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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

BEAR STATE FINANCIAL, INC. (BSF)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-17Dec-31-16Dec-31-15Dec-31-14Dec-31-13Dec-31-12Dec-31-11Dec-31-10
   10-K10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  79.170.957.039.516.217.620.025.0
        Interest income on investments  6.54.13.52.61.71.62.74.7
       86.375.460.842.518.419.823.129.8
    Interest expense:  
        Interest on deposits  7.06.55.34.53.34.36.49.2
       10.77.96.45.13.44.46.79.8
Net interest income  75.567.554.537.415.015.416.420.0
Provision for loan losses  4.52.51.81.6 0.00.97.0
Net interest income after provision for loan losses  71.065.052.735.815.015.415.513.0
        Deposit and loan fees  10.09.07.95.33.14.04.95.0
        Gain on sale of investments, net  0.00.00.00.00.00.5-0.41.2
        Other non-interest income  7.77.75.64.72.32.11.93.3
Total non-interest income  17.716.713.510.05.46.66.39.5
Non-interest expenses  54.557.351.042.119.721.240.927.0
Pre-tax income  34.324.315.23.70.70.8-19.0-5.0
Income taxes  13.06.94.6-20.60.00.00.0-0.5
            Tax rate  37.9%28.2%30.5% 1.5%0.0%0.0%9.5%
Net income  21.317.510.624.30.70.8-8.5-4.9
            Net margin  24.0%21.4%16.0%53.1%3.6%3.4%-39.1%-21.9%
   
Basic EPS  $0.57$0.46$0.31$0.86$0.03$0.04($0.67)($5.08)
Diluted EPS  $0.56$0.46$0.30$0.84$0.03$0.04($0.67)($5.08)
   
Shares outstanding (basic)  37.737.634.528.422.119.312.71.0
Shares outstanding (diluted)  37.937.834.728.923.220.612.71.0
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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