0001193125-22-269061.txt : 20221026 0001193125-22-269061.hdr.sgml : 20221026 20221026080622 ACCESSION NUMBER: 0001193125-22-269061 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20221026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221026 DATE AS OF CHANGE: 20221026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FARMERS NATIONAL BANC CORP /OH/ CENTRAL INDEX KEY: 0000709337 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341371693 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35296 FILM NUMBER: 221331145 BUSINESS ADDRESS: STREET 1: 20 S BROAD STREET STREET 2: P O BOX 555 CITY: CANFIELD STATE: OH ZIP: 44406 BUSINESS PHONE: 3305333341 MAIL ADDRESS: STREET 1: 20 S BROAD STREET STREET 2: PO BOX 555 CITY: CANFIELD STATE: OH ZIP: 44406 8-K 1 d389074d8k.htm 8-K 8-K
FARMERS NATIONAL BANC CORP /OH/ false 0000709337 0000709337 2022-10-26 2022-10-26

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): October 26, 2022

 

 

Farmers National Banc Corp.

(Exact name of registrant as specified in its charter)

 

 

 

Ohio   001-35296   34-1371693

(State or other jurisdiction

of incorporation)

  

(Commission

File Number)

  

(IRS Employer

Identification No.)

 

20 South Broad Street, P.O. Box 555, Canfield, Ohio   44406-0555
(Address of principal executive offices)   (Zip Code)

(330) 533-3341

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

  ☐

Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

  ☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

  ☐

Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

  ☐

Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

  

Trading
Symbol

  

Name of each exchange

on which registered

Common Stock, No Par Value   FMNB   The NASDAQ Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

 

 

Item 2.02

Results of Operations and Financial Condition.

On October 26, 2022, Farmers National Banc Corp. (the “Company”) announced earnings for the quarter ended September 30, 2022. A copy of the press release and certain financial information for this period is attached as Exhibit 99.1 hereto and incorporated by reference herein.

Pursuant to General Instruction B.2 of Current Report on Form 8-K, the information in this Item 2.02 and Exhibit 99.1 is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section. Furthermore, the information in this Item 2.02 and Exhibit 99.1 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933, as amended (the “Securities Act”) except as may be expressly set forth by specific reference in such filing.

 

Item 9.01

Financial Statements and Exhibits.

(d)     Exhibits.

 

Exhibit
Number

   

Description

99.1    Press Release, dated October 26, 2022
104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

Farmers National Banc Corp.
By:  

/s/ Kevin J. Helmick

Kevin J. Helmick
President and Chief Executive Officer

Date: October 26, 2022

EX-99.1 2 d389074dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

October 26, 2022

Press Release

 

Source:    Farmers National Banc Corp.
  

Kevin J. Helmick, President and CEO

20 South Broad Street, P.O. Box 555

  

Canfield, OH 44406

330.533.3341

   Email: exec@farmersbankgroup.com

FARMERS NATIONAL BANC CORP. ANNOUNCES

2022 THIRD QUARTER RESULTS

 

  •  

Earnings per diluted share of $0.46 ($0.48 excluding certain items, non-GAAP) for the third quarter of 2022

 

  •  

Loan growth of $27.3 million for the quarter excluding PPP loans, or 4.6% on an annualized basis

 

  •  

159 consecutive quarters of profitability

 

  •  

Efficiency ratio, (excluding certain items, non-GAAP), of 48.5% for the third quarter of 2022

 

  •  

Return on average assets, (excluding certain items, non-GAAP), was 1.55% for the third quarter of 2022

 

  •  

ROAE and ROATE, (excluding certain items, non-GAAP), 19.6% and 28.3%, respectively, for third quarter of 2022

CANFIELD, Ohio (October 26, 2022) – Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) today announced third quarter net income of $15.4 million for the three months ended September 30, 2022. This compares to $16.0 million for the three months ended September 30, 2021. Diluted earnings per share were $0.46 for the third quarter of 2022 versus $0.56 for the third quarter of 2021. The third quarter of 2022 results included pretax items of $872,000 for merger related costs and combined net losses of $6,000 on the sale of securities and the sale of other assets. Excluding these items (non-GAAP), net income for the quarter ended September 30, 2022, would have been $16.2 million, or $0.48 per diluted share.

“We’re extremely pleased with another quarter of solid loan growth and continue to see good lending opportunities in the market”, said Kevin J. Helmick, President and CEO. “Our earnings were strong during a quarter in which we opened a new lab branch in Canton, Ohio to continue the expansion of our legendary customer service and digital offerings.”

On March 23, 2022, Farmers entered into an agreement and plan of merger (the “Merger Agreement”) with Emclaire Financial Corp. (NASDAQ: EMCF), a Pennsylvania corporation (“Emclaire”), and the parent company of The Farmers National Bank of Emlenton (“Emlenton”). On July 20, 2022, the transaction received the approval of Emclaire’s shareholders. The transaction is expected to be completed after the satisfaction or waiver of the remaining closing conditions set forth in the Merger Agreement, including the receipt of all required regulatory approvals. Emclaire operates 19 branches in ten counties throughout western Pennsylvania. As of September 30, 2022, Emclaire had total assets of $1.0 billion, gross loans of $810.1 million, deposits of $926.7 million and equity of $71.0 million.

