Bancfirst corp /ok/ (BANF)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
INTEREST INCOME
Loans, including fees

76,518

76,539

75,260

70,990

68,730

67,782

66,788

65,604

62,919

57,534

56,090

54,763

53,635

51,579

51,647

51,046

50,195

50,511

47,342

46,490

45,949

47,709

46,759

45,855

42,649

42,690

41,694

41,493

41,174

43,300

42,026

41,857

41,960

42,521

42,074

40,256

39,257

38,900

38,714

Securities:
Taxable

2,586

2,757

2,361

3,855

4,335

2,708

2,246

1,956

1,898

1,741

1,763

1,906

1,761

1,316

1,242

1,344

1,327

1,344

1,291

1,458

1,399

1,384

1,536

1,502

1,305

1,202

1,097

1,295

1,353

1,511

1,681

2,087

2,407

2,930

2,754

3,011

3,626

3,162

2,994

Tax-exempt

98

111

103

118

126

131

145

162

171

185

187

178

187

218

248

243

255

252

249

235

246

246

262

273

280

278

284

314

346

354

366

411

424

144

502

602

630

256

310

Federal funds sold

-

1

1

0

2

3

89

95

104

-

6

1

-

-

1

-

-

-

-

-

-

1

0

-4

5

0

0

1

1

1

0

0

1

7

0

20

21

1

0

Interest-bearing deposits with banks

4,769

6,781

8,704

8,135

7,748

9,131

8,165

7,325

5,782

5,240

4,972

4,425

3,440

2,286

1,968

1,852

1,802

1,128

1,009

1,066

1,062

1,093

1,112

1,096

1,090

1,086

1,031

970

977

1,096

1,071

1,061

973

946

930

886

775

552

618

Total interest income

83,971

86,189

86,429

83,098

80,941

79,755

77,433

75,142

70,874

64,754

63,018

61,273

59,023

55,399

55,106

54,485

53,579

53,249

49,891

49,249

48,656

50,429

49,669

48,726

45,329

45,256

44,106

44,073

43,851

46,262

45,144

45,416

45,765

46,548

46,260

44,775

44,309

42,871

42,636

INTEREST EXPENSE
Deposits

9,400

11,755

13,644

13,802

13,537

12,312

11,171

9,710

7,269

5,518

5,247

4,300

3,725

3,317

3,149

3,092

3,080

2,649

2,522

2,542

2,538

2,615

2,658

2,733

2,789

2,801

2,849

2,889

3,040

3,389

3,729

3,883

4,249

4,481

5,159

5,986

6,245

6,308

6,471

Short-term borrowings

7

3

7

12

10

10

42

8

35

4

6

4

3

2

2

2

1

1

1

1

1

3

6

5

2

2

1

1

2

5

7

8

8

25

26

3

4

1

1

Long-term borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

7

18

40

52

62

62

80

84

91

105

49

332

255

246

-

0

Junior subordinated debentures

491

492

491

492

491

545

547

544

535

533

532

530

527

527

524

523

522

492

492

491

491

492

491

492

491

492

492

491

491

491

492

565

586

609

525

525

525

491

494

Total interest expense

9,898

12,250

14,142

14,306

14,038

12,867

11,760

10,262

7,839

6,055

5,785

4,834

4,255

3,846

3,675

3,617

3,603

3,174

3,015

3,034

3,030

3,110

3,155

3,237

3,300

3,335

3,394

3,443

3,595

3,965

4,312

4,547

4,948

5,164

6,042

6,769

7,020

6,800

6,966

Net interest income

74,073

73,939

72,287

68,792

66,903

66,888

65,673

64,880

63,035

58,699

57,233

56,439

54,768

51,553

51,431

50,868

49,976

50,075

46,876

46,215

45,626

47,319

46,514

45,489

42,029

41,921

40,712

40,630

40,256

42,297

40,832

40,869

40,817

41,384

40,218

38,006

37,289

36,071

35,670

Provision for credit losses

19,583

1,412

2,758

2,433

1,684

1,516

747

1,225

314

3,323

3,276

1,841

72

1,672

2,940

2,804

4,103

3,646

1,424

1,271

1,334

1,840

-3,115

3,129

1,218

454

-12

516

300

2,446

233

248

173

829

885

2,013

788

469

871

Net interest income after provision for credit losses

54,490

72,527

69,529

66,359

65,219

65,372

64,926

63,655

62,721

55,376

53,957

54,598

54,696

49,881

48,491

48,064

45,873

46,429

45,452

44,944

44,292

45,479

49,629

42,360

40,811

41,467

40,724

40,114

39,956

39,851

40,599

40,621

40,644

40,555

39,333

35,993

36,501

35,602

34,799

NONINTEREST INCOME
Securities transactions (includes no accumulated other comprehensive income reclassifications)

50

-

-

821

-

10

-64

115

-14

-

-22

-330

-

52

-146

-65

100

2,148

0

5,392

1,729

822

284

85

450

79

90

129

122

272

385

226

4,032

224

50

1,316

8

156

-150

Gains reclassified from other comprehensive income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

