BankFinancial CORP BFIN Income Statement

Bankfinancial corp (BFIN)

Income statement / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
Other than Temporary Impairment Losses, Investments, Reclassification Adjustment of Noncredit Portion Included in Net Income, Availabe-for-sale Securities, before Tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest and dividend income
Loans, including fees
13,611	14,456	15,371	15,389	15,352	15,007	14,248	13,977	13,820	14,166	13,345	12,956	12,760	12,191	12,388	12,099	12,347	12,037	11,792	11,836	11,823	12,035	11,983	12,085	11,699	11,879	11,680	11,854	12,278	13,314	13,978	15,312	16,112	16,791	17,350	18,155	14,410	14,920	15,419
Securities
304	370	508	602	602	592	627	546	464	379	389	357	349	301	306	307	314	290	267	257	327	288	283	287	296	271	241	219	250	314	342	387	442	509	566	768	822	809	910
Other
738	906	749	531	572	547	498	497	464	502	387	336	253	251	151	175	98	84	88	100	61	90	102	110	91	146	186	203	185	173	148	125	80	70	74	77	116	163	122
Total interest income
14,653	15,732	16,628	16,522	16,526	16,146	15,373	15,020	14,748	15,047	14,121	13,649	13,362	12,743	12,845	12,581	12,759	12,411	12,147	12,193	12,211	12,413	12,368	12,482	12,086	12,296	12,107	12,276	12,713	13,801	14,468	15,824	16,634	17,370	17,990	19,000	15,348	15,892	16,451
Interest expense
Deposits
2,684	3,105	3,385	3,417	3,221	2,929	2,278	1,829	1,525	1,535	1,419	1,304	1,180	1,116	1,012	950	787	726	695	689	684	711	744	773	810	840	880	933	986	1,035	1,010	1,084	1,214	1,351	1,593	1,849	1,900	2,959	3,434
Borrowings
0	0	1	2	86	114	130	210	202	207	196	152	96	32	2	2	69	12	4	2	2	3	2	1	2	2	2	2	8	24	26	28	26	29	36	61	96	179	243
Borrowings
2,684	3,105	3,386	3,419	3,307	3,043	2,408	2,039	1,727	1,742	1,615	1,456	1,276	1,148	1,014	952	856	738	699	691	686	714	746	774	812	842	882	935	994	1,059	1,036	1,112	1,240	1,380	1,629	1,910	1,996	3,138	3,677
Net interest income
11,969	12,627	13,242	13,103	13,219	13,103	12,965	12,981	13,021	13,305	12,506	12,193	12,086	11,595	11,831	11,629	11,903	11,673	11,448	11,502	11,525	11,699	11,622	11,708	11,274	11,454	11,225	11,341	11,719	12,742	13,432	14,712	15,394	15,990	16,361	17,090	13,352	12,754	12,774
Provision for (recovery of) loan losses
471	89	-134	3,957	-87	403	-23	23	-258	-72	-225	49	161	-539	-525	1,315	-490	-1,038	-956	-488	-724	-756	-1,413	957	476	-1,178	-437	206	722	24,328	4,453	1,745	996	9,740	7,384	3,175	2,424	419	2,665
Net interest income after provision for (recovery of) loan losses
11,498	12,538	13,376	9,146	13,306	12,700	12,988	12,958	13,279	13,377	12,731	12,144	11,925	12,134	12,356	10,314	12,393	12,711	12,404	11,990	12,249	12,455	13,035	10,751	10,798	12,632	11,662	11,135	10,997	-11,586	8,979	12,967	14,398	6,250	8,977	13,915	10,928	12,335	10,109
Noninterest income
Income from product and service
887	957	983	974	930	998	1,003	989	978	-	1,018	996	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan servicing fees
63	273	99	56	23	208	71	90	70	-	89	63	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deposit service charges and fees
-	-	-	-	-	-	-	-	-	-	-	-	950	563	583	541	567	603	648	532	465	539	527	472	439	477	520	509	499	550	548	521	557	663	699	691	614	776	792
Loan fee income
-	-	-	-	-	-	-	-	-	-	-	-	60	574	478	505	495	505	502	601	535	561	563	593	521	537	571	604	538	1,251	374	383	385	1,249	381	413	382	482	500
Mortgage brokerage and banking fees
29	-	28	21	28	-	46	109	71	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Fees and Commissions, Mortgage Banking and Servicing
-	-	-	-	-	-	-	-	-	43	41	87	44	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of equity securities
