BFIN · As filed with the SEC

BankFinancial cash flow statement, by quarter

The statement as BankFinancial presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

Consolidated Statements of Cash Flows (Unaudited) · USD thousands

USD thousands	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024^† 3 months ended Sep 30, 2024	Q2 2024^† 3 months ended Jun 30, 2024	Q1 2024 3 months ended Mar 31, 2024	Q4 2023^† 3 months ended Dec 31, 2023
Cash flows from operating activities
Net income	2,359^†	(359)^†	2,081	(1,764)^†	1,993^†	2,134^†	1,710	2,079^†
Adjustments to reconcile net income to net cash (used in) from operating activities
Provision for credit losses - loans	(210)^†	2,261^†	(261)	4,646^†	472^†	(98)^†	61	310^†
Recovery of credit losses - unfunded commitments	(55)^†	(9)^†	(35)	4^†	13^†	(24)^†	(49)	7^†
Depreciation and amortization	—	—	—	(623)^†	(24)^†	392^†	418	448^†
Depreciation and amortization (accretion)	(4,287)^†	(2,996)^†	(2,206)	—	(24)^†	392^†	—	—
Net change in net deferred loan origination costs	5^†	22^†	5	164^†	97^†	114^†	92	37^†
Losses on sales of securities	—	—	—	0^†	0^†	0^†	0	0^†
Valuation adjustment on bank premises held-for-sale	—	—	—	0^†	0^†	0^†	0	17^†
Loss on disposal of premises and equipment	21^†	4^†	5	20^†	20^†	9^†	75	0^†
Loss on sale of foreclosed assets	18^†	0^†	0	39^†	0^†	218^†	9	0^†
Foreclosed assets write-down	528^†	—	—	516^†	0^†	—	—	0^†
Foreclosed assets valuation adjustments	—	—	—	—	—	—	—	63^†
Loss on bank-owned life insurance	0^†	5^†	(4)	(24)^†	14^†	91^†	87	87^†
Gain on redemption of Subordinated notes	0^†	0^†	(42)	0^†	0^†	0^†	(107)	0^†
Net change in:
Accrued interest receivable	310^†	503^†	1,074	528^†	2,414^†	(1,634)^†	(167)	801^†
Other assets	(201)^†	121^†	439	(170)^†	(296)^†	(220)^†	499	487^†
Accrued interest payable and other liabilities	(1,087)^†	2,199^†	(1,673)	904^†	(1,707)^†	(689)^†	(2,619)	(680)^†
Net cash (used in) from operating activities	(2,599)^†	2,386^†	(617)	4,266^†	2,996^†	293^†	9	4,003^†
Cash flows (used in) from investing activities
Net change in interest-bearing time deposits in other financial institutions	—	—	—	—	12,908^†	(4,165)^†	(1,235)	—
Proceeds from maturities of interest-bearing time deposits in other financial institutions	8,429^†	16,306^†	5,452	17,859^†	16,364^†	5,704^†	—	—
Purchases of interest-bearing time deposits in other financial institutions	0^†	(2,717)^†	(5,158)	(6,942)^†	(7,683)^†	(20,278)^†	—	—
Proceeds from maturities	270,500^†	169,500^†	193,400	157,725^†	107,875^†	18,250^†	43,330	21,736^†
Proceeds from principal repayments	93^†	100^†	155	99^†	283^†	138^†	122	225^†
Proceeds from sale of securities	—	—	—	0^†	0^†	0^†	0	0^†
Purchases of securities	(366,081)^†	(245,706)^†	(187,056)	(251,913)^†	(139,030)^†	(10,000)^†	(124,985)	(49,151)^†
Net change in loans receivable	36,323^†	41,666^†	46,720	31,498^†	63,141^†	20,206^†	42,565	52,502^†
Bank-owned life insurance death benefit	—	—	—	—	—	—	—	0^†
Bank-owned life insurance death benefit	0^†	—	—	—	0^†	—	—	—
Proceeds from sale of foreclosed assets	150^†	1,097^†	106	59^†	0^†	216^†	485	0^†
Proceeds from sale of premises and equipment	0^†	0^†	0	0^†	0^†	1^†	536	0^†
Purchase of premises and equipment, net	(242)^†	(405)^†	(104)	(752)^†	(450)^†	(650)^†	(243)	(563)^†
Net cash (used in) from investing activities	(50,828)^†	(19,616)^†	53,515	(52,367)^†	63,568^†	32,428^†	(39,425)	25,241^†
Cash flows from (used in) financing activities
Deposits	26,423^†	(17,273)^†	15,390	18,129^†	(52,861)^†	(7,013)^†	(2,337)	(14,205)^†
Advance payments by borrowers for taxes and insurance	3,756^†	3,582^†	(2,004)	838^†	(2,116)^†	3,308^†	(1,982)	(6,185)^†
Proceeds from Federal Home Loan Bank advances	—	—	—	0^†	0^†	0^†	0	0^†
Repayments of Federal Home Loan Bank advances	(5,000)^†	0^†	(5,000)	0^†	(5,000)^†	0^†	—	0^†
Repurchase of Subordinated notes	0^†	0^†	(464)	0^†	0^†	0^†	(906)	0^†
Repurchase and retirement of common stock	0^†	0^†	0	0^†	0^†	0^†	(156)	(676)^†
Cash dividends paid on common stock	(1,246)^†	(1,246)^†	(1,246)	(1,247)^†	(1,246)^†	(1,246)^†	(1,247)	(1,255)^†
Net change in cash and cash equivalents	(29,494)^†	(32,167)^†	59,574	(30,381)^†	5,341^†	27,770^†	(46,044)	6,923^†
Beginning cash and cash equivalents	—	—	—	—	—	—	—	171,561
Beginning cash and cash equivalents	112,236	144,403	84,829	115,210	132,937	124,008	178,484	171,561
Ending cash and cash equivalents	82,742	112,236	144,403	84,829	138,278	151,778	132,440	178,484
Net cash from (used in) financing activities	23,933^†	(14,937)^†	6,676	17,720^†	(61,223)^†	(4,951)^†	(6,628)	(22,321)^†
Supplemental disclosures of cash flow information:
Interest paid	4,854^†	5,168^†	4,622	5,162^†	5,044^†	5,324^†	4,600	4,672^†
Income taxes paid	260^†	25^†	1	254^†	517^†	1,201^†	1	530^†
Income taxes refunded	—	—	—	4^†	0^†	—	—	2^†
Assets transferred to premises held-for-sale	—	—	—	0^†	0^†	0^†	0	0^†
Loans transferred to foreclosed assets	3^†	1,133^†	52	39^†	68^†	0^†	49	1,938^†
Due from broker	—	0^†	0	—	—	9,125^†	250	4,500^†
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities	0^†	—	—	0^†	0^†	—	—	1,354^†

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.

Data on this page was fetched Nov 6, 2026, 8:35 AM ET. The filing on SEC.gov is the record.