Call reports 2016
BANKFINANCIAL, NATIONAL ASSOCIATION — 2016
What BANKFINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,509,583,000 | 1,497,530,000 | 1,537,894,000 | 1,617,391,000 |
| Total loans | 1,241,901,000 | 1,216,468,000 | 1,250,142,000 | 1,321,079,000 |
| Allowance for loan losses | 9,416,000 | 8,915,000 | 8,334,000 | 8,127,000 |
| Securities available for sale | 25,504,000 | 24,322,000 | 22,998,000 | 21,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,283,228,000 | 1,300,831,000 | 1,339,165,000 | 1,365,008,000 |
| Interest-bearing deposits | 1,025,841,000 | 1,036,674,000 | 1,082,043,000 | 1,089,851,000 |
| Noninterest-bearing deposits | 257,387,000 | 264,157,000 | 257,122,000 | 275,157,000 |
| Equity capital | 185,768,000 | 172,499,000 | 175,121,000 | 176,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,829,000 | 25,461,000 | 38,369,000 | 51,241,000 |
| Interest expense | 980,000 | 2,058,000 | 3,198,000 | 4,473,000 |
| Net interest income | 11,849,000 | 23,403,000 | 35,171,000 | 46,768,000 |
| Noninterest income | 1,419,000 | 3,004,000 | 4,566,000 | 6,293,000 |
| Noninterest expense | 10,423,000 | 20,521,000 | 29,976,000 | 39,803,000 |
| Provision for loan losses | -490,000 | 825,000 | 300,000 | -239,000 |
| Pretax income | 3,381,000 | 5,107,000 | 9,507,000 | 13,543,000 |
| Income tax | 1,275,000 | 1,932,000 | 3,623,000 | 5,200,000 |
| Net income | 2,106,000 | 3,175,000 | 5,884,000 | 8,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,183,000 | 152,559,000 | 156,725,000 | 159,986,000 |
| Total capital | 174,605,000 | 161,482,000 | 165,066,000 | 168,113,000 |
| Risk-weighted assets | 1,102,904,000 | 1,069,889,000 | 1,085,008,000 | 1,142,321,000 |