177

-

Income from sales of loans

781

1,089

964

868

698

649

800

802

651

741

732

816

632

705

863

695

562

434

545

549

440

426

569

467

351

367

560

691

688

698

737

766

572

614

529

420

452

506

464

Insurance commissions

5,676

5,076

5,535

4,420

5,265

4,593

5,207

3,927

5,199

3,917

4,603

3,728

4,563

3,797

4,372

3,255

4,135

3,176

4,427

3,120

4,068

3,262

4,152

3,262

3,966

3,112

3,892

3,045

4,045

3,169

3,661

2,803

2,993

2,654

2,910

2,471

2,422

2,520

2,166

Cash management

4,320

4,258

4,430

4,402

3,776

3,338

3,383

3,381

3,021

2,798

2,804

2,799

2,754

2,713

2,853

2,732

2,318

1,899

1,906

1,886

1,819

1,683

1,770

1,703

1,585

1,581

1,620

1,626

1,423

1,553

1,971

2,041

1,939

1,890

1,848

1,927

1,765

1,653

1,640

Gain/(loss) on sale of other assets

86

-27

-1

-7

-4

227

195

127

26

-40

29

-25

-24

-15

2

55

4

-29

27

41

40

85

242

3

5

-7

49

34

217

5

26

323

20

-14

3

5

9

4

272

Other

1,773

1,517

1,343

1,209

1,426

1,457

1,896

1,152

1,445

1,239

1,307

1,653

1,430

1,296

1,265

1,298

1,323

1,514

1,214

1,215

1,506

1,345

1,315

1,416

1,596

1,459

1,744

1,269

1,798

1,287

1,513

1,351

1,567

1,286

1,612

1,470

1,735

1,337

1,170

Total noninterest income

35,145

35,524

35,627

34,077

32,001

31,851

32,801

30,437

30,110

32,833

29,169

27,983

28,085

27,431

27,927

26,057

25,617

26,473

25,324

28,715

25,296

24,302

24,938

23,611

23,562

22,235

23,652

21,733

22,535

21,800

22,116

20,364

23,437

19,435

20,117

19,679

17,730

18,163

17,010

NONINTEREST EXPENSE
Salaries and employee benefits

39,756

40,375

40,354

36,124

36,171

35,530

35,051

34,776

34,190

31,477

31,471

31,547

30,654

29,706

30,591

30,008

29,357

28,938

28,746

27,886

27,513

27,071

28,153

27,478

25,938

25,777

26,094

25,085

25,209

25,264

24,641

24,830

24,800

24,017

23,845

22,557

21,812

20,692

19,710

Occupancy, net

3,546

3,738

3,386

2,953

2,627

3,307

3,386

3,396

3,402

3,327

3,298

2,992

2,974

3,198

3,217

3,071

2,827

2,926

3,051

2,700

2,835

3,117

2,920

2,784

2,789

2,786

2,768

2,501

2,580

2,776

2,877

2,477

2,446

2,599

2,667

2,411

2,451

2,374

2,085

Depreciation

3,491

3,355

3,268

3,015

2,985

2,965

2,733

2,429

2,410

2,298

2,493

2,392

2,420

2,461

2,556

2,567

2,530

2,565

2,488

2,449

2,464

2,439

2,432

2,375

2,349

2,439

2,307

2,358

2,308

2,403

2,253

2,226

2,131

2,104

2,117

1,889

1,904

1,879

1,836

Amortization of intangible assets

964

1,007

842

758

759

777

740

759

733

547

547

547

547

548

560

580

581

602

444

445

444

444

444

458

408

374

424

424

443

456

457

457

457

456

458

377

377

267

268

Data processing services

1,692

1,634

1,467

1,262

1,480

1,140

1,418

1,195

1,203

1,252

1,110

1,097

1,195

1,229

1,178

1,174

1,215

1,151

1,132

1,179

1,117

1,151

1,183

1,185

1,170

1,198

1,173

1,229

1,185

1,173

1,208

1,158

1,283

1,222

1,302

1,168

1,250

1,022

1,024

Net income from other real estate owned

2,135

424

-26

-97

484

-130

-64

-19

-26

-101

-68

-202

-50

-197

-162

-35

1,141

-771

-51

184

314

194

173

-406

550

-436

105

643

122

178

200

922

247

124

965

775

-906

125

164

Marketing and business promotion

2,355

2,327

2,047

1,919

2,261

2,030

1,997

1,649

2,352

1,825

1,790

1,559

2,215

1,978

1,779

1,624

1,855

2,266

1,640

1,401

1,679

2,218

1,429

1,661

1,716

2,021

1,668

1,456

1,507

1,995

1,998

1,679

1,655

1,811

1,550

1,653

1,538

1,402

1,277

Deposit insurance

136

147

-81

544

533

571

597

640

619

578

553

542

588

569

641

855

839

876

820

836

826

835

810

873

773

768

750

742

743

761

745

724

719

698

786

764

1,426

1,310

1,574

Other

11,580

14,137

10,882

9,936

9,874

9,716

9,823

9,393

10,955

