Company: BANFP
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0000950170-25-030159
Chunk: 170

Company: BANCFIRST CORP /OK/
Filing Date: 2025-02-28
Form: 10-K
Item: Item 1B
Chunk 170
---
. The following volume/rate analysis summarizes the relative contribution of each of these components to the changes in net interest income in 2024 and 2023.  See “Maturity and Rate Sensitivity of Loans” for additional discussion.

 34 

VOLUME/RATE ANALYSIS 

Taxable Equivalent Basis 

    Change in 2024

    Change in 2023

    Total

    Due toVolume(1)

    Due toRate

    Total

    Due toVolume(1)

    Due toRate

    (Dollars in thousands)

    INCREASE (DECREASE)

    Interest Income:

    Loans
     
    $
    87,475

    $
    43,089

    $
    44,386

    $
    131,212

    $
    34,533

    $
    96,679

    Securities—taxable

    (2,538
    )

    (3,152
    )

    614

    12,382

    5,164

    7,218

    Securities—tax exempt

    2

    (21
    )

    23

    (27
    )

    (22
    )

    (5
    )

    Federal funds sold and interest-bearing deposits with banks

    15,455

    10,759

    4,696

    60,555

    (18,805
    )

    79,360

    Total interest income

    100,394

    50,675

    49,719

    204,122

    20,870

    183,252

    Interest Expense:

    Money market and interest-bearing checking deposits

    38,926

    24,697

    14,229

    111,030

    3,148

    107,882

    Savings deposits

    6,681

    (294
    )

    6,975

    23,173

    (357
    )

    23,530

    Time deposits

    32,254

    12,675

    19,579

    18,878

    826

    18,052

    Short-term borrowings

    (77
    )

    (85
    )

    8

    252

    (28
    )