Balance Sheet

At September 30, 2022, total assets were $4.12 billion compared to $4.11 billion at June 30, 2022 and $4.14 billion at December 31, 2021. Gross loans (excluding loans held for sale and PPP loans) increased to $2.40 billion at September 30, 2022 compared to $2.37 billion at June 30, 2022. The growth of $27.3 million for the quarter was equal to growth of 4.6% on an annualized basis. The quarter again exhibited strength across multiple sectors of the loan portfolio with loan pipelines still showing solid volume. At September 30, 2022, the Company’s PPP loans had declined to a minimal $637,000 before deferred fees still to be forgiven, and $13,000 in net deferred fees associated with these loans yet to be recognized into income.

The Company’s available for sale securities decreased $66.5 million from $1.36 billion at June 30, 2022 to $1.30 billion at September 30, 2022. The continued increase in U.S. treasury rates during the third quarter of 2022 resulted in a gross unrealized loss of $290.1 million compared to $206.1 million at June 30, 2022 and a gross unrealized gain of $11.7 million at December 31, 2021. With continued loan growth and the acquisition of Emclaire, the Company plans on allowing the securities portfolio to shrink and provide liquidity. The volatility in the bond market is expected to continue in 2022, which may result in increased volatility in the fair value of the Company’s available for sale securities.

The Company’s deposits declined from $3.63 billion at June 30, 2022 to $3.57 billion at September 30, 2022. Deposit balances at December 31, 2021 were $3.55 billion. Competition for deposits increased during the back half of the third quarter of 2022 as interest rates continued to increase. The Company expects competition for deposits to remain elevated which will increase funding costs moving forward.

Total stockholders’ equity decreased to $265.6 million at September 30, 2022 from $321.4 million at June 30, 2022 and $472.4 million at December 31, 2021. The decrease in stockholders’ equity has primarily been due to the decline in accumulated other comprehensive income associated with the rapid increase in U.S. treasury rates in 2022 which has had a negative effect on the value of the Company’s available for sale securities, and in turn, the dollar amount that flows through accumulated other comprehensive income. The Company’s tangible book value per share (non-GAAP) was $4.79 at September 30, 2022 compared to $6.46 at June 30, 2022, and $10.91 at December 31, 2021.

Credit Quality

Non-performing loans (NPLs) have continued to decline and the NPL to loans ratio was 0.54% at September 30, 2022 compared to 0.69% at December 31, 2021. Non-performing assets to assets has also declined from 0.39% at December 31, 2021 to 0.32% at September 30, 2022. In addition, early stage delinquencies, defined as 30-89 days delinquent, were $6.7 million, or 0.28% of total loans, at September 30, 2022 compared to $8.9 million, or 0.38% of total loans at December 31, 2021.

During the third quarter of 2022, the Company had a provision for credit losses and unfunded commitments of $448,000 compared to a credit for credit losses of $948,000 in the third quarter of 2021. Growth in loans was the primary reason for the increase in the provision expense. The Company experienced net charge-offs of $605,000 during the third quarter of 2022 compared to $286,000 in the third quarter of 2021. Net charge-offs as a percentage of average net loans was 10 basis point for the quarter ended September 30, 2022, compared to 6 basis points for the third quarter of 2021. The allowance for credit losses to total loans declined to 1.14% at September 30, 2022, compared to 1.26% at December 31, 2021, respectively. The low level of charge-off activity over the last several years continues to result in less allowance for credit losses being required.

Net Interest Income

Net interest income increased to $31.8 million for the quarter ended September 30, 2022 from $26.5 million for the quarter ended September 30, 2021. The increase was due to the acquisition of Cortland Bancorp (“Cortland”) offset by a reduction in PPP interest and fees. During the third quarter of 2021, the Company recognized $1.4 million in interest and fees associated with PPP loans compared to $62,000 in the third quarter of 2022. The net interest margin was 3.21% for the third quarter of 2022 compared to 3.25% for the second quarter of 2022 and 3.49% for the third quarter of 2021. The decline in net interest margin in the third quarter of 2022 compared to the third quarter of 2021 was driven by the lower PPP income in 2022 compared to 2021 and a greater percentage of earning assets invested in securities rather than loans. Excluding the impact of acquisition marks and related accretion and PPP interest and fees, the net interest margin (non-GAAP) for the third quarter of 2022 was 3.18% compared to 3.16% for the second quarter of 2022 and 3.37% for the third quarter of 2021.

