Financial insights of BFC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	203,659
Taxable	11,323
Tax-exempt	943
Other	5,790
Total interest income	221,715
Deposits	63,650
Borrowed funds	6,407
Total interest expense	70,057
Net interest income	151,658
Loans	1,200
Unfunded commitments	50
Provision for credit losses	1,250
Net interest income after provision for credit losses	150,408
Service charges	8,425
Income from ansay	3,915
Loan servicing income	2,948
Valuation adjustment on msr	-281
Net gain on sales of mortgage loans	1,803
Other	4,848
Total noninterest income	22,220
Salaries, commissions, and employee benefits	42,475
Occupancy	7,849
Data processing	10,255
Postage, stationery, and supplies	950
Net gain on sales and valuations of oreo	159
Advertising	176
Charitable contributions	972
Federal deposit insurance	2,310
Outside service fees	5,231
Amortization of intangibles	5,003
Other	9,396
Total noninterest expense	84,458
Income before provision for income taxes	88,170
Provision for income taxes	16,674
Net income	71,496

Basic EPS	7.23
Diluted EPS	7.23
Basic Average Shares	9,844,073
Diluted Average Shares	9,867,132