Exhibit 99.1
BANKFINANCIAL CORPORATION
QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT
FOR THE LATEST FIVE QUARTERS
Note: Certain reclassifications have been made in the prior period’s financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period’s presentation.
The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected unaudited quarterly and period–end historical financial statements prepared in accordance with accounting principles generally accepted in the United States. BankFinancial Corporation is under no obligation to update, keep current, or continue to provide the information contained herein. This information is provided solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or establish any business relationships with BankFinancial Corporation or its subsidiary.
| 2025 | 2024 | |||||||||||||||||||
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PERFORMANCE MEASUREMENTS |
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Return on assets (ratio of net (loss) income to average total assets) (1) |
(0.10 | )% | 0.58 | % | (0.49 | )% | 0.56 | % | 0.58 | % | ||||||||||
Return on equity (ratio of net (loss) income to average equity) (1) |
(0.91 | ) | 5.31 | (4.43 | ) | 5.03 | 5.44 | |||||||||||||
Net interest rate spread (1) |
2.86 | 2.94 | 2.92 | 2.90 | 3.11 | |||||||||||||||
Net interest margin (TEB) (1) (2) |
3.43 | 3.50 | 3.49 | 3.47 | 3.67 | |||||||||||||||
Efficiency ratio (3) |
89.59 | 83.11 | 84.54 | 76.73 | 80.39 | |||||||||||||||
Noninterest expense to average total assets (1) |
3.33 | 3.05 | 3.13 | 2.82 | 3.03 | |||||||||||||||
Average interest–earning assets to average interest–bearing liabilities |
132.78 | 133.17 | 133.97 | 133.26 | 134.44 | |||||||||||||||
Number of full service offices |
18 | 18 | 18 | 18 | 18 | |||||||||||||||
Employees (full time equivalents) |
190 | 191 | 197 | 198 | 206 | |||||||||||||||
SUMMARY STATEMENT OF FINANCIAL CONDITION |
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ASSETS |
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Cash and due from other financial institutions |
$ | 17,739 | $ | 20,274 | $ | 20,647 | $ | 19,412 | $ | 19,505 | ||||||||||
Interest-bearing deposits in other financial institutions |
94,497 | 124,129 | 64,182 | 95,798 | 113,432 | |||||||||||||||
Interest-bearing time deposits in other financial institutions |
20,273 | 33,862 | 34,156 | 45,073 | 53,754 | |||||||||||||||
Securities, at fair value |
436,965 | 357,165 | 360,530 | 264,905 | 222,906 | |||||||||||||||
Loans receivable, net |
795,963 | 841,055 | 887,586 | 923,939 | 987,745 | |||||||||||||||
Foreclosed assets, net |
738 | 1,337 | 1,391 | 1,966 | 1,898 | |||||||||||||||
Stock in Federal Home Loan Bank and Federal Reserve Bank, at cost |
7,490 | 7,490 | 7,490 | 7,490 | 7,490 | |||||||||||||||
Premises and equipment, net |
22,385 | 22,464 | 22,889 | 22,674 | 22,765 | |||||||||||||||
Bank-owned life insurance |
17,757 | 18,305 | 18,301 | 18,277 | 18,291 | |||||||||||||||
Deferred taxes |
4,350 | 3,561 | 3,761 | 3,590 | 4,019 | |||||||||||||||
Other assets |
11,020 | 12,479 | 13,881 | 14,536 | 25,885 | |||||||||||||||
Total assets |
$ | 1,429,177 | $ | 1,442,121 | $ | 1,434,814 | $ | 1,417,660 | $ | 1,477,690 | ||||||||||
LIABILITIES AND STOCKHOLDERS’ EQUITY |
