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BankFinancial CORP

SIC 6035 · Savings Institution, Federally Chartered
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BankFinancial CORP

CIK:0001303942|SEC Filings
v3.25.3
Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Loans, including fees $ 10,238 $ 12,300 $ 32,122 $ 39,002
Taxable 39 47 124 148
Tax exempt 5,244 2,572 12,603 6,024
Other 1,186 1,967 4,299 6,712
Total interest income 16,707 16,886 49,148 51,886
Interest expense        
Deposits 4,732 4,775 13,679 13,735
Borrowings and Subordinated notes 335 450 1,069 1,387
Total interest expense 5,067 5,225 14,748 15,122
Net interest income 11,640 11,661 34,400 36,764
Provision for credit losses - loans (210) 472 1,790 435
Recovery of credit losses - unfunded commitments (55) 13 (99) (60)
(Recovery of) provision for credit losses (265) 485 1,691 375
Net interest income after (recovery of) provision for credit losses 11,905 11,176 32,709 36,389
Noninterest income        
Deposit service charges and fees 1,000 915 2,856 2,558
Loan servicing fees [1] 82 97 345 350
Trust and insurance commissions and annuities income 314 405 1,145 1,204
Loss on disposal of premises and equipment (21) (20) (30) (104)
Loss on bank-owned life insurance [1] 0 (14) (1) (192)
Bank-owned life insurance death benefit (1) 0 0 417 0
Gain on repurchase of Subordinated notes [1] 0 0 42 107
Other [1] 328 99 522 296
Total noninterest income 1,703 1,482 5,296 4,219
Noninterest expense        
Compensation and benefits 4,389 5,441 15,658 17,436
Office occupancy and equipment 1,978 1,532 5,815 5,634
Advertising and public relations 133 117 495 319
Information technology 1,011 971 3,011 3,022
Professional fees 1,175 299 2,350 1,135
Supplies, telephone, and postage 282 281 855 859
FDIC insurance premiums 160 156 474 461
Other 1,650 1,287 4,880 4,119
Total noninterest expense 10,778 10,084 33,538 32,985
Income before income taxes 2,830 2,574 4,467 7,623
Income tax expense 471 581 386 1,786
Net income $ 2,359 $ 1,993 $ 4,081 $ 5,837
Basic and diluted earnings per common share (in dollars per share) $ 0.19 $ 0.16 $ 0.33 $ 0.47
Basic and diluted weighted average common shares outstanding (in shares) 12,460,678 12,460,678 12,460,678 12,463,127
[1] Not within the scope of ASC 606