Noninterest Income

Noninterest income decreased $188,000, to $8.8 million for the third quarter of 2022 compared to the third quarter of 2021. Service charges on deposit accounts increased $305,000 to $1.2 million in the third quarter of 2022 compared to $924,000 for the third quarter of 2021. The increase was primarily due to the acquisition of Cortland and growth. Insurance commissions increased to $1.1 million in the third quarter of 2022 compared to $799,000 in the third quarter of 2021. This business line continues to exhibit good growth. Net gains on the sale of loans decreased to $326,000 in the third quarter of 2022 compared to $1.5 million in the third quarter of 2021. This drop was caused by lower mortgage production compared to the prior year, compressed margins and a lower saleable mix due to the dramatic increase in interest rates in 2022.

Security losses for the third quarter of 2022 totaled $17,000 compared to security gains of $459,000 for the same period in 2021. Debit card and EFT fees increased to $1.5 million in the third quarter of 2022 compared to $1.2 million in the third quarter of 2021. This increase was due to the Cortland acquisition and increased volumes. Other noninterest income increased to $1.1 million in the third quarter of 2022 compared to $461,000 in the third quarter of 2021. This increase was due to the acquisition of Cortland and increased income related to investments in SBIC and SBA funds.

Noninterest Expense

Total noninterest expense increased to $21.4 million for the quarter ended September 30, 2022 compared to $17.1 million for the third quarter of 2021. The year-over-year increase was primarily due to the acquisition of Cortland, continued higher healthcare benefit costs and more merger related costs in the third quarter of 2022 compared to the third quarter of 2021.

About Farmers National Banc Corp.

Founded in 1887, Farmers National Banc Corp. is a diversified financial services company headquartered in Canfield, Ohio, with $4.1 billion in banking assets. Farmers National Banc Corp.’s wholly-owned subsidiaries are comprised of The Farmers National Bank of Canfield, a full-service national bank engaged in commercial and retail banking with 46 banking locations in Mahoning, Trumbull, Columbiana, Portage, Stark, Wayne, Medina, Geauga and Cuyahoga Counties in Ohio and Beaver County in Pennsylvania, and Farmers Trust Company, which operates five trust offices and offers services in the same geographic markets. Total wealth management assets under care at September 30, 2022 are $2.9 billion. Farmers National Insurance, LLC, a wholly-owned subsidiary of The Farmers National Bank of Canfield, offers a variety of insurance products.

Non-GAAP Disclosure

This press release includes disclosures of Farmers’ tangible common equity ratio, return on average tangible assets, return on average tangible equity, net income excluding costs related to acquisition activities and certain items, return on average assets excluding merger costs and certain items, return on average equity excluding merger costs and certain items, net interest margin excluding acquisition marks and related accretion and PPP interest and fees, efficiency ratio less one-time expenses, and allowance for credit losses to gross loans, excluding PPP loans and acquired loans, which are financial measures not prepared in accordance with generally accepted accounting principles in the United States (GAAP). A non-GAAP financial measure is a numerical measure of historical or future financial performance, financial position or cash flows that excludes or includes amounts that are required to be disclosed by GAAP. Farmers believes that these non-GAAP financial measures provide both management and investors a more complete understanding of the underlying operational results and trends and Farmers’ marketplace performance. The presentation of this additional information is not meant to be considered in isolation or as a substitute for the numbers prepared in accordance with GAAP. The reconciliations of non-GAAP financial measures to their GAAP equivalents are included in the tables following Consolidated Financial Highlights below.

Cautionary Statements Regarding Forward-Looking Statements

We make statements in this news release and our related investor conference call, and we may from time to time make other statements, that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about Farmers’ financial condition, results of operations, asset quality trends and profitability. Forward-looking statements are not historical facts but instead represent only management’s current expectations and forecasts regarding future events, many of which, by their nature, are inherently uncertain and outside of Farmers’ control. Forward-looking statements are preceded by terms such as “expects,” “believes,” “anticipates,” “intends” and similar expressions, as well as any statements related to future expectations of performance or conditional verbs, such as “will,” “would,” “should,” “could” or “may.” Farmers’ actual results and financial condition may differ, possibly materially, from the anticipated results and financial condition indicated in these forward-looking statements. Factors that could cause Farmers’ actual results to differ materially from those described in certain forward-looking statements include impacts from the length and extent of the economic impacts of the COVID-19 pandemic; significant changes in near-term local, regional, and U.S. economic conditions resulting from continued high rates of inflation, tightening monetary policy of the Board of Governors of the Federal Reserve, and possibility of a recession; Farmers’ failure to integrate Emclaire and Emlenton with Farmers in accordance with expectations; deviations from performance expectations related to Emclaire and Emlenton; and the other factors contained in Farmers’ Annual Report on Form 10-K for the year ended December 31, 2021 and subsequent Quarterly Reports on Form 10-Q filed with the Securities and Exchange Commission (SEC) and available on Farmers’ website (www.farmersbankgroup.com) and on the SEC’s website (www.sec.gov). Forward-looking statements are not guarantees of future performance and should not be relied upon as representing management’s views as of any subsequent date. Farmers does not undertake any obligation to update the forward-looking statements to reflect the impact of circumstances or events that may arise after the date of the forward-looking statements.