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Deposits |
$ | 1,215,658 | $ | 1,232,931 | $ | 1,217,541 | $ | 1,199,412 | $ | 1,252,273 | ||||||||||
Borrowings |
15,000 | 15,000 | 20,000 | 20,000 | 25,000 | |||||||||||||||
Subordinated notes, net of unamortized issuance costs |
18,263 | 18,253 | 18,736 | 18,726 | 18,715 | |||||||||||||||
Other liabilities |
24,214 | 18,442 | 22,160 | 20,414 | 24,224 | |||||||||||||||
Total liabilities |
1,273,135 | 1,284,626 | 1,278,437 | 1,258,552 | 1,320,212 | |||||||||||||||
Stockholders’ equity |
156,042 | 157,495 | 156,377 | 159,108 | 157,478 | |||||||||||||||
Total liabilities and stockholders’ equity |
$ | 1,429,177 | $ | 1,442,121 | $ | 1,434,814 | $ | 1,417,660 | $ | 1,477,690 | ||||||||||
|
(1) |
Annualized |
| (2) |
Calculated on a tax equivalent basis (“TEB”) assuming a federal income tax rate of 21% and an average state income tax rate of 9.5%. |
|
(3) |
The efficiency ratio represents noninterest expense, divided by the sum of net interest income and noninterest income. |
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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SUMMARY STATEMENT OF OPERATIONS |
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Total interest income |
$ | 16,129 | $ | 16,312 | $ | 16,687 | $ | 16,886 | $ | 17,655 | ||||||||||
Total interest expense |
4,864 | 4,817 | 5,010 | 5,225 | 5,079 | |||||||||||||||
Net interest income |
11,265 | 11,495 | 11,677 | 11,661 | 12,576 | |||||||||||||||
Provision for (recovery of) credit losses |
2,252 | (296 | ) | 4,650 | 485 | (122 | ) | |||||||||||||
Net interest income after provision for (recovery of) credit losses |
9,013 | 11,791 | 7,027 | 11,176 | 12,698 | |||||||||||||||
Noninterest income |
1,959 | 1,634 | 1,570 | 1,482 | 1,276 | |||||||||||||||
Noninterest expense |
11,848 | 10,912 | 11,199 | 10,084 | 11,135 | |||||||||||||||
(Loss) income before income tax |
(876 | ) | 2,513 | (2,602 | ) | 2,574 | 2,839 | |||||||||||||
Income tax (benefit) expense |
(517 | ) | 432 | (838 | ) | 581 | 705 | |||||||||||||
Net (loss) income |
$ | (359 | ) | $ | 2,081 | $ | (1,764 | ) | $ | 1,993 | $ | 2,134 | ||||||||
Basic and diluted (loss) earnings per common share |
$ | (0.03 | ) | $ | 0.17 | $ | (0.14 | ) | $ | 0.16 | $ | 0.17 | ||||||||
NONINTEREST INCOME AND EXPENSE |
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Noninterest Income |
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Deposit service charges and fees |
$ | 972 | $ | 884 | $ | 875 | $ | 915 | $ | 834 | ||||||||||
Loan servicing fees |
76 | 187 | 232 | 97 | 97 | |||||||||||||||
Trust insurance commissions and annuities income |
394 | 437 | 354 | 405 | 349 | |||||||||||||||
Loss on sale of premises and equipment |
(4 | ) | (5 | ) | (20 | ) | (20 | ) | (9 | ) | ||||||||||
(Loss) earnings on bank-owned life insurance |
(5 | ) | 4 | 24 | (14 | ) | (91 | ) | ||||||||||||
Bank-owned life insurance death benefit |
417 | — | — | — | — | |||||||||||||||
Gain on repurchase of Subordinated notes |
— | 42 | — | — | — | |||||||||||||||
Other |
109 | 85 | 105 | 99 | 96 | |||||||||||||||
Total noninterest income |
$ | 1,959 | $ | 1,634 | $ | 1,570 | $ | 1,482 | $ | 1,276 | ||||||||||
Noninterest Expense |
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Compensation and benefits |
