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Contact Information
Sound Financial Bancorp, Inc.
2400 3rd Avenue
Suite 150
Seattle, WA 98121
(206) 448-0884

Transfer Agent
Broadridge Corporate Issuer Solutions, Inc.
1717 Arch Street, Suite 1300
Philadelphia, PA 19103

Shareholder Inquiries:
1-877-830-4936
Fax: (215) 553-5402
E-mail: shareholder@broadridge.com
Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Interest Income 8,646 34,581 33,167 27,449 25,050
Interest Expense 1,918 7,617 5,360 3,368 2,919
Net Interest Income 6,728 26,964 27,807 24,081 22,131
FTE Net Interest Income NA NA NA NA NA
Provision for Loan Losses 250 (125) 525 500 454
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 0 0 0 0 0
Service Charges on Deposits 155 525 503 482 572
Gain on Sale of Loans (FAS 140) 318 1,449 1,038 1,071 1,366
Loan Fees & Charges (118) 242 562 566 907
Bank-owned Life Insurance Revenue 15 381 320 327 336
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage 0 0 0 0 0
Other Noninterest Income 339 1,429 1,373 1,413 1,936
Total Noninterest Income 709 4,026 3,796 3,859 5,117
Realized Gain on Securities 0 0 0 0 0
Nonrecurring Revenue 0 0 490 0 0
Compensation & Benefits 3,235 12,402 12,775 10,733 10,505
Occupancy & Equipment 497 2,060 2,139 1,889 1,526
Marketing and Promotion Expense NA 376 244 204 201
Professional Fees NA 1,008 654 316 NA
Tech & Communications Expense 570 2,104 1,919 1,736 1,784
Amrt of Intang & Goodwill Impair 7 51 153 NA 133
Foreclosure & Repo NA NA NA NA NA
Other Expense 1,637 4,784 4,939 4,369 4,572
Total Noninterest Expense 5,946 22,785 22,823 19,247 18,721
Nonrecurring Expense 0 0 0 0 0
Pre-Provision Net Revenue 1,491 8,205 8,780 8,693 8,527
Non-FTE Pre-Provision Net Revenue 1,491 8,205 8,780 8,693 8,527
Net Income before Taxes 1,241 8,330 8,745 8,193 8,073
Provision for Taxes 260 1,651 1,706 3,068 2,695
Effective Tax Rate(%) 20.95 19.82 19.51 37.45 33.38
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 981 6,679 7,039 5,125 5,378
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 981 6,679 7,039 5,125 5,378
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income 0 0 0 0 NA
Net Income Avail to Common 981 6,679 7,039 5,125 5,378
Net Income for Diluted EPS 981 6,679 7,039 5,125 NA
EPS after Extra($) 0.38 2.57 2.74 2 2.09
EPS after Extra Growth(%) (32.10) (6.20) 37 (4.30) 12.40
Pre-Provision Earnings per Share($) 0.46 2.49 2.70 2.21 2.15
Comprehensive Income
Net Income 981 6,679 7,039 5,125 5,378
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income (19) 61 5 28 (83)
Comprehensive Income 962 6,740 7,044 5,153 5,295
Interest Income Earned On:
Interest Earned on Loans 8,408 33,090 31,881 26,707 24,608
Int Inc: Securities NA NA NA NA NA
Int Inc: Other Earn Assets NA NA NA NA NA
Int Inc: Secs & Oth Earn Assets 238 1,491 1,286 742 442
Int Inc: Total Earn Assets 8,646 34,581 33,167 27,449 25,050
Interest Expense Incurred On:
Int Exp: CDs 1,534 5,555 2,765 2,113 2,032
Int Exp: Other Deposits 325 1,310 1,074 908 676
Int Exp: Total Deposits 1,859 6,865 3,839 3,021 2,708
Int Exp: Debt 59 752 1,521 347 211
Int Exp: Total Int-bearing Liab 1,918 7,617 5,360 3,368 2,919
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.