BankFinancial Corporation (BFIN)

BankFinancial Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	52.69	56.7	48.56	45.19	50.47	60.57
Interest Income on Investments	16.12	9.46	6.73	1.38	2.41	4.84
Total Interest Income	68.81	66.16	55.3	46.57	52.88	65.41
Interest Paid on Deposits	17.76	12.55	3.69	2.23	6.99	13.13
Interest Paid on Borrowings	1.86	1.77	0.79	0.57	-	0.09
Total Interest Expense	19.61	14.33	4.48	2.79	6.99	13.22
Net Interest Income	49.2	51.83	50.82	43.77	45.89	52.19
Net Interest Income Growth (YoY)	-7.85%	2.00%	16.09%	-4.61%	-12.08%	0.23%
Trust Income	1.55	1.28	1.15	1.14	0.96	0.84
Mortgage Banking Activities	-	-	-	0.04	0.1	0.15
Gain (Loss) on Sale of Assets	-0.12	-0.59	-	-	-	-0.04
Gain (Loss) on Sale of Investments	-	-0.45	-	-	-	0.3
Other Non-Interest Income	1.02	0.87	1.11	1.33	1.11	1.08
Total Non-Interest Income	5.84	4.42	5.53	5.69	5.37	6.17
Non-Interest Income Growth (YoY)	39.21%	-20.13%	-2.79%	6.02%	-13.06%	-53.92%
Revenues Before Loan Losses	55.04	56.25	56.35	49.46	51.25	58.36
Provision for Loan Losses	0.69	0.31	1.83	-1.24	0.06	3.83
Revenue	54.35	55.93	54.52	50.7	51.2	54.54
Revenue Growth (YoY)	-4.39%	2.60%	7.53%	-0.97%	-6.12%	-16.51%
Salaries and Employee Benefits	23.12	22.23	21.58	22.64	21.32	21.27
Occupancy Expenses	6.34	6.82	6.73	6.34	6.31	6.17
Federal Deposit Insurance	0.67	0.87	0.47	0.48	0.35	0.13
Amortization of Goodwill & Intangibles	-	-	-	-	-	0.06
Selling, General & Administrative	8.26	8.31	8.2	7.96	7.5	7.47
Other Non-Interest Expense	5.48	4.95	4.16	3.53	2.94	3.5
Total Non-Interest Expense	43.86	43.18	41.13	40.94	38.44	38.64
EBT Excluding Unusual Items	10.48	12.75	13.39	9.76	12.76	15.9
Pretax Income	10.48	12.75	13.84	9.76	12.76	15.9
Income Tax Expense	2.57	3.36	3.34	2.35	3.6	4.23
Net Income	7.92	9.39	10.49	7.41	9.16	11.67
Net Income to Common	7.92	9.39	10.49	7.41	9.16	11.67
Net Income Growth	-26.38%	-10.49%	41.62%	-19.13%	-21.50%	-39.65%
Basic Shares Outstanding	12	13	13	14	15	16
Diluted Shares Outstanding	12	13	13	14	15	16
Shares Change (YoY)	-1.79%	-3.43%	-6.84%	-6.16%	-4.12%	-10.55%
EPS (Basic)	0.63	0.74	0.80	0.53	0.61	0.75
EPS (Diluted)	0.63	0.74	0.80	0.53	0.61	0.75
EPS Growth	-25.03%	-7.31%	52.01%	-13.83%	-18.12%	-32.54%
Dividend Per Share	0.400	0.400	0.400	0.400	0.400	0.400
Dividend Growth	0%	0%	0%	0%	0%	8.11%
Effective Tax Rate	24.49%	26.34%	24.15%	24.06%	28.19%	26.58%

Source: S&P Capital IQ. Banks template. Financial Sources.