$ | 5,565 | $ | 5,704 | $ | 5,710 | $ | 5,441 | $ | 5,943 | ||||||||||
Office occupancy and equipment |
1,790 | 2,047 | 1,689 | 1,532 | 1,861 | |||||||||||||||
Advertising and public relations |
232 | 130 | 177 | 117 | 112 | |||||||||||||||
Information technology |
985 | 1,015 | 934 | 971 | 1,049 | |||||||||||||||
Professional fees |
770 | 405 | 410 | 299 | 382 | |||||||||||||||
Supplies, telephone, and postage |
284 | 289 | 273 | 281 | 292 | |||||||||||||||
FDIC insurance premiums |
157 | 157 | 159 | 156 | 144 | |||||||||||||||
Other |
2,065 | 1,165 | 1,847 | 1,287 | 1,352 | |||||||||||||||
Total noninterest expense |
$ | 11,848 | $ | 10,912 | $ | 11,199 | $ | 10,084 | $ | 11,135 | ||||||||||
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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LOANS |
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One–to–four family residential real estate |
$ | 13,534 | $ | 14,090 | $ | 14,829 | $ | 15,634 | $ | 17,707 | ||||||||||
Multi-family residential real estate |
496,190 | 506,498 | 521,957 | 524,340 | 527,542 | |||||||||||||||
Nonresidential real estate |
103,062 | 104,610 | 108,153 | 109,799 | 109,635 | |||||||||||||||
Commercial loans and leases |
190,518 | 221,403 | 248,595 | 280,218 | 339,216 | |||||||||||||||
Consumer |
1,775 | 1,733 | 1,623 | 1,847 | 1,787 | |||||||||||||||
| 805,079 | 848,334 | 895,157 | 931,838 | 995,887 | ||||||||||||||||
Allowance for credit losses |
(9,116 | ) | (7,279 | ) | (7,571 | ) | (7,899 | ) | (8,142 | ) | ||||||||||
Loans, net |
$ | 795,963 | $ | 841,055 | $ | 887,586 | $ | 923,939 | $ | 987,745 | ||||||||||
LOAN ORIGINATIONS (1) |
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One–to–four family residential real estate |
$ | 414 | $ | 273 | $ | 336 | $ | 149 | $ | 268 | ||||||||||
Multi-family residential real estate |
2,615 | 2,144 | 3,311 | 4,837 | 14,177 | |||||||||||||||
Nonresidential real estate |
100 | — | 1,200 | 2,658 | 34 | |||||||||||||||
Commercial loans |
113,552 | 134,132 | 130,969 | 149,449 | 171,430 | |||||||||||||||
Equipment finance |
4,505 | 5,161 | 7,861 | 8,068 | 6,207 | |||||||||||||||
Consumer |
510 | 426 | 490 | 722 | 1,184 | |||||||||||||||
| $ | 121,696 | $ | 142,136 | $ | 144,167 | $ | 165,883 | $ | 193,300 | |||||||||||
Weighted average interest rate |
7.71 | % | 7.71 | % | 7.82 | % | 8.26 | % | 8.77 | % | ||||||||||
LOAN PAYMENTS and PAYOFFS (2) |
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One–to–four family residential real estate |
$ | 953 | $ | 1,013 | $ | 1,126 | $ | 2,280 | $ | 823 | ||||||||||
Multi-family residential real estate |
11,526 | 17,477 | 5,713 | 8,094 | 12,387 | |||||||||||||||
Nonresidential real estate |
1,625 | 3,538 | 2,712 | 2,619 | 711 | |||||||||||||||
Commercial loans |
122,851 | 140,783 | 135,351 | 171,276 | 165,347 | |||||||||||||||
Equipment finance |
25,994 | 25,668 | 30,402 | 44,315 | 33,140 | |||||||||||||||
Consumer |
508 | 532 | 592 | 722 | 682 | |||||||||||||||
| $ | 163,457 | $ | 189,011 | $ | 175,896 | $ | 229,306 | $ | 213,090 | |||||||||||
Weighted average interest rate |
7.15 | % | 7.10 | % | 7.28 | % | 7.69 | % | 8.17 | % | ||||||||||
|
(1) |
Loan originations include purchased loans, draws on revolving lines of credit and exclude loan renewals. |
|
(2) |
Loