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Peer Analysis

Performance Ratios (%) FISI Peer Median Peer Average
ROAA 1.05 1.13 1.12
ROAE 11.26 9.45 9.98
Net Interest Margin 3.19 3.68 3.61
Efficiency Ratio 59.92 57.48 57.53
Loans / Deposits 85.73 93.23 94.70
Asset Quality Ratios (%)
NPAs / Assets 0.15 0.61 0.64
NCOs / Avg Loans 0.33 0.12 0.15
Reserves / Loans 1.14 0.94 0.93
Reserves / NPAs 545.99 119.44 126.07
Capital Ratios (%)
Tier 1 Capital 10.34 12.60 12.85
Tangible Equity / Tangible Assets 7.50 8.89 9.07
Total Equity / Total Assets 9.21 11.13 11.19
Market Ratios
Price / Earnings (x) 10.47 15.06 15.33
Price / Book (%) 116.54 136.99 146.03
Dividend Yield (%) 3.50 2.75 2.71
Data for trailing four quarters

Financial Institutions, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), Arrow Financial Corporation (AROW), Bar Harbor Bankshares (BHB), Brookline Bancorp, Inc. (BRKL), Camden National Corporation (CAC), Chemung Financial Corporation (CHMG), City Holding Company (CHCO), CNB Financial Corporation (CCNE), First Busey Corporation (BUSE), First Commonwealth Financial Corporation (FCF), First Community Bankshares, Inc. (FCBC), First Financial Corporation (THFF), First Mid-Illinois Bancshares, Inc. (FMBH), German American Bancorp, Inc. (GABC), Great Southern Bancorp, Inc. (GSBC), Horizon Bancorp, Inc. (HBNC), Lakeland Bancorp, Inc. (LBAI), Midland States Bancorp, Inc. (MSBI), MidWestOne Financial Group, Inc. (MOFG), Nicolet Bankshares, Inc. (NCBS), Peoples Bancorp Inc. (PEBO), S&T Bancorp, Inc. (STBA), Tompkins Financial Corporation (TMP), United Community Financial Corp. (UCFC), Washington Trust Bancorp, Inc. (WASH)

Financial Institutions, Inc.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Nicolet Bankshares, Inc.'s financial data is as of 12/31/2018.