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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

Quarterly Report Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

For the Quarterly period ended March 31, 2024

Commission file number 001-35296

 

FARMERS NATIONAL BANC CORP.

(Exact name of registrant as specified in its charter)

 

 

Ohio

 

34-1371693

(State or other jurisdiction of

incorporation or organization)

 

(I.R.S. Employer

Identification No)

 

 

 

20 South Broad Street Canfield, OH

44406

(Address of principal executive offices)

 

(Zip Code)

(330) 533-3341

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

 

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: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer

Accelerated filer

 

 

 

 

Non-accelerated filer

Small reporting company

 

 

 

 

 

 

 

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.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes No

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

 

Class

Outstanding at April 30, 2024

Common Stock, No Par Value

37,549,948 shares

 

 

 

 

 


 

 

 

Page Number

PART I - FINANCIAL INFORMATION

 

 

 

Item 1

Financial Statements (Unaudited)

 

 

 

 

Included in Part I of this report:

 

 

 

 

Farmers National Banc Corp. and Subsidiaries

 

 

 

 

Consolidated Condensed Balance Sheets (Unaudited)

2

 

Consolidated Condensed Statements of Income (Unaudited)

3

 

Consolidated Condensed Statements of Comprehensive Income (Loss) (Unaudited)

4

 

Consolidated Condensed Statements of Stockholders’ Equity (Unaudited)

5

 

Consolidated Condensed Statements of Cash Flows (Unaudited)

6

 

Notes to Unaudited Condensed Consolidated Financial Statements

7

 

 

 

Item 2

Management’s Discussion and Analysis of Financial Condition and Results of Operations

43

 

 

 

Item 3

Quantitative and Qualitative Disclosures About Market Risk

51

 

 

 

Item 4

Controls and Procedures

52

 

 

 

PART II - OTHER INFORMATION

52

 

 

 

Item 1

Legal Proceedings

52

 

 

 

Item 1A

Risk Factors

52

 

 

 

Item 2

Unregistered Sales of Equity Securities and Use of Proceeds

53

 

 

 

Item 3

Defaults Upon Senior Securities

53

 

 

 

Item 4

Mine Safety Disclosures

53

 

 

 

Item 5

Other Information

53

 

 

 

Item 6

Exhibits

54

 

 

SIGNATURES

55

 

 

10-Q Certifications

 

 

Section 906 Certifications

 

1


CONSOLIDATED CONDENSED BALANCE SHEETS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands of Dollars)

 

 

 

March 31,
2024

 

 

December 31,
2023

 

ASSETS

 

 

 

 

 

 

Cash and due from banks

 

$

22,965

 

 

$

28,896

 

Federal funds sold and other

 

 

125,665

 

 

 

74,762

 

TOTAL CASH AND CASH EQUIVALENTS

 

 

148,630

 

 

 

103,658

 

Securities available for sale (Amortized cost $1,504,331 in 2024 and $1,516,841 in 2023)

 

 

1,270,149

 

 

 

1,299,701

 

Other investments

 

 

34,619

 

 

 

35,311

 

Loans held for sale, at fair value

 

 

1,854

 

 

 

3,711

 

Loans

 

 

3,181,318

 

 

 

3,198,127

 

Less allowance for credit losses

 

 

33,159

 

 

 

34,440

 

NET LOANS

 

 

3,148,159

 

 

 

3,163,687

 

Premises and equipment, net

 

 

45,109

 

 

 

44,364

 

Goodwill

 

 

167,446

 

 

 

167,446

 

Other intangibles, net

 

 

22,153

 

 

 

22,842

 

Bank owned life insurance

 

 

100,189

 

 

 

99,482

 

Affordable housing investments

 

 

17,486

 

 

 

17,893

 

Other assets

 

 

124,216

 

 

 

120,255

 

TOTAL ASSETS

 

$

5,080,010

 

 

$

5,078,350

 

 