9,846

9,270

8,075

8,945

8,303

8,520

7,806

8,228

9,544

7,980

8,717

7,731

9,417

9,398

9,449

8,143

8,927

8,032

8,017

7,847

8,357

8,086

8,090

8,299

8,349

7,569

8,016

6,545

6,318

6,567

Total noninterest expense

61,385

66,296

62,191

56,608

56,206

56,166

55,809

54,256

55,890

51,251

50,600

48,953

49,588

48,189

49,204

47,720

46,291

49,011

46,352

45,429

44,923

46,886

46,942

45,857

43,836

43,854

43,321

42,455

41,944

43,363

42,465

42,563

42,037

41,380

41,259

39,610

36,397

35,389

34,505

Income before taxes

28,250

41,755

42,965

43,828

41,014

41,057

41,918

39,836

36,941

36,958

32,526

33,628

33,193

29,123

27,214

26,401

25,199

23,891

24,424

28,230

24,665

22,895

27,625

20,114

20,537

19,848

21,055

19,392

20,547

18,288

20,250

18,422

22,044

18,610

18,191

16,062

17,834

18,376

17,304

Income tax expense

5,642

6,248

9,597

9,661

9,177

8,332

9,035

9,250

7,321

17,461

10,816

10,446

11,143

10,503

9,232

8,908

8,620

8,163

8,794

9,677

8,406

7,146

8,832

5,426

5,880

19,115

-6,564

6,799

7,175

5,982

6,390

6,693

8,039

18,288

-5,638

5,947

6,479

6,589

6,262

Net income

22,608

35,507

33,368

34,167

31,837

32,725

32,883

30,586

29,620

19,497

21,710

23,182

22,050

18,620

17,982

17,493

16,579

15,728

15,630

18,553

16,259

15,749

18,793

14,688

14,657

13,861

14,491

12,593

13,372

12,306

13,860

11,729

14,005

11,598

12,553

10,115

11,355

11,787

11,042

NET INCOME PER COMMON SHARE
Basic

0.69

1.09

1.02

1.04

0.98

1.00

1.01

0.93

0.91

0.61

0.68

0.73

0.70

-0.50

0.58

1.12

1.07

-1.12

1.01

1.19

1.05

1.02

1.22

0.94

0.96

0.91

0.94

0.83

0.88

0.81

0.91

0.77

0.93

0.77

0.82

0.66

0.74

0.77

0.72

Diluted

0.68

1.07

1.00

1.02

0.96

0.98

0.98

0.91

0.89

0.59

0.67

0.71

0.68

-0.50

0.57

1.10

1.05

-1.09

0.98

1.17

1.03

0.99

1.19

0.92

0.94

0.88

0.93

0.82

0.86

0.79

0.90

0.76

0.91

0.75

0.81

0.65

0.72

0.75

0.71

OTHER COMPREHENSIVE GAIN
Unrealized gain on securities, net of tax of $(2,176) and $(868), respectively

6,425

-175

-26

3,254

2,540

2,533

-1,027

-541

-1,388

-2,414

-282

443

-178

-1,891

-670

546

591

-1,130

145

-453

1,111

-100

-332

980

65

39

-346

-1,593

-421

-120

-82

-541

-591

-847

430

1,976

-192

-126

805

Reclassification adjustment for (gains)/losses included in net income, net of tax of $0, $2 and $(7), respectively

-

-

-

-

-

-

7

-

-

-

-

-87

-

0

-52

0

61

-60

0

2,027

372

273

0

22

32

0

11

68

10

2,952

172

11

-1,342

-

-11

-544

-

177

98

Other comprehensive gain/(loss), net of tax of $(1,918), $141 and $854, respectively

-

-

-26

3,254

-

2,533

-1,034

-541

-1,388

-2,491

-282

530

-178

-1,891

-618

546

530

-1,070

145

-2,480

739

-373

-332

958

33

39

-357

-1,661

-431

-388

-254

-552

-1,933

-720

419

1,432

-192

-303

-

Comprehensive income

29,033

35,332

33,342

37,421

34,377

35,258

31,849

30,045

28,232

17,006

21,428

23,712

21,872

16,729

17,364

18,039

17,109

14,658

15,775

16,073

16,998

15,376

18,461

15,646

14,690

13,900

14,134

10,932

12,941

11,918

13,606

11,177

12,072

10,878

12,972

11,547

11,163

11,484

11,749

Trust Revenue [Member]
Revenue

3,655

3,682

3,490

3,250

3,177

3,023

3,281

3,396

3,129

3,073

3,083

2,894

2,952

2,878

2,685

2,602

2,465

2,254

2,295

2,200

2,342

2,334

2,380

2,315

2,151

2,029

2,122

2,015

1,906

1,858

1,927

1,823

1,707

1,675

1,779

1,631

1,587

1,774

1,547

Service Charges on Deposits [Member]
Revenue

18,804

19,938

19,866

19,114

17,663

18,554

18,103

17,537

16,653

16,693

16,633

16,448

15,778

16,005

16,033

15,485

14,710

15,077

14,910

14,312

13,352

14,345

14,226

14,360

13,458

13,615

13,575

12,924

12,336

12,958

11,896

11,031

10,607

11,096

11,386

10,449

9,752

10,036

9,901