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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, 2022

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, 2022

Common Stock, No Par Value

 

34,007,677 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 Balance Sheets

2

 

Consolidated Statements of Income

3

 

Consolidated Statements of Comprehensive Income

4

 

Consolidated Statements of Stockholders’ Equity

5

 

Consolidated Statements of Cash Flows

6

 

Notes to Unaudited Consolidated Financial Statements

7

 

 

 

Item 2

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

31

 

 

 

Item 3

Quantitative and Qualitative Disclosures About Market Risk

39

 

 

 

Item 4

Controls and Procedures

39

 

 

 

PART II - OTHER INFORMATION

40

 

 

 

Item 1

Legal Proceedings

40

 

 

 

Item 1A

Risk Factors

40

 

 

 

Item 2

Unregistered Sales of Equity Securities and Use of Proceeds

40

 

 

 

Item 3

Defaults Upon Senior Securities

40

 

 

 

Item 4

Mine Safety Disclosures

40

 

 

 

Item 5

Other Information

40

 

 

 

Item 6

Exhibits

41

 

 

SIGNATURES

43

 

 

10-Q Certifications

 

 

 

Section 906 Certifications

 

 

 

 

1


 

 

CONSOLIDATED BALANCE SHEETS

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands of Dollars)

 

(Unaudited)

 

March 31,

2022

 

 

December 31,

2021

 

ASSETS

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

29,224

 

 

$

29,150

 

Federal funds sold and other

 

 

108,403

 

 

 

83,640

 

TOTAL CASH AND CASH EQUIVALENTS

 

 

137,627

 

 

 

112,790

 

Securities available for sale

 

 

1,463,626

 

 

 

1,427,677

 

Other investments

 

 

34,019

 

 

 

30,459

 

Loans held for sale

 

 

1,904

 

 

 

4,545

 

Loans

 

 

2,304,971

 

 

 

2,331,082

 

Less allowance for credit losses

 

 

27,015

 

 

 

29,386

 

NET LOANS

 

 

2,277,956

 

 

 

2,301,696

 

Premises and equipment, net

 

 

37,105

 

 

 

37,520

 

Goodwill

 

 

94,240

 

 

 

94,240

 

Other intangibles, net

 

 

7,947

 

 

 

8,366

 

Bank owned life insurance

 

 

74,264

 

 

 

73,855

 

Other assets

 

 

77,167

 

 

 

51,601

 

TOTAL ASSETS

 

$

4,205,855

 

 

$

4,142,749

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing

 

$

963,143

 

 

$

916,237

 

Interest-bearing

 

 

2,690,668

 

 

 

2,630,998

 

Brokered time deposits

 

 

40,000

 

 

 

0

 

TOTAL DEPOSITS

 

 

3,693,811

 

 

 

3,547,235

 

Long-term borrowings

 

 

87,872

 

 

 

87,758

 

Other liabilities

 

 

30,286

 

 

 

35,324

 

TOTAL LIABILITIES

 

 

3,811,969

 

 

 

3,670,317

 

Commitments and contingent liabilities

 

 

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

 

 

Common Stock - Authorized 50,000,000 shares in 2022 and 2021; 35,128,962 shares issued in 2022 and 2021 and 34,007,677 and 33,898,237 shares outstanding in 2022 and 2021, respectively

 

 

304,670

 

 

 

306,123

 

Retained earnings

 

 

184,302

 

 

 

173,896

 

Accumulated other comprehensive income

 

 

(79,500

)

 

 

9,295

 

Treasury stock, at cost; 1,121,285 and 1,230,725 shares in 2022 and 2021, respectively

 

 

(15,586

)

 

 

(16,882

)

TOTAL STOCKHOLDERS' EQUITY

 

 

393,886

 

 

 

472,432

 

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

 

$

4,205,855

 

 

$

4,142,749

 

 

See accompanying notes

 

 

 

2


 

 

CONSOLIDATED STATEMENTS OF INCOME

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands except Per Share Data)

 

 

 

For the Three Months Ended

 

(Unaudited)

 

March 31,

2022

 

 

March 31,

2021

 

INTEREST AND DIVIDEND INCOME

 

 

 

 

 

 

 

 

Loans, including fees

 

$

25,562

 

 

$

23,805

 

Taxable securities

 

 

4,587

 

 

 

1,719

 

Tax exempt securities

 

 

2,952

 

 

 

2,074

 

