Financial insights of BFC

MyFinsight

For the quarter ending 2025-09-30, BFC made $99,198K in revenue. $17,990K in net income. Net profit margin of 18.14%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	51,897	49,923
Taxable	2,764	2,787
Tax-exempt	234	233
Other	561	1,632
Total interest income	55,456	54,575
Deposits	15,772	16,199
Borrowed funds	1,431	1,674
Total interest expense	17,203	17,873
Net interest income	38,253	36,702
Provision for credit losses	650	200
Net interest income after provision for credit losses	37,603	36,502
Service charges	2,106	2,053
Income from ansay	1,314	1,153
Loan servicing income	736	733
Valuation adjustment on msr	-250	99
Net gain on sales of mortgage loans	482	338
Other	1,065	743
Total noninterest income	5,953	4,921
Salaries, commissions, and employee benefits	10,498	10,427
Occupancy	1,567	1,922
Data processing	2,506	2,620
Postage, stationery, and supplies	165	270
Advertising	78	61
Net gain on sales and valuations of oreo	-	159
Charitable contributions	143	274
Federal deposit insurance	540	630
Outside service fees	1,818	1,135
Amortization of intangibles	1,228	1,273
Other	2,543	2,303
Total noninterest expense	21,086	20,756
Income before provision for income taxes	22,470	20,667
Provision for income taxes	4,480	3,792
Net income	17,990	16,875

Basic earnings per common share	1.83	1.71
Diluted earnings per common share	1.83	1.71
Weighted average number of shares outstanding, basic	9,787,275	9,854,306
Weighted average number of shares outstanding, diluted	9,808,694	9,868,739