Farmers National Banc Corp. and Subsidiaries

Consolidated Financial Highlights

(Amounts in thousands, except per share results) Unaudited

 

Consolidated Statements of Income

 

     For the Three Months Ended     For the Nine Months Ended  
     Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,     Percent  
     2022     2022     2022     2021     2021     2022     2021     Change  

Total interest income

    $ 36,410     $ 34,286     $ 33,279     $ 31,685     $ 28,375     $ 103,975     $ 84,774       22.6 % 

Total interest expense

      4,629       2,575       2,037       1,986       1,841       9,241       6,483       42.5 % 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income

      31,781       31,711       31,242       29,699       26,534       94,734       78,291       21.0 % 

Provision (credit) for credit losses

      448       616       (358 )      5,366       (948 )      706       (473 )      -249.3 % 

Noninterest income

      8,827       9,477       17,698       9,538       9,015       36,002       28,655       25.6 % 

Acquisition related costs

      872       674       1,940       6,521       472       3,486       588       492.9 % 

Other expense

      20,527       20,787       28,516       21,140       16,656       69,830       50,927       37.1 % 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Income before income taxes

      18,761       19,111       18,842       6,210       19,369       56,714       55,904       1.4 % 

Income taxes

      3,315       3,160       2,998       508       3,358       9,473       9,762       -3.0 % 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net income

    $ 15,446     $ 15,951     $ 15,844     $ 5,702     $ 16,011     $ 47,241     $ 46,142       2.4 % 
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average diluted shares outstanding

      33,932       33,923       33,937       32,074       28,361       33,925       28,339    

Basic earnings per share

      0.46       0.47       0.47       0.18       0.57       1.40       1.63    

Diluted earnings per share

      0.46       0.47       0.47       0.18       0.56       1.39       1.63    

Cash dividends per share

      0.16       0.16       0.16       0.14       0.11       0.48       0.33    

Performance Ratios

                 

Net Interest Margin (Annualized)

      3.21 %      3.25 %      3.27 %      3.33 %      3.49 %      3.24 %      3.49 %   

Efficiency Ratio (Tax equivalent basis)

      50.55 %      49.95 %      61.36 %      63.61 %      46.04 %      54.00 %      46.49 %   

Return on Average Assets (Annualized)

      1.48 %      1.54 %      1.52 %      0.58 %      1.92 %      1.51 %      1.90 %   

Return on Average Equity (Annualized)

      18.71 %      17.97 %      13.89 %      5.24 %      16.93 %      16.55 %      17.05 %   

Dividends to Net Income

      35.06 %      33.95 %      34.18 %      82.99 %      19.41 %      34.39 %      20.20 %   

Other Performance Ratios (Non-GAAP)

                 

Return on Average Tangible Assets

      1.52 %      1.57 %      1.55 %      0.60 %      1.97 %      1.55 %      1.92 %   

Return on Average Tangible Equity

      27.06 %      25.23 %      17.92 %      6.57 %      19.63 %      22.62 %      19.64 %   

Consolidated Statements of Financial Condition

 

     Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,  
     2022     2022     2022     2021     2021  

Assets

           

Cash and cash equivalents

    $ 79,981     $ 65,458     $ 137,627     $ 112,790     $ 79,808  

Securities available for sale

      1,295,133       1,361,682       1,463,626       1,427,677       1,183,361  

Other investments

      34,399       34,451       34,019       30,459       19,041  

Loans held for sale

      2,142       2,714       1,904       4,545       2,628  

Loans

      2,399,981       2,374,485       2,304,971       2,331,082       1,894,216  

Less allowance for credit losses

      27,282       27,454       27,015       29,386       23,136  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net Loans

      2,372,699       2,347,031       2,277,956       2,301,696       1,871,080  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Other assets

      335,668       303,028       290,723       265,582       161,129  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Assets

    $ 4,120,022     $ 4,114,364     $ 4,205,855     $ 4,142,749     $ 3,317,047  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Liabilities and Stockholders’ Equity

           

Deposits

           

Noninterest-bearing

    $ 934,638     $ 983,713     $ 963,143     $ 916,237     $ 675,938  

Interest-bearing

      2,632,513       2,641,825       2,730,668       2,630,998       2,190,475  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total deposits

      3,567,151       3,625,538       3,693,811       3,547,235       2,866,413  

Other interest-bearing liabilities

      243,098       137,985       87,872       87,758       49,649  

Other liabilities

      44,154       29,392       30,286       35,324       23,461  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total liabilities

      3,854,403       3,792,915       3,811,969       3,670,317       2,939,523  

Stockholders’ Equity

      265,619       321,449       393,886       472,432       377,524  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Liabilities and Stockholders’ Equity

    $ 4,120,022        $ 4,114,364        $ 4,205,855        $ 4,142,749        $ 3,317,047     
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Period-end shares outstanding