-	0	0	0	295	3,572	0	-14	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross gains
0	-	-	-	295	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Insurance commissions and annuities income
-	-	-	-	-	-	-	-	-	-	-	-	-	122	53	72	55	169	68	86	63	152	106	86	87	173	106	86	109	151	125	112	122	189	146	155	169	234	179
Gain on sale of loans, net
-	-	-	-	-	-	-	-	-	-	-	-	-	16	38	3	18	10	37	28	27	51	39	44	24	24	32	-4	1,417	246	210	118	267	199	83	39	19	202	68
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)
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	46	0	0	0	0	0	0	0	-7	-	0	0	0	-	-	-	-	-	-	-	-	-	31
Loss on disposal of other assets
-	19	0	0	-19	0	0	93	0	-	0	0	-	-	-	-	-	-	-	-1	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (Loss) on Disposition of Other Assets
-2	-25	0	0	-19	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sales of equity securities
-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Trust and insurance commissions and annuities income
282	-	198	224	205	-	207	250	213	-	210	245	249	182	167	165	160	183	172	183	174	178	171	170	164	175	172	183	181	188	171	190	184	185	199	216	76	11	12
Loss on disposition of premises and equipment, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	3	2	-43	0	0	0	-	-	-	-	-	-	-	-	-	-
Loss on disposition of premises and equipment, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7	-157	-	0	1	-10	-10	-2	-17
Loan servicing fees
-	-	-	-	-	-	-	-	-	-	-	-	-	62	66	75	73	83	85	96	90	108	102	104	104	112	112	114	123	115	124	119	128	131	138	137	132	143	154
Amortization and impairment of servicing assets
-	-	-	-	-	-	-	-	-	-	-	-	-	16	28	37	31	33	50	32	25	31	32	44	36	16	43	76	33	85	55	98	82	267	105	-51	-54	-90	-78
Bank Owned Life Insurance Income
32	31	37	38	30	28	35	45	66	69	67	66	63	56	54	46	51	52	48	45	49	53	57	61	64	77	84	82	70	83	109	120	126	141	165	162	158	115	92
Bank-owned life insurance death benefit
-	-	0	0	-	-	0	1,389	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
107	123	129	113	132	143	208	143	141	152	198	150	178	218	226	167	160	184	199	151	158	163	215	171	170	149	183	205	125	135	232	110	145	131	156	127	85	87	79
Noninterest Income
1,398	1,648	1,474	1,426	1,624	8,674	1,570	3,094	1,539	1,634	1,623	1,607	1,544	1,777	1,637	1,537	1,594	1,757	1,709	1,689	1,536	1,769	1,748	1,660	1,532	1,665	1,737	1,703	3,029	2,642	1,831	1,418	1,832	2,831	1,863	1,879	1,571	1,958	1,812
Noninterest expense
Compensation and benefits
5,518	5,138	5,218	5,207	5,703	6,755	5,120	5,790	5,322	4,975	5,330	5,110	6,352	5,734	5,315	5,713	5,993	6,034	5,329	5,278	5,581	5,828	5,492	5,596	5,958	6,614	6,143	6,686	6,752	6,278	6,353	6,481	6,679	6,157	6,229	7,120	6,600	6,583	6,552
Office occupancy and equipment
1,800	1,726	1,877	1,621	1,845	1,795	1,629	1,662	1,731	1,709	1,693	1,599	1,622	1,611	1,487	1,635	1,647	1,620	1,537	1,670	1,695	1,651	1,687	1,626	1,914	1,997	1,797	1,805	1,948	2,019	1,904	2,105	2,032	3,092	1,845	1,736	1,868	1,723	1,609
Advertising and public relations
152	169	182	145	161	237	194	274	143	197	167	259	381	252	144	252	222	208	212	227	344	369	272	304	162	316	195	268	146	258	145	224	106	65	333	260	237	321	303
Information technology
822	855	716	736	692	726	717	708	641	673	638	679	753	762	707	699	724	687	686	657	639	672	674	691	639	697	817	819	758	509	880	825	848	-349	1,085	1,091	948	893	961
Professional Fees
263	-	-	-	306	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Supplies, telephone, and postage
