Bogota Financial Corp. (BSBK) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17
	10-K	10-K	10-K	10-K	10-K	S-1/A
Interest income
Loans, including fees	26.3	22.7	20.9	20.2	19.2

Securities
Taxable	3.5	1.9	1.6	1.8	1.9	1.7
Tax-exempt	0.2	0.1	0.1	0.1	0.1	0.1
Other interest-earning assets	0.4	0.4	0.8	1.0	0.8
Total interest income	30.3	25.1	23.3	23.1	22.0	20.4

Interest expense
Deposits	5.1	4.3	7.8	9.9	7.5
Total interest expense	5.1	4.3	7.8	12.0	8.8	6.5
Net interest income	35.5	29.3	31.0	11.2	13.2	13.9
(Recovery) provision for credit losses						0.1
Net interest income after ( recovery) provision for credit losses	22.7	19.4	13.4	11.2	13.2	13.8

Non-interest income
Fees and service charges	0.2	0.1	0.1	0.1	0.1
Gain (loss) on sale of loans	0.1	0.8
Bank-owned life insurance	0.7	1.4	1.0	0.4	0.5
Other	0.2	0.2	0.0	0.0	0.0
Total non-interest income	1.1	4.5	1.1	0.5	0.6	0.6

Non-interest expense
Salaries and employee benefits	8.4	7.7	5.1	4.9	4.5
Occupancy and equipment	1.4	1.3	0.7	0.7	0.7
FDIC insurance assessment	0.2	0.2	0.2	0.0	0.2
Data processing	1.1	1.0	0.7	0.9	1.0
Advertising				0.3
Professional fees				0.3	0.2

Contribution to charitable foundation
Other	1.3	1.2	0.7	0.7	0.8
Total non-interest expense	14.3	14.5	12.0	8.4	8.3	7.9
Income before income taxes	9.5	9.4
Income tax expense	2.6	1.9	0.4	0.9	1.4	2.6
Net income	6.9	7.5	2.1	2.4	4.1	3.9

Earnings per Share - basic	$0.51	$0.55	$0.17
Earnings per Share - diluted	$0.51	$0.54	$0.17
Weighted average shares outstanding- basic	13.6	13.7	12.2

Weighted average shares outstanding - diluted	13.6	13.9	12.2