           34,060            34,032       34,008       33,898       28,322  

Book value per share

    $ 7.80     $ 9.45     $        11.58     $        13.94     $        13.33  

Tangible book value per share (Non-GAAP)*

      4.79       6.46       8.58       10.91       11.61  

*  Tangible book value per share is calculated by dividing tangible common equity by outstanding shares

   

Capital and Liquidity

           

Common Equity Tier 1 Capital Ratio (a)

      13.46 %      13.30 %      13.31 %      13.16 %      14.58 % 

Total Risk Based Capital Ratio (a)

      17.57 %      17.46 %      17.59 %      17.60 %      16.25 % 

Tier 1 Risk Based Capital Ratio (a)

      14.08 %      13.92 %      13.95 %      13.82 %      15.18 % 

Tier 1 Leverage Ratio (a)

      9.67 %      9.56 %      9.56 %      10.12 %      10.17 % 

Equity to Asset Ratio

      6.45 %      7.81 %      9.37 %      11.40 %      11.38 % 

Tangible Common Equity Ratio (b)

      4.06 %      5.47 %      7.11 %      9.15 %      10.06 % 

Net Loans to Assets

      57.59 %      57.04 %      54.16 %      55.56 %      56.41 % 

Loans to Deposits

      67.28 %      65.49 %      62.40 %      65.72 %      66.08 % 

Asset Quality

           

Non-performing loans

    $ 12,976     $ 14,107     $ 14,046     $ 16,195     $ 14,744  

Non-performing assets

      13,042       14,107       14,046       16,195       14,744  

Loans 30 - 89 days delinquent

      6,659       8,716       7,304       8,891       6,944  

Charged-off loans

      783       177       1,590       470       411  

Recoveries

      178       135       149       157       125  

Net Charge-offs

      605       42       1,441       313       286  

Annualized Net Charge-offs to

           

Average Net Loans Outstanding

      0.10 %      0.01 %      0.25 %      0.06 %      0.06 % 

Allowance for Credit Losses to Total Loans

      1.14 %      1.16 %      1.17 %      1.26 %      1.22 % 

Non-performing Loans to Total Loans

      0.54 %      0.59 %      0.61 %      0.69 %      0.78 % 

Allowance to Non-performing Loans

      210.25 %      194.61 %      192.33 %      181.45 %      156.92 % 

Non-performing Assets to Total Assets

      0.32 %      0.34 %      0.33 %      0.39 %      0.44 % 

 

(a)

September 30, 2022 ratio is estimated

(b)

This is a non-GAAP financial measure. A reconciliation to GAAP is shown below

 

     For the Three Months Ended  
     Sept. 30,      June 30,      March 31,      Dec. 31,      Sept. 30,  
End of Period Loan Balances    2022      2022      2022      2021      2021  

Commercial real estate

    $ 1,028,484      $ 1,040,243      $ 1,000,972      $ 1,011,891      $ 690,407  

Commercial

      296,932        285,981        298,903        313,836        302,356  

Residential real estate

      474,014        464,489        455,501        453,635        376,901  

HELOC

      132,267        129,392        128,221        127,433        106,750  

Consumer

      222,706        218,219        192,586        189,522        189,497  

Agricultural loans

      239,081        230,477        224,845        232,365        226,896  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Total, excluding net deferred loan costs

    $ 2,393,484      $ 2,368,801      $ 2,301,028      $ 2,328,682      $ 1,892,807  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

 

     For the Three Months Ended      For the Nine Months Ended  
     Sept. 30,     June 30,     March 31,     Dec. 31,      Sept. 30,      Sept. 30,     Sept. 30,  
Noninterest Income    2022     2022     2022     2021      2021      2022     2021  

Service charges on deposit accounts

    $ 1,229     $ 1,139     $ 1,145     $ 1,138      $ 924      $ 3,513     $ 2,522  

Bank owned life insurance income, including death benefits

      406       405       409       414        340        1,220       924  

Trust fees

      2,370       2,376       2,519       2,509        2,335        7,265       6,930  

Insurance agency commissions

      1,136       1,086       1,047       706        799        3,269       2,750  

Security gains (losses), including fair value changes for equity securities

      (17 )      (60 )      (11 )      25        459        (88 )      979  

Retirement plan consulting fees

      332       323       397       378        334        1,052       1,043  

Investment commissions

      424       557       694       611        638        1,675       1,665  

Net gains on sale of loans

      326       365       1,129       1,728        1,466        1,820       6,557  

Other mortgage banking fee income (loss), net

      94       39       60       2        32        193       (138 ) 

Debit card and EFT fees

      1,463       1,528       1,416       1,424        1,227        4,407       3,720  

Other noninterest income

      1,064       1,719       8,893       603        461        11,676       1,703  
  

 

 

    

 

 

    

 

 

    

 

 

     

 

 

     

 

 

    

 

 

  

Total Noninterest Income

    $ 8,827     $ 9,477     $ 17,698     $ 9,538      $ 9,015      $ 36,002     $ 28,655  
  

 

 

    

 

 

    

 

 

    

 

 

     

 

 

     

 

