← Bank First Corp
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $53.5m |
$77.9m
+45.77%
|
$89.2m
+14.40%
|
$100.7m
+12.94%
|
$98.4m
-2.30%
|
$116.5m
+18.45%
|
$182.5m
+56.59%
|
$206.4m
+13.11%
|
$221.7m
+7.42%
|
— | |
| Net gain on sales of mortgage loans | $895k | $617k | $1.4m | $5.3m | $7.4m | $1.6m | $897k | $1.3m | $1.8m | — | |
| Net gain on sales and valuations of OREO | ($49k) | $252k | ($73k) | $1.4m | ($20k) | $146k | $2.1m | ($694k) | ($159k) | — | |
| Total noninterest income | $9.8m | $11.5m | $12.6m | $23.5m | $23.5m | $19.8m | $58.1m | $19.7m | $22.2m | — | |
| Net interest income | $45.7m |
$63.1m
+37.95%
|
$69.7m
+10.41%
|
$86.8m
+24.64%
|
$90.1m
+3.74%
|
$104.1m
+15.54%
|
$133.5m
+28.24%
|
$137.8m
+3.24%
|
$151.7m
+10.06%
|
$186.7m
+23.08%
|
|
| Amortization of intangibles | $132k | $756k | $1.1m | $1.6m | $1.4m | $2.3m | $6.3m | $5.8m | $5.0m | $7.6m | |
| Total noninterest expense | $30.4m | $39.6m | $42.8m | $53.4m | $50.5m | $62.1m | $88.1m | $78.8m | $84.5m | — | |
| Total interest expense | $7.7m | $14.8m | $19.5m | $13.9m | $8.3m | $12.4m | $49.0m | $68.6m | $70.1m | — | |
| Net interest income after provision for credit losses | $44.7m |
$60.2m
+34.64%
|
$64.4m
+7.07%
|
$79.7m
+23.74%
|
$87.0m
+9.12%
|
$101.9m
+17.13%
|
$128.8m
+26.42%
|
$138.6m
+7.61%
|
$150.4m
+8.52%
|
$186.7m
+24.11%
|
|
| Gain on sale of UFS | — | — | — | — | — | — | $38.9m | — | — | — | |
| Income before provision for income taxes | $24.1m | $32.1m | $34.3m | $49.9m | $60.0m | $59.6m | $98.8m | $79.5m | $88.2m | — | |
| Provision for income taxes | $8.8m | $6.6m | $7.6m | $11.8m | $14.5m | $14.4m | $24.3m | $13.9m | $16.7m | — | |
| Net loss on sale of securities | — | — | — | ($3.2m) | $3k | — | $7.9m | $34k | — | — | |
| Net Income | $15.3m |
$25.5m
+66.24%
|
$26.7m
+4.86%
|
$38.0m
+42.53%
|
$45.4m
+19.44%
|
$45.2m
-0.51%
|
$74.5m
+64.80%
|
$65.6m
-12.01%
|
$71.5m
+9.05%
|
$80.7m
+12.87%
|
|
| Earnings per share - basic | $2.44 | $3.81 | $3.91 | $5.07 | $5.92 | $5.58 | $7.28 | $6.50 | $7.23 | $7.69 | |
| Earnings per share - diluted | $2.44 | $3.81 | $3.87 | $5.07 | $5.92 | $5.58 | $7.28 | $6.50 | $7.23 | $7.69 | |
| Loans, including fees | $48.9m | $72.1m | $82.9m | $95.3m | $93.4m | $107.0m | $168.8m | $189.0m | $203.7m | — | |
| Taxable | $1.8m | $2.9m | $3.1m | $3.4m | $2.8m | $5.9m | $8.5m | $10.3m | $11.3m | — | |
| Tax-exempt | $1.7m | $1.8m | $1.7m | $1.9m | $1.9m | $1.8m | $1.0m | $964k | $943k | — | |
| Other | $3.2m | $5.0m | $6.0m | $5.7m | $6.5m | $6.3m | $9.0m | $8.7m | $9.4m | — | |
| Deposits | $6.4m | $12.4m | $17.9m | $12.5m | $7.5m | $10.3m | $42.4m | $64.2m | $63.6m | — | |
| Securities sold under repurchase agreements | $272k | $399k | $461k | $114k | $10k | $542k | $1.8m | $22k | — | — | |
| Borrowed funds | $1.0m | $2.1m | $1.2m | $1.3m | $767k | $1.6m | $4.8m | $4.4m | $6.4m | — | |
| Provision for credit losses | — | — | — | — | $3.1m | $2.2m | $4.7m | ($800k) | $1.2m | — | |
| Service charges | $3.0m | $3.5m | $3.5m | $5.0m | $6.1m | $5.8m | $7.0m | $8.0m | $8.4m | — | |
| Income from Ansay | $1.7m | $2.1m | $1.8m | $2.7m | $2.6m | $2.6m | $2.9m | $3.5m | $3.9m | — | |
| Income from UFS, LLC ("UFS") | $2.4m | $2.6m | $2.9m | $3.1m | $2.6m | $3.1m | $2.3m | — | — | — | |
| Loan servicing income | $1.2m | $1.5m | $550k | $1.4m | $3.8m | $1.9m | $2.9m | $2.9m | $2.9m | — | |
| Valuation adjustment on MSR | — | — | — | ($945k) | $1.3m | $2.9m | $395k | ($299k) | $281k | — | |
| Salaries, commissions, and employee benefits | $16.6m | $21.5m | $22.9m | $27.3m | $28.5m | $33.2m | $40.4m | $40.9m | $42.5m | — | |
| Occupancy | $3.1m | $3.5m | $3.9m | $4.7m | $4.2m | $5.5m | $5.7m | $6.0m | $7.8m | $9.5m | |
| Data processing | $2.9m | $3.6m | $4.5m | $5.5m | $5.3m | $6.3m | $8.0m | $9.7m | $10.3m | — | |
| Postage, stationery, and supplies | $452k | $620k | $591k | $872k | $713k | $771k | $1.1m | $885k | $950k | — | |
| Advertising | $183k | $220k | $268k | $226k | $227k | $271k | $326k | $313k | $176k | — | |
| Charitable contributions | $495k | $985k | $566k | $574k | $534k | $718k | $944k | $793k | $972k | — | |
| Federal deposit insurance | — | — | — | — | — | $1.1m | $1.8m | $1.9m | $2.3m | — | |
| Outside service fees | $3.3m | $3.1m | $3.0m | $4.1m | $3.1m | $6.7m | $6.3m | $4.6m | $5.2m | — |