 

 

 

 

 

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

Noninterest-bearing

 

$

977,475

 

 

$

1,026,630

 

Interest-bearing

 

 

3,220,650

 

 

 

3,150,756

 

Brokered time deposits

 

 

0

 

 

 

0

 

TOTAL DEPOSITS

 

 

4,198,125

 

 

 

4,177,386

 

Short-term borrowings

 

 

345,000

 

 

 

355,000

 

Long-term borrowings

 

 

88,777

 

 

 

88,663

 

Other liabilities

 

 

51,082

 

 

 

52,886

 

TOTAL LIABILITIES

 

 

4,682,984

 

 

 

4,673,935

 

Commitments and contingent liabilities

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

Common Stock, no par value; 50,000,000 shares authorized; 39,321,709 shares issued in 2024 and 2023; 37,545,864 and 37,502,773 shares outstanding, respectively

 

 

364,843

 

 

 

365,305

 

Retained earnings

 

 

241,628

 

 

 

236,757

 

Accumulated other comprehensive (loss)

 

 

(184,954

)

 

 

(172,554

)

Treasury stock, at cost; 1,775,845 and 1,818,936 shares in 2024 and 2023, respectively

 

 

(24,491

)

 

 

(25,093

)

TOTAL STOCKHOLDERS' EQUITY

 

 

397,026

 

 

 

404,415

 

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

 

$

5,080,010

 

 

$

5,078,350

 

 

See accompanying notes

2


CONSOLIDATED CONDENSED STATEMENTS OF INCOME (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands except Per Share Data)

 

 

 

For the Three Months Ended

 

 

 

March 31,
2024

 

 

March 31,
2023

 

INTEREST AND DIVIDEND INCOME

 

 

 

 

 

 

Loans, including fees

 

$

45,016

 

 

$

40,856

 

Taxable securities

 

 

6,415

 

 

 

6,550

 

Tax exempt securities

 

 

2,635

 

 

 

2,841

 

Dividends

 

 

362

 

 

 

376

 

Federal funds sold and other interest income

 

 

626

 

 

 

610

 

TOTAL INTEREST AND DIVIDEND INCOME

 

 

55,054

 

 

 

51,233

 

INTEREST EXPENSE

 

 

 

 

 

 

Deposits

 

 

18,390

 

 

 

12,707

 

Short-term borrowings

 

 

3,939

 

 

 

921

 

Long-term borrowings

 

 

1,038

 

 

 

995

 

TOTAL INTEREST EXPENSE

 

 

23,367

 

 

 

14,623

 

NET INTEREST INCOME

 

 

31,687

 

 

 

36,610

 

(Credit) provision for credit losses

 

 

(270

)

 

 

8,305

 

(Credit) provision for unfunded loans

 

 

(179

)

 

 

294

 

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

 

 

32,136

 

 

 

28,011

 

NONINTEREST INCOME

 

 

 

 

 

 

Service charges on deposit accounts

 

 

1,583

 

 

 

1,432

 

Bank owned life insurance income

 

 

707

 

 

 

547

 

Trust fees

 

 

2,793

 

 

 

2,587

 

Insurance agency commissions

 

 

1,528

 

 

 

1,456

 

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

 

 

(2,120

)

 

 

121

 

Retirement plan consulting fees

 

 

334

 

 

 

307

 

Investment commissions

 

 

432

 

 

 

393

 

Net gains on sale of loans

 

 

297

 

 

 

310

 

Other mortgage banking income, net

 

 

125

 

 

 

153

 

Debit card and EFT fees

 

 

1,567

 

 

 

1,789

 

Other operating income

 

 

1,111

 

 

 

1,330

 

TOTAL NONINTEREST INCOME

 

 

8,357

 

 

 

10,425

 

NONINTEREST EXPENSES

 

 

 

 

 

 

Salaries and employee benefits

 

 

15,069

 

 

 

14,645

 