 

    

 

 

  

     For the Three Months Ended      For the Nine Months Ended  
     Sept. 30,      June 30,      March 31,      Dec. 31,      Sept. 30,      Sept. 30,      Sept. 30,  
Noninterest Expense    2022      2022      2022      2021      2021      2022      2021  

Salaries and employee benefits

    $ 10,724      $ 11,073      $ 11,831      $ 10,230      $ 9,321      $ 33,628      $ 29,163  

Occupancy and equipment

      3,028        2,918        2,680        2,422        1,899        8,626        6,065  

FDIC insurance and state and local taxes

      1,017        979        945        772        692        2,941        2,086  

Professional fees

      985        1,056        3,135        1,296        1,009        5,176        2,895  

Merger related costs

      872        674        1,940        6,521        472        3,486        588  

Advertising

      596        487        392        776        466        1,475        1,083  

Intangible amortization

      432        419        420        414        316        1,271        948  

Core processing charges

      738        1,123        745        880        860        2,606        2,318  

Other noninterest expenses

      3,007        2,732        8,368        4,350        2,093        14,107        6,369  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Total Noninterest Expense

    $ 21,399      $ 21,461      $ 30,456      $ 27,661      $ 17,128      $ 73,316      $ 51,515  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Average Balance Sheets and Related Yields and Rates

(Dollar Amounts in Thousands)

 

     Three Months Ended     Three Months Ended  
     September 30, 2022     September 30, 2021  
     AVERAGE             YIELD/     AVERAGE             YIELD/  
     BALANCE      INTEREST (1)      RATE (1)     BALANCE      INTEREST (1)      RATE (1)  

EARNING ASSETS

                 

Loans (2)

    $ 2,386,184      $ 27,570        4.62 %    $ 1,917,443      $ 22,665        4.73 % 

Taxable securities

      1,112,411        5,477        1.97       727,271        3,222        1.77  

Tax-exempt securities (2)

      473,677        3,814        3.22       360,371        3,065        3.40  

Other investments

      33,524        199        2.37       19,380        113        2.33  

Federal funds sold and other

      59,289        205        1.38       95,871        32        0.13  
  

 

 

     

 

 

       

 

 

     

 

 

     

Total earning assets

      4,065,085        37,265        3.67       3,120,336        29,097        3.73  

Nonearning assets

      99,770             184,372        
  

 

 

          

 

 

        

Total assets

    $ 4,164,855           $ 3,304,708        
  

 

 

          

 

 

        

INTEREST-BEARING LIABILITIES

                 

Time deposits

    $ 338,794      $ 586        0.69 %    $ 361,566      $ 692        0.77 % 

Brokered time deposits

      50,494        142        1.12       0        0        0.00  

Savings deposits

      832,828        165        0.08       525,560        152        0.12  

Demand deposits - interest bearing

      1,426,801        2,317        0.65       1,278,099        502        0.16  

Short term borrowings

      90,978        533        2.34       5,671        0        0.00  

Long term borrowings

      88,031        886        4.03       51,767        495        3.82  
  

 

 

     

 

 

       

 

 

     

 

 

     

Total interest-bearing liabilities

    $ 2,827,926        4,629        0.65     $ 2,222,663        1,841        0.33  
          

 

 

        

NONINTEREST-BEARING LIABILITIES AND STOCKHOLDERS’ EQUITY

                 

Demand deposits - noninterest bearing

      969,700             684,419        

Other liabilities

      36,929             22,418        

Stockholders’ equity

      330,300             375,208        
  

 

 

          

 

 

        

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY

    $ 4,164,855           $ 3,304,708        
  

 

 

     

 

 

       

 

 

     

 

 

     

Net interest income and interest rate spread

       $ 32,636        3.02 %       $ 27,256        3.40 % 
     

 

 

     

 

 

       

 

 

     

 

 

  

Net interest margin

            3.21 %            3.49 % 
        

 

 

          

 

 

  

 

(1)

Interest and yields are calculated on a tax-equivalent basis where applicable.

(2)

For 2022, adjustments of $76 thousand and $779 thousand, respectively, were made to tax equate income on tax exempt loans and tax exempt securities. For 2021, adjustments of $87 thousand and $635 thousand, respectively, were made to tax equate income on tax exempt loans and tax exempt securities. These adjustments were based on a marginal federal income tax rate of 21%, less disallowances.

