Bank of San Francisco (BSFO)

Bank of San Francisco Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	29.87	27.68	25.03	23.1	24.3	20.07
Interest Income on Investments	4.66	5.37	4.27	1.62	0.23	0.28
Total Interest Income	34.53	33.05	29.31	24.73	24.52	20.35
Interest Paid on Deposits	7.4	8.88	7.57	1.84	0.88	1.62
Interest Paid on Borrowings	0	0	0	0	0.2	0.21
Total Interest Expense	7.4	8.88	7.58	1.84	1.08	1.82
Net Interest Income	27.13	24.17	21.73	22.89	23.44	18.53
Net Interest Income Growth (YoY)	16.79%	11.21%	-5.05%	-2.35%	26.50%	28.14%
Other Non-Interest Income	0.12	0.23	0.27	0.06	0.08	0.13
Total Non-Interest Income	0.55	0.93	0.92	0.66	0.65	0.68
Non-Interest Income Growth (YoY)	-41.28%	0.91%	38.70%	1.80%	-4.54%	-15.90%
Revenues Before Loan Losses	27.68	25.1	22.66	23.55	24.09	19.21
Provision for Loan Losses	0.6	-0.18	0.29	3.12	0.1	2.73
Revenue	27.08	25.28	22.37	20.43	23.99	16.48
Revenue Growth (YoY)	14.08%	13.03%	9.47%	-14.85%	45.56%	10.75%
Salaries and Employee Benefits	11.19	9.95	7.73	7.33	6.95	6.11
Selling, General & Administrative	4.05	3.92	2.98	3.15	2.6	2.23
Other Non-Interest Expense	3.01	2.1	1.81	1.66	1.68	1.52
Total Non-Interest Expense	18.25	15.97	12.52	12.13	11.23	9.87
EBT Excluding Unusual Items	8.82	9.31	9.85	8.3	12.76	6.62
Pretax Income	8.82	9.31	9.85	8.3	12.76	6.62
Income Tax Expense	2.63	2.77	2.92	2.43	3.77	1.96
Net Income	6.19	6.54	6.93	5.86	8.99	4.66
Net Income to Common	6.19	6.54	6.93	5.86	8.99	4.66
Net Income Growth	-4.99%	-5.66%	18.22%	-34.78%	92.94%	14.80%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	1.57%	1.21%	1.38%	0.72%	0.34%	0.72%
EPS (Basic)	2.95	3.14	3.35	2.87	4.42	2.31
EPS (Diluted)	2.90	3.10	3.33	2.85	4.41	2.29
EPS Growth	-6.48%	-6.91%	16.84%	-35.37%	92.58%	13.93%
Effective Tax Rate	29.78%	29.76%	29.62%	29.34%	29.57%	29.59%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.