|
6 117
-1%
|
6 274
+3%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accrued Liabilities |
23
|
18
|
21
|
18
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
23
|
22
|
24
|
33
|
34
|
33
|
0
|
|
| Short-Term Debt |
61
|
24
|
29
|
20
|
32
|
23
|
24
|
50
|
39
|
139
|
180
|
337
|
335
|
293
|
332
|
0
|
64
|
0
|
0
|
0
|
0
|
78
|
0
|
109
|
|
| Total Deposits |
1 709
|
1 819
|
1 819
|
1 717
|
1 618
|
1 576
|
1 633
|
1 743
|
1 883
|
1 932
|
2 262
|
2 320
|
2 451
|
2 731
|
2 995
|
3 210
|
3 367
|
3 556
|
4 278
|
4 827
|
4 929
|
5 213
|
5 105
|
5 206
|
|
| Other Interest Bearing Liabilities |
113
|
89
|
62
|
53
|
38
|
29
|
31
|
40
|
48
|
12
|
0
|
0
|
0
|
0
|
0
|
446
|
406
|
276
|
5
|
30
|
205
|
157
|
149
|
0
|
|
| Total Current Liabilities |
84
|
41
|
49
|
38
|
32
|
23
|
24
|
50
|
39
|
139
|
180
|
337
|
335
|
293
|
332
|
0
|
64
|
23
|
22
|
24
|
33
|
112
|
33
|
109
|
|
| Long-Term Debt |
5
|
42
|
42
|
42
|
17
|
17
|
17
|
17
|
17
|
0
|
0
|
0
|
0
|
39
|
39
|
39
|
39
|
39
|
74
|
74
|
74
|
75
|
75
|
194
|
|
| Other Liabilities |
16
|
0
|
0
|
0
|
20
|
18
|
23
|
15
|
15
|
17
|
68
|
17
|
25
|
25
|
25
|
29
|
40
|
52
|
65
|
61
|
150
|
150
|
187
|
136
|
|
| Total Liabilities |
1 927
N/A
|
1 991
+3%
|
1 972
-1%
|
1 851
-6%
|
1 725
-7%
|
1 663
-4%
|
1 727
+4%
|
1 864
+8%
|
2 002
+7%
|
2 099
+5%
|
2 510
+20%
|
2 674
+7%
|
2 810
+5%
|
3 087
+10%
|
3 390
+10%
|
3 724
+10%
|
3 915
+5%
|
3 945
+1%
|
4 444
+13%
|
5 016
+13%
|
5 392
+7%
|
5 706
+6%
|
5 548
-3%
|
5 645
+2%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
18
|
18
|
18
|
18
|
18
|
18
|
53
|
54
|
54
|
18
|
18
|
17
|
17
|
17
|
17
|
18
|
18
|
18
|
18
|
18
|
18
|
17
|
17
|
0
|
|
| Retained Earnings |
131
|
137
|
141
|
137
|
149
|
159
|
125
|
131
|
145
|
158
|
172
|
186
|
203
|
219
|
238
|
257
|
280
|
313
|
325
|
384
|
421
|
452
|
389
|
0
|
|
| Additional Paid In Capital |
20
|
21
|
22
|
23
|
24
|
25
|
26
|
27
|
26
|
67
|
68
|
68
|
73
|
73
|
82
|
121
|
123
|
125
|
125
|
126
|
127
|
126
|
233
|
0
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
16
|
5
|
2
|
1
|
4
|
3
|
8
|
1
|
15
|
5
|
129
|
112
|
46
|
0
|
|
| Treasury Stock |
1
|
1
|
0
|
0
|
0
|
7
|
10
|
10
|
8
|
7
|
7
|
6
|
5
|
4
|
3
|
3
|
3
|
2
|
1
|
9
|
22
|
20
|
18
|
0
|
|
| Other Equity |
10
|
8
|
4
|
6
|
8
|
1
|
4
|
4
|
5
|
1
|
13
|
5
|
11
|
11
|
10
|
9
|
14
|
15
|
13
|
8
|
9
|
8
|
7
|
629
|
|
| Total Equity |
178
N/A
|
183
+3%
|
184
+1%
|
172
-7%
|
182
+6%
|
195
+7%
|
190
-3%
|
198
+4%
|
212
+7%
|
237
+12%
|
254
+7%
|
255
+0%
|
280
+10%
|
294
+5%
|
320
+9%
|
381
+19%
|
396
+4%
|
439
+11%
|
468
+7%
|
505
+8%
|
406
-20%
|
455
+12%
|
569
+25%
|
629
+11%
|
|
| Total Liabilities & Equity |
2 105
N/A
|
2 174
+3%
|
2 156
-1%
|
2 022
-6%
|
1 908
-6%
|
1 858
-3%
|
1 917
+3%
|
2 062
+8%
|
2 214
+7%
|
2 336
+6%
|
2 764
+18%
|
2 929
+6%
|
3 090
+5%
|
3 381
+9%
|
3 710
+10%
|
4 105
+11%
|
4 312
+5%
|
4 384
+2%
|
4 912
+12%
|
5 521
+12%
|
5 797
+5%
|
6 161
+6%
|
6 117
-1%
|
6 274
+3%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
11
|
11
|
11
|
11
|
11
|
11
|
11
|
11
|
11
|
14
|
14
|
14
|
14
|
14
|
15
|
16
|
16
|
16
|
16
|
16
|
15
|
15
|
20
|
20
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|