     Nine Months Ended     Nine Months Ended  
     September 30, 2022     September 30, 2021  
     AVERAGE             YIELD/     AVERAGE             YIELD/  
     BALANCE      INTEREST (1)      RATE (1)     BALANCE      INTEREST (1)      RATE (1)  

EARNING ASSETS

                 

Loans (2)

    $ 2,346,542      $ 79,008        4.49 %    $ 1,994,687      $ 70,234        4.69 % 

Taxable securities

      1,074,020        15,287        1.90       524,774        7,452        1.89  

Tax-exempt securities (2)

      469,878        11,372        3.23       327,938        8,630        3.51  

Other investments

      32,901        545        2.21       20,372        355        2.32  

Federal funds sold and other

      82,031        348        0.57       204,037        161        0.11  
  

 

 

     

 

 

       

 

 

     

 

 

     

Total earning assets

      4,005,372        106,560        3.55       3,071,808        86,832        3.77  

Nonearning assets

      160,975             189,358        
  

 

 

          

 

 

        

Total assets

    $ 4,166,347           $ 3,261,166        
  

 

 

          

 

 

        

INTEREST-BEARING LIABILITIES

                 

Time deposits

    $ 357,241      $ 1,782        0.67 %    $ 393,704      $ 2,955        1.00 % 

Brokered time deposits

      37,400        206        0.73       15,692        75        0.64  

Savings deposits

      837,937        473        0.07       512,716        510        0.13  

Demand deposits - interest bearing

      1,422,583        3,644        0.34       1,200,584        1,861        0.21  

Short term borrowings

      45,568        631        1.85       3,155        7        0.30  

Long term borrowings

      87,915        2,505        3.80       68,306        1,075        2.10  
  

 

 

     

 

 

       

 

 

     

 

 

     

Total interest-bearing liabilities

    $ 2,788,644        9,241        0.44     $ 2,194,157        6,483        0.39  

NONINTEREST-BEARING LIABILITIES AND STOCKHOLDERS’ EQUITY

                 

Demand deposits - noninterest bearing

    $ 966,173           $ 682,584        

Other liabilities

      30,904             22,026        

Stockholders’ equity

      380,626             362,399        
  

 

 

          

 

 

        

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY

    $ 4,166,347           $ 3,261,166        
  

 

 

     

 

 

       

 

 

     

 

 

     

Net interest income and interest rate spread

       $ 97,319        3.11 %       $ 80,349        3.38 % 
     

 

 

     

 

 

       

 

 

     

 

 

  

Net interest margin

            3.24 %            3.49 % 
        

 

 

          

 

 

  

 

(1)

Interest and yields are calculated on a tax-equivalent basis where applicable.

(2)

For 2022, adjustments of $238 thousand and $2.3 million, respectively, were made to tax equate income on tax exempt loans and tax exempt securities. For 2021, adjustments of $274 thousand and $1.8 million, respectively, were made to tax equate income on tax exempt loans and tax exempt securities. These adjustments were based on a marginal federal income tax rate of 21%, less disallowances.

Reconciliation of Total Assets to Tangible Assets

 

    For the Three Months Ended     For the Nine Months Ended  
    Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,  
    2022     2022     2022     2021     2021     2022     2021  

Total Assets

   $ 4,120,022     $ 4,114,364     $ 4,205,855     $ 4,142,749     $ 3,317,047     $ 4,120,022     $ 3,317,047  

Less Goodwill and other intangibles

     102,368       101,767       102,187       102,606       48,670       102,368       48,670  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible Assets

   $ 4,017,654     $ 4,012,597     $ 4,103,668     $ 4,040,143     $ 3,268,377     $ 4,017,654     $ 3,268,377  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average Assets

     4,164,855       4,155,719       4,178,618       3,879,901       3,304,708       4,166,347       3,261,166  

Less average Goodwill and other intangibles

     101,981       102,042       102,462       84,580       48,879       102,160       49,192  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average Tangible Assets

   $ 4,062,874     $ 4,053,677     $ 4,076,156     $ 3,795,321     $ 3,255,829     $ 4,064,187     $ 3,211,974  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Reconciliation of Common Stockholders’ Equity to Tangible Common Equity

 

    For the Three Months Ended     For the Nine Months Ended  
    Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,  
    2022     2022     2022     2021     2021     2022     2021  

Stockholders’ Equity

   $ 265,619     $ 321,449     $ 393,886     $ 472,432     $ 377,524     $ 265,619     $ 377,524  

Less Goodwill and other intangibles

     102,368       101,767       102,187       102,606       48,670       102,368       48,670  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Tangible Common Equity

   $ 163,251     $ 219,682     $ 291,699     $ 369,826     $ 328,854     $ 163,251     $ 328,854  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average Stockholders’ Equity

     330,300       354,981       456,206       431,709       375,208       380,626       362,399  

Less average Goodwill and other intangibles

     101,981       102,042       102,462       84,580       48,879       102,160       49,192  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average Tangible Common Equity

   $ 228,319     $ 252,939     $ 353,744     $ 347,129     $ 326,329     $ 278,466     $ 313,207  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Reconciliation of Net Income, Less Merger and Certain Items

 

        
    For the Three Months Ended     For the Nine Months Ended  
    Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,  
    2022     2022     2022     2021     2021     2022     2021  

Net income

   $ 15,446     $ 15,951     $ 15,844     $ 5,702     $ 16,011     $ 47,241     $ 46,142  