Occupancy and equipment

 

 

3,730

 

 

 

3,869

 

FDIC insurance and state and local taxes

 

 

1,345

 

 

 

1,222

 

Professional fees

 

 

1,254

 

 

 

1,114

 

Merger related costs

 

 

0

 

 

 

4,313

 

Advertising

 

 

431

 

 

 

409

 

Intangible amortization

 

 

688

 

 

 

909

 

Core processing charges

 

 

1,135

 

 

 

1,164

 

Other operating expenses

 

 

3,387

 

 

 

3,077

 

TOTAL NONINTEREST EXPENSES

 

 

27,039

 

 

 

30,722

 

INCOME BEFORE INCOME TAXES

 

 

13,454

 

 

 

7,714

 

INCOME TAXES

 

 

2,214

 

 

 

639

 

NET INCOME

 

$

11,240

 

 

$

7,075

 

EARNINGS PER SHARE - basic

 

$

0.30

 

 

$

0.19

 

EARNINGS PER SHARE - diluted

 

$

0.30

 

 

$

0.19

 

 

See accompanying notes

3


CONSOLIDATED CONDENSED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands of Dollars)

 

 

 

For the Three Months Ended

 

 

 

March 31,
2024

 

 

March 31,
2023

 

NET INCOME

 

$

11,240

 

 

$

7,075

 

Other comprehensive (loss) income:

 

 

 

 

 

 

Net unrealized holding (losses) gains on available for sale securities

 

 

(19,176

)

 

 

42,900

 

Reclassification adjustment for losses (gains) realized in income on sales

 

 

2,134

 

 

 

(120

)

Reclassification adjustment for losses realized in income on fair value hedge

 

 

1,346

 

 

 

0

 

Net unrealized holding (losses) gains

 

 

(15,696

)

 

 

42,780

 

Income tax effect

 

 

3,296

 

 

 

(8,984

)

Unrealized holding (losses) gains, net of reclassification and tax

 

 

(12,400

)

 

 

33,796

 

Change in funded status of post-retirement plan, net of tax

 

 

0

 

 

 

0

 

Other comprehensive (loss) income, net of tax

 

 

(12,400

)

 

 

33,796

 

TOTAL COMPREHENSIVE (LOSS) INCOME

 

$

(1,160

)

 

$

40,871

 

 

See accompanying notes

4


CONSOLIDATED CONDENSED STATEMENTS OF STOCKHOLDERS’ EQUITY (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

(Table Dollar Amounts in Thousands except Per Share Data)

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

Common

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

Stock

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

Balance December 31, 2023

$

365,305

 

 

$

236,757

 

 

$

(172,554

)

 

$

(25,093

)

 

$

404,415

 

   Net income

 

 

 

 

11,240

 

 

 

 

 

 

 

 

 

11,240

 

   Other comprehensive income

 

 

 

 

 

 

 

(12,400

)

 

 

 

 

 

(12,400

)

   Restricted share issuance

 

(363

)

 

 

 

 

 

 

 

 

367

 

 

 

4

 

   Restricted share forfeitures

 

153

 

 

 

 

 

 

 

 

 

(155

)

 

 

(2

)

   Stock based compensation expense

 

662

 

 

 

 

 

 

 

 

 

 

 

 

662

 

   Vesting of Long Term Incentive Plan

 

(914

)

 

 

 

 

 

 

 

 

919

 

 

 

5

 

   Share forfeitures for taxes

 

 

 

 

 

 

 

 

 

 

(529

)

 

 

(529

)

   Dividends paid at $0.17 per share

 

 

 

 

(6,369

)

 

 

 

 

 

 

 

 

(6,369

)

Balance March 31, 2024

$

364,843

 

 

$

241,628

 

 

$

(184,954

)

 

$

(24,491

)

 

$

397,026

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

Common

 

 

Retained

 

 

Comprehensive

 

 

Treasury