Bankfinancial corp (BFIN)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Interest and dividend income
Loans, including fees

60,568

57,052

53,227

49,025

47,488

47,802

47,691

58,716

66,706

60,926

69,170

Securities

2,082

2,229

1,474

1,228

1,141

1,154

981

1,485

2,665

3,488

4,816

Other

2,758

2,006

1,478

675

333

393

720

526

337

522

123

Total interest income

65,408

61,287

56,179

50,928

48,962

49,349

49,392

60,727

69,708

64,936

74,109

Interest expense
Deposits

13,128

8,561

5,438

3,865

2,794

3,038

3,639

4,343

6,693

12,333

18,501

Borrowings

89

656

651

105

20

8

14

104

222

853

2,056

Borrowings

13,217

9,217

6,089

3,970

2,814

3,046

3,653

4,447

6,915

13,186

20,557

Net interest income

52,191

52,070

50,090

46,958

46,148

46,303

45,739

56,280

62,793

51,750

53,552

Provision for (recovery of) loan losses

3,825

145

-87

-239

-3,206

-736

-687

31,522

22,723

12,083

8,811

Net interest income after provision for (recovery of) loan losses

48,366

51,925

50,177

47,197

49,354

47,039

46,426

24,758

40,070

39,667

44,741

Noninterest income
Income from product and service

3,844

3,968

3,953

-

-

-

-

-

-

-

-

Loan servicing fees

451

439

326

-

-

-

-

-

-

-

-

Deposit service charges and fees

-

-

-

2,254

2,248

1,977

2,005

2,176

2,667

3,020

3,363

Loan fee income

-

-

-

2,052

2,143

2,238

2,250

2,393

2,425

1,868

1,816

Mortgage brokerage and banking fees

-

-

0

-

-

-

-

-

-

-

-

Fees and Commissions, Mortgage Banking and Servicing

149

257

215

-

-

-

-

-

-

-

-

Gain on sale of equity securities

295

3,558

0

-

-

-

-

-

-

-

-

Unrealized gains on equity securities

0

3,427

0

-

-

-

-

-

-

-

-

Insurance commissions and annuities income

-

-

-

302

386

431

474

510

659

775

715

Gain on sale of loans, net

-

-

-

75

102

158

1,469

841

340

501

699

Gain on sale of securities (includes $46 accumulated other comprehensive income reclassifications for unrealized net gains on available for sale securities for the year ended December 31, 2016)

-

-

-

46

0

-7

-

-

-

31

-988

Loss on disposal of other assets

0

93

0

-

-

-

-

-

-

-

-

Gain (Loss) on Disposition of Other Assets

-44

-

-

-

-

-

-

-

-

-

-

Trust and insurance commissions and annuities income

-

-

-

674

712

683

711

733

676

44

49

Loss on disposition of premises and equipment, net

-

-

-

-

-

-

-43

-156

-

-

-

Loss on disposition of premises and equipment, net

-

-

-

-

-

-

-

-

-19

-19

-40

Loan servicing fees

-

-

-

276

354

418

461

486

538

604

653

Amortization and impairment of servicing assets

-

-

-

112

140

143

168

320

267

475

-446

Bank Owned Life Insurance Income

136

174

265

207

194

235

313

438

626

430

-20

Bank-owned life insurance death benefit

0

1,389

0

-

-

-

-

-

-

-

-

Other

497

635

678

771

692

719

662

622

499

349

1,438

Noninterest Income

6,172

14,877

6,408

6,545

6,691

6,709

8,134

7,723

8,144

7,128

7,239

Noninterest expense
Compensation and benefits

21,266

22,987

21,767

22,755

22,222

22,874

26,195

25,791

26,106

26,339

29,046

Office occupancy and equipment

7,069

6,817

6,623

6,380

6,522

6,878

7,547

8,060

8,541

6,380

6,845

Advertising and public relations

657

848

1,004

870

991

1,107

925

733

895

1,277

1,321

Information technology

2,999

2,792

2,743

2,892

2,669

2,676

3,091

3,062

2,775

3,733

3,637

Supplies, telephone, and postage

1,316

1,433

1,366

1,364

1,586

1,579

1,697

1,840

1,829

1,596

1,819

Amortization of intangibles

61

184

496

523

550

578

605

633

1,689

1,595

-

Nonperforming asset management

105

353

340

-

-

-

-

-

-

-

-

Amortization of intangibles

-

-

-

-

-

-

-

-

-

-

1,690

Nonperforming asset management

-

-

-

399

681

838

2,638

5,211

4,431

3,342

770

Loss on sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-82

Operations of other real estate owned, net

52

432

923

846

1,063

1,408

1,613

7,491

6,335

3,972

1,191

Loss on impairment of securities

-

-

-

-

-

-

-

-

-

-

401

FDIC insurance premiums

127

437

587

755

904

1,416

1,913

1,779

1,441

2,126

2,225

Acquisition costs

-

-

-

-

-

-

-

-

1,761

81

-

Goowill Impairment

-

-

-

-

-

-

-

-

23,862

0

0

Other

3,962

3,453

4,542

4,758

4,757

5,097

5,038

4,990

4,870

3,408

3,704

Total noninterest expense

38,641

40,754

40,391

41,542

41,945

44,451

51,262

59,590

84,535

53,849

52,731

Income before income taxes

15,897

26,048

16,194

12,200

14,100

9,297

3,298

-27,109

-36,321

-7,054

-751

Income tax expense

4,225

6,706

7,190

4,698

5,425

-31,317

0

0

12,375

-2,747

-13

Net Income (Loss), Including Portion Attributable to Noncontrolling Interest

11,672

19,342

9,004

7,502

8,675

40,614

3,298

-27,109

-48,696

-4,307

-738

Basic earnings per common share (usd per share)

0.75

1.11

0.49

0.40

0.44

2.01

0.16

-1.36

-2.46

-0.22

-0.04

Earnings Per Share, Diluted

-

-

0.49

0.39

0.44

2.01

0.16

-1.36

-2.46

-0.22

-0.04

Weighted average common shares outstanding (shares)

15,594

17,434

18,279

18,987

19,918

20,177

20,020

19,888

19,770

19,664

19,698

Weighted Average Number of Shares Outstanding, Diluted

-

-

18,280

19,047

19,921

20,186

20,025

19,888

19,770

19,664

19,698

Loan Servicing [Member]
Trust

844

937

971

-

-

-

-

-

-

-

-