Acquisition related costs - after tax

     711       564       1,540       5,232       468       2,815       499  

Acquisition related provision - after tax

     0       0       0       3,846       0       0       0  

Lawsuit settlement income - after tax

     0       0       (6,616 )      0       0       (6,616 )      0  

Lawsuit settlement contingent legal expense - after tax

     0       0       1,639       0       0       1,639       0  

Charitable donation - after tax

     0       0       4,740       0       0       4,740       0  

FHLB prepayment penalties - after tax

     0       0       0       1,425       257       0       257  

Net loss (gain) on asset/security sales - after tax

     4       (25 )      97       134       (362 )      76       (732 ) 

Gain on sale of credit card portfolio - after tax

     0       0       0       (189 )      0       0       0  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net income - Adjusted

   $ 16,161     $ 16,490     $ 17,244     $ 16,150     $ 16,374     $ 49,895     $ 46,166  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Diluted EPS excluding merger and one-time items

   $ 0.48     $ 0.49     $ 0.51     $ 0.50     $ 0.58     $ 1.47     $ 1.63  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Return on Average Assets excluding merger and certain items (Annualized)

     1.55 %      1.59 %      1.65 %      1.65 %      1.97 %      1.60 %      1.89 % 

Return on Average Equity excluding merger and certain items (Annualized)

     19.57 %      18.58 %      15.12 %      14.84 %      17.31 %      17.48 %      16.99 % 

Return on Average Tangible Equity excluding acquisition costs and certain items (Annualized)

     28.31 %      26.08 %      19.50 %      18.46 %      19.91 %      23.89 %      19.65 % 

Efficiency ratio excluding certain items

 

    For the Three Months Ended     For the Nine Months Ended  
    Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,  
    2022     2022     2022     2021     2021     2022     2021  

Net interest income, after tax

   $ 32,636     $ 32,583     $ 32,100     $ 30,486     $ 27,256     $ 97,319     $ 80,349  

Noninterest income

     8,827       9,477       17,698       9,538       9,015       36,002       28,655  

Legal settlement income

     0       0       (8,375 )      0       0       (8,375 )      0  

Net loss (gain) on asset/security sales

     6       (32 )      123       170       (458 )      97       (927 ) 

Gain on sale of credit card portfolio

     0       0       0       (239 )      0       0       0  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income and noninterest income adjusted

     41,469       42,028       41,546       39,955       35,813       125,043       108,077  

Noninterest expense less intangible amortization

     20,967       21,042       30,036       27,247       16,813       72,045       50,570  

Charitable donation

     0       0       6,000       0       0       6,000       0  

Contingent legal settlement expense

     0       0       2,075       0       0       2,075       0  

Acquisition related costs

     872       674       1,940       6,521       472       3,486       588  

FHLB prepayment penalties

     0       0       0       1,804       325       0       325  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Noninterest income adjusted

     20,095       20,368       20,021       18,922       16,016       60,484       49,657  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Efficiency ratio excluding one-time items

     48.46 %      48.46 %      48.19 %      47.36 %      44.72 %      48.37 %      45.95 % 
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  
Net interest margin excluding acquisition marks and PPP interest and fees

 

  
    For the Three Months Ended     For the Nine Months Ended  
    Sept. 30,     June 30,     March 31,     Dec. 31,     Sept. 30,     Sept. 30,     Sept. 30,  
    2022     2022     2022     2021     2021     2022     2021  

Net interest income, taxable equivalent

   $ 32,636     $ 32,583     $ 32,100     $ 30,486     $ 27,256     $ 97,319     $ 80,349  

Acquisition marks

     246       381       957       496       (35 )      1,584       436  

PPP interest and fees

     62       634       686       979       1,402       1,382       5,643  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Adjusted and annualized net interest income

     129,312       126,272       121,828       115,098       102,712       125,804       99,027  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Average earning assets

     4,065,085       4,015,385       3,931,506       3,631,320       3,120,336       4,005,372       3,261,166  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Less PPP average balances

     1,586       16,019       30,003       47,939       76,990       15,766       111,162  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Adjusted average earning assets

     4,063,499       3,999,366       3,901,503       3,583,381       3,043,346       3,989,606       3,150,004  
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net interest margin excluding marks and PPP interest and fees

     3.18 %      3.16 %      3.12 %      3.21 %      3.37 %      3.15 %      3.14 % 
 

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  
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Document and Entity Information
Oct. 26, 2022
Cover [Abstract]  
Entity Registrant Name FARMERS NATIONAL BANC CORP /OH/
Amendment Flag false
Entity Central Index Key 0000709337
Document Type 8-K
Document Period End Date Oct. 26, 2022
Entity Incorporation State Country Code OH
Entity File Number 001-35296
Entity Tax Identification Number 34-1371693
Entity Address, Address Line One 20 South Broad Street
Entity Address, Address Line Two P.O. Box 555
Entity Address, City or Town Canfield
Entity Address, State or Province OH
Entity Address, Postal Zip Code 44406-0555
City Area Code (330)
Local Phone Number 533-3341
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Security 12b Title Common Stock, No Par Value
Trading Symbol FMNB
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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