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
Cash flows from operating activities
Net income	2,359^†	(359)^†	2,081	(1,764)^†
Adjustments to reconcile net income to net cash (used in) from operating activities
Provision for credit losses - loans	(210)^†	2,261^†	(261)	4,646^†
Recovery of credit losses - unfunded commitments	(55)^†	(9)^†	(35)	4^†
Depreciation and amortization	—	—	—	(623)^†
Depreciation and amortization (accretion)	(4,287)^†	(2,996)^†	(2,206)	—
Net change in net deferred loan origination costs	5^†	22^†	5	164^†
Losses on sales of securities	—	—	—	0^†
Valuation adjustment on bank premises held-for-sale	—	—	—	0^†
Loss on disposal of premises and equipment	21^†	4^†	5	20^†
Loss on sale of foreclosed assets	18^†	0^†	0	39^†
Foreclosed assets write-down	528^†	—	—	516^†
Loss on bank-owned life insurance	0^†	5^†	(4)	(24)^†
Gain on redemption of Subordinated notes	0^†	0^†	(42)	0^†
Net change in:
Accrued interest receivable	310^†	503^†	1,074	528^†
Other assets	(201)^†	121^†	439	(170)^†
Accrued interest payable and other liabilities	(1,087)^†	2,199^†	(1,673)	904^†
Net cash (used in) from operating activities	(2,599)^†	2,386^†	(617)	4,266^†
Cash flows (used in) from investing activities
Proceeds from maturities of interest-bearing time deposits in other financial institutions	8,429^†	16,306^†	5,452	17,859^†
Purchases of interest-bearing time deposits in other financial institutions	0^†	(2,717)^†	(5,158)	(6,942)^†
Proceeds from maturities	270,500^†	169,500^†	193,400	157,725^†
Proceeds from principal repayments	93^†	100^†	155	99^†
Proceeds from sale of securities	—	—	—	0^†
Purchases of securities	(366,081)^†	(245,706)^†	(187,056)	(251,913)^†
Net change in loans receivable	36,323^†	41,666^†	46,720	31,498^†
Bank-owned life insurance death benefit	0^†	—	—	—
Proceeds from sale of foreclosed assets	150^†	1,097^†	106	59^†
Proceeds from sale of premises and equipment	0^†	0^†	0	0^†
Purchase of premises and equipment, net	(242)^†	(405)^†	(104)	(752)^†
Net cash (used in) from investing activities	(50,828)^†	(19,616)^†	53,515	(52,367)^†
Cash flows from (used in) financing activities
Deposits	26,423^†	(17,273)^†	15,390	18,129^†
Advance payments by borrowers for taxes and insurance	3,756^†	3,582^†	(2,004)	838^†
Proceeds from Federal Home Loan Bank advances	—	—	—	0^†
Repayments of Federal Home Loan Bank advances	(5,000)^†	0^†	(5,000)	0^†
Repurchase of Subordinated notes	0^†	0^†	(464)	0^†
Repurchase and retirement of common stock	0^†	0^†	0	0^†
Cash dividends paid on common stock	(1,246)^†	(1,246)^†	(1,246)	(1,247)^†
Net change in cash and cash equivalents	(29,494)^†	(32,167)^†	59,574	(30,381)^†
Beginning cash and cash equivalents	112,236	144,403	84,829	115,210
Ending cash and cash equivalents	82,742	112,236	144,403	84,829
Net cash from (used in) financing activities	23,933^†	(14,937)^†	6,676	17,720^†
Supplemental disclosures of cash flow information:
Interest paid	4,854^†	5,168^†	4,622	5,162^†
Income taxes paid	260^†	25^†	1	254^†
Income taxes refunded	—	—	—	4^†
Assets transferred to premises held-for-sale	—	—	—	0^†
Loans transferred to foreclosed assets	3^†	1,133^†	52	39^†
Due from broker	—	0^†	0	—
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities	0^†	—	—	0^†

† 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.