Dividends

 

 

130

 

 

 

121

 

Federal funds sold and other interest income

 

 

48

 

 

 

71

 

TOTAL INTEREST AND DIVIDEND INCOME

 

 

33,279

 

 

 

27,790

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

Deposits

 

 

1,244

 

 

 

2,226

 

Short-term borrowings

 

 

1

 

 

 

4

 

Long-term borrowings

 

 

792

 

 

 

293

 

TOTAL INTEREST EXPENSE

 

 

2,037

 

 

 

2,523

 

NET INTEREST INCOME

 

 

31,242

 

 

 

25,267

 

(Credit) provision for credit losses

 

 

(930

)

 

 

425

 

Provision for unfunded loans

 

 

572

 

 

 

0

 

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

 

 

31,600

 

 

 

24,842

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

Service charges on deposit accounts

 

 

1,145

 

 

 

808

 

Bank owned life insurance income, including death benefit

 

 

409

 

 

 

284

 

Trust fees

 

 

2,519

 

 

 

2,236

 

Insurance agency commissions

 

 

1,047

 

 

 

1,003

 

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

 

 

(11

)

 

 

488

 

Retirement plan consulting fees

 

 

397

 

 

 

320

 

Investment commissions

 

 

694

 

 

 

504

 

Net gains on sale of loans

 

 

1,129

 

 

 

2,900

 

Other mortgage banking income (loss), net

 

 

60

 

 

 

(115

)

Debit card and EFT fees

 

 

1,416

 

 

 

1,171

 

Legal settlement

 

 

8,400

 

 

 

0

 

Other operating income

 

 

493

 

 

 

533

 

TOTAL NONINTEREST INCOME

 

 

17,698

 

 

 

10,132

 

NONINTEREST EXPENSES

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

11,831

 

 

 

9,976

 

Occupancy and equipment

 

 

2,680

 

 

 

2,275

 

State and local taxes

 

 

678

 

 

 

554

 

Professional fees

 

 

3,135

 

 

 

1,056

 

Merger related costs

 

 

1,940

 

 

 

12

 

Advertising

 

 

392

 

 

 

260

 

FDIC insurance

 

 

267

 

 

 

170

 

Intangible amortization

 

 

420

 

 

 

316

 

Core processing charges

 

 

745

 

 

 

627

 

Charitable donation

 

 

6,000

 

 

 

0

 

Other operating expenses

 

 

2,368

 

 

 

2,071

 

TOTAL NONINTEREST EXPENSES

 

 

30,456

 

 

 

17,317

 

INCOME BEFORE INCOME TAXES

 

 

18,842

 

 

 

17,657

 

INCOME TAXES

 

 

2,998

 

 

 

3,101

 

NET INCOME

 

$

15,844

 

 

$

14,556

 

EARNINGS PER SHARE - basic

 

$

0.47

 

 

$

0.52

 

EARNINGS PER SHARE - fully diluted

 

$

0.47

 

 

$

0.51

 

 

See accompanying notes

 

3


 

 

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands of Dollars)

 

 

 

For the Three Months Ended

 

(Unaudited)

 

March 31,

2022

 

 

March 31,

2021

 

NET INCOME

 

$

15,844

 

 

$

14,556

 

Other comprehensive income:

 

 

 

 

 

 

 

 

Net unrealized holding losses on available for sale securities

 

 

(112,398

)

 

 

(14,934

)

Reclassification adjustment for (gains) realized in income

 

 

0

 

 

 

(383

)

Net unrealized holding losses

 

 

(112,398

)

 

 

(15,317

)

Income tax effect

 

 

23,605

 

 

 

3,217

 

Unrealized holding losses, net of reclassification and tax

 

 

(88,793

)

 

 

(12,100

)

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

 

 

(2

)

 

 

0

 

Other comprehensive loss, net of tax

 

 

(88,795

)

 

 

(12,100

)

TOTAL COMPREHENSIVE INCOME (LOSS)

 

$

(72,951

)

 

$

2,456

 

 

See accompanying notes

 

4


 

 

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

(Table Dollar Amounts in Thousands except Per Share Data)

 

<

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

 

Common

 

 

Retained

 

 

Comprehensive

 

 

Treasury

 

 

 

 

 

(Unaudited)

Stock

 

 

Earnings

 

 

Income (Loss)

 

 

Stock

 

 

Total

 

Balance December 31, 2021

$

306,123