300	288	310	319	399	363	341	396	333	339	337	358	332	346	345	297	376	397	393	385	411	410	394	384	391	463	382	400	452	716	372	362	390	565	450	439	375	391	406
Amortization of intangibles
14	14	13	14	20	21	20	21	122	122	123	122	129	129	129	129	136	136	136	136	142	143	143	143	149	150	149	150	156	157	156	157	163	-	-	-	-	-	-
Nonperforming asset management
40	-24	17	58	54	40	60	51	202	-	84	27	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of intangibles
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	470	470	382	399	399
Nonperforming asset management
-	-	-	-	-	-	-	-	-	-	-	-	104	99	89	127	84	239	244	108	90	219	418	97	104	607	682	655	694	1,126	1,728	1,117	1,240	1,430	1,267	1,279	455	821	355
Loss on sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-206	-107
Operations of other real estate owned, net
-17	30	19	47	-44	77	59	135	161	62	403	245	213	78	243	149	376	283	334	92	354	248	494	409	257	204	476	422	511	2,506	2,742	1,691	552	3,439	1,588	855	453	348	393
FDIC insurance premiums
34	0	-127	146	108	99	115	104	119	125	150	125	187	64	238	236	217	205	202	262	235	259	208	470	479	468	476	477	492	480	642	309	348	334	354	186	567	520	532
Acquisition costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	230	1,531	-	-
Other
702	645	1,284	1,179	854	24	1,170	1,074	1,185	991	1,275	1,083	1,193	1,119	1,215	1,269	1,155	1,360	1,159	1,216	1,022	1,142	1,375	1,262	1,318	1,276	1,243	1,080	1,439	2,029	1,110	773	1,078	2,058	1,016	957	839	985	753
Total noninterest expense
9,628	9,562	9,509	9,472	10,098	11,155	9,425	10,215	9,959	9,318	10,200	9,607	11,266	10,194	9,912	10,506	10,930	11,169	10,232	10,031	10,513	10,941	11,157	10,982	11,371	12,792	12,360	12,762	13,348	16,078	16,032	14,044	13,436	41,020	14,637	14,623	14,255	13,190	12,370
Income before income taxes
3,268	4,624	5,341	1,100	4,832	10,219	5,133	5,837	4,859	5,693	4,154	4,144	2,203	3,717	4,081	1,345	3,057	3,299	3,881	3,648	3,272	3,283	3,626	1,429	959	1,505	1,039	76	678	-25,022	-5,222	341	2,794	-31,939	-3,797	1,171	-1,756	1,103	-449
Income tax expense
850	1,234	1,417	293	1,281	2,803	1,396	1,207	1,300	4,702	594	1,572	322	1,458	1,573	514	1,153	1,183	1,532	1,424	1,286	-31,395	36	25	17	0	0	0	0	0	0	-457	457	15,110	-1,901	145	-979	366	-161
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest
2,418	3,390	3,924	807	3,551	7,416	3,737	4,630	3,559	991	3,560	2,572	1,881	2,259	2,508	831	1,904	2,116	2,349	2,224	1,986	34,678	3,590	1,404	942	1,505	1,039	76	678	-25,022	-5,222	798	2,337	-47,049	-1,896	1,026	-777	737	-288
Basic earnings per common share (usd per share)
0.16	0.22	0.26	0.05	0.22	0.43	0.22	0.26	0.20	0.05	0.20	0.14	0.10	0.13	0.13	0.04	0.10	0.11	0.12	0.11	0.10	1.72	0.17	0.07	0.05	0.08	0.05	0.00	0.03	-1.26	-0.26	0.04	0.12	-2.37	-0.10	0.05	-0.04	0.04	-0.01
Earnings Per Share, Diluted
-	-	0.26	0.05	-	-	0.22	0.26	0.20	0.05	0.20	0.14	0.10	0.12	0.13	0.04	0.10	0.11	0.12	0.11	0.10	1.72	0.17	0.07	0.05	0.08	0.05	0.00	0.03	-1.26	-0.26	0.04	0.12	-2.37	-0.10	0.05	-0.04	0.04	-0.01
Weighted average common shares outstanding (shares)
15,205	15,330	15,373	15,472	16,202	16,807	17,365	17,633	17,930	18,007	18,139	18,330	18,642	18,604	18,788	19,130	19,428	19,677	19,725	20,009	20,259	20,245	20,218	20,145	20,098	20,081	20,048	19,989	19,964	19,943	19,914	19,860	19,835	19,937	19,738	19,713	19,689	19,529	19,737
Weighted Average Number of Shares Outstanding, Diluted
-	-	15,373	15,472	-	-	17,365	17,633	17,931	18,003	18,140	18,330	18,647	18,837	18,789	19,130	19,431	19,675	19,731	20,013	20,265	20,239	20,235	20,160	20,110	20,092	20,054	19,990	19,964	19,942	19,914	19,860	19,836	19,936	19,738	19,715	19,689	19,586	19,737