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	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	54.66	56.7	48.56	45.19	50.47	60.57
Interest Income on Investments	14.15	9.46	6.73	1.38	2.41	4.84
Total Interest Income	68.82	66.16	55.3	46.57	52.88	65.41
Interest Paid on Deposits	16.45	12.55	3.69	2.23	6.99	13.13
Interest Paid on Borrowings	1.88	1.77	0.79	0.57	-	0.09
Total Interest Expense	18.33	14.33	4.48	2.79	6.99	13.22
Net Interest Income	50.49	51.83	50.82	43.77	45.89	52.19
Net Interest Income Growth (YoY)	-7.11%	2.00%	16.09%	-4.61%	-12.08%	0.23%
Trust Income	1.44	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	-0.1	-0.59	-	-	-	-0.04
Gain (Loss) on Sale of Investments	-	-0.45	-	-	-	0.3
Other Non-Interest Income	0.95	0.87	1.11	1.33	1.11	1.08
Total Non-Interest Income	5.6	4.42	5.53	5.69	5.37	6.17
Non-Interest Income Growth (YoY)	31.97%	-20.13%	-2.79%	6.02%	-13.06%	-53.92%
Revenues Before Loan Losses	56.09	56.25	56.35	49.46	51.25	58.36
Provision for Loan Losses	0.34	0.31	1.83	-1.24	0.06	3.83
Revenue	55.75	55.93	54.52	50.7	51.2	54.54
Revenue Growth (YoY)	-3.29%	2.60%	7.53%	-0.97%	-6.12%	-16.51%
Salaries and Employee Benefits	23.04	22.23	21.58	22.64	21.32	21.27
Occupancy Expenses	6.85	6.82	6.73	6.34	6.31	6.17
Federal Deposit Insurance	0.73	0.87	0.47	0.48	0.35	0.13
Amortization of Goodwill & Intangibles	-	-	-	-	-	0.06
Selling, General & Administrative	8.38	8.31	8.2	7.96	7.5	7.47
Other Non-Interest Expense	5.56	4.95	4.16	3.53	2.94	3.5
Total Non-Interest Expense	44.57	43.18	41.13	40.94	38.44	38.64
EBT Excluding Unusual Items	11.18	12.75	13.39	9.76	12.76	15.9
Pretax Income	11.18	12.75	13.84	9.76	12.76	15.9
Income Tax Expense	2.89	3.36	3.34	2.35	3.6	4.23
Net Income	8.29	9.39	10.49	7.41	9.16	11.67
Net Income to Common	8.29	9.39	10.49	7.41	9.16	11.67
Net Income Growth	-28.54%	-10.49%	41.62%	-19.13%	-21.50%	-39.65%
Basic Shares Outstanding	13	13	13	14	15	16
Diluted Shares Outstanding	13	13	13	14	15	16
Shares Change (YoY)	-2.49%	-3.43%	-6.84%	-6.16%	-4.12%	-10.55%
EPS (Basic)	0.66	0.74	0.80	0.53	0.61	0.75
EPS (Diluted)	0.66	0.74	0.80	0.53	0.61	0.75
EPS Growth	-26.72%	-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	25.82%	26.34%	24.15%	24.06%	28.19%	26.58%

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