Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (Mark One) Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-26481 FINANCIAL INSTITUTIONS, INC. (Exact name of registrant as specified in its charter) NEW YORK 16-0816610 (Stat ...

Financial Institutions, Inc. (NASDAQ:FISI) Q4 2021 Earnings Conference Call February 1, 2022 8:30 AM ET Company Participants Shelly Doran - Director, Investor and External Communications Marty Birmingham - President & CEO Jack Plants - CFO Conference Call Participants Alex Twerdahl - Piper Sandler Bryce Rowe - Hovde Group Damon DelMonte - KBW Disclaimer*: This transcript is designed to be used alongside the freely available audio recording on this page. Timestamps within the transcript are designed to help ...

Rising to meet the challenge. FINANCIAL INSTITUTIONS, INC. (Nasdaq: FISI) Fourth Quarter and Year-End 2021 Earnings Presentation January 31, 2022 Safe Harbor Statement Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward- looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the ...

业绩总结 - 截至2021年9月30日，金融机构的总资产为56亿美元[2] - 第三季度净收入为1720万美元，比2020年增加490万美元[3] - 第三季度净利息收入为3830万美元，比2020年增加280万美元，增幅为7.8%[3] - 第三季度贷款总额为36.5亿美元，比2020年增加8540万美元，增幅为2.4%[3] - 第三季度的税前预备收入为2120万美元，比2020年增加190万美元[3] - 每股普通股账面价值同比增长9.9%[3] - 非利息收入为1210万美元，较2020年减少134000美元[6] - 非利息支出为2920万美元，较2020年增加694000美元[7] - 股息收益率为3.52%[2] - 2021年第三季度的净收入为1717.5万美元，年化后可用净收入为7029.4万美元[46] - 2021年第三季度的平均有形普通股权益回报率为16.50%[46] 用户数据 - 截至2021年9月30日，商业贷款组合总曝光为13亿美元，其中房地产和租赁占83.09%[19] - 消费者间接贷款组合截至2021年9月30日为9.405亿美元，占总贷款的25.7%，较2018年12月31日的29.8%有所下降[23] - 截至2021年9月30日，存款总额为49.75亿美元，年均增长率为12.4%[29] - 2021年公共存款占总存款的24%，相比2020年12月31日的20%有所增加[30] - 2021年第三季度的贷款与存款比率为73%[34] - 2021年第三季度的非公共存款为25.7亿美元，显示出强劲的流动性[34] 资本和资产质量 - 2021年第三季度的Tier 1资本比率为10.66%[36] - 2021年第三季度的总风险资本比率为13.54%[36] - 2021年第三季度的平均FICO评分为717，反映出良好的信用表现[23] - 截至2021年9月30日，公司的不良资产（NPA）为1390万美元，占总资产的0.28%[39] - 2021年第二季度的净冲销为200万美元，净冲销占平均贷款的0.06%[39] - 截至2021年9月30日，特定准备金为1130万美元，较2020年9月30日的140万美元显著增加[40] - 2020年第四季度，约127百万的商业贷款被降级为受批评状态，设立了470万美元的特定准备金[41] - 截至2021年9月30日，受COVID-19影响的信贷中，约108百万仍处于受批评或分类资产类别，特定准备金为670万美元[41]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-26481 Financial Institutions, Inc. (Exact name of registrant as specified in its charte ...

Financial Institutions, Inc. (NASDAQ:FISI) Q3 2021 Earnings Conference Call October 29, 2021 8:30 AM ET Company Participants Shelly Doran - Director, Investor and External Communications Marty Birmingham - President & CEO Jack Plants - CFO Justin Bigham - Chief Community Banking Officer Conference Call Participants Damon DelMonte - KBW Alex Twerdahl - Piper Sandler Bryce Rowe - Hovde Group Marla Backer - Sidoti Disclaimer*: This transcript is designed to be used alongside the freely available audio recordin ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-26481 Financial Institutions, Inc. (Exact name of registrant as specified in its charter) NE ...

Financial Institutions, Inc. (NASDAQ:FISI) Q2 2021 Results Conference Call July 30, 2021 8:30 AM ET Company Participants Shelly J. Doran - Director, Investor and External Communications Marty Birmingham - President and CEO Jack Plants - CFO Justin Bigham - Chief Community Banking Officer Mike Grover - Director of Financial Planning and Analysis Conference Call Participants Damon DelMonte - KBW Marla Backer - Sidoti Bryce Rowe - Hovde Group Alex Twerdahl - Piper Sandler Operator Good day, and welcome to the ...

Rising to meet the challenge. FINANCIAL INSTITUTIONS, INC. (Nasdaq: FISI) Second Quarter 2021 Earnings Presentation July 29, 2021 Safe Harbor Statement Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward- looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the objectives, pla ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-26481 Financial Institutions, Inc. (Exact name of registrant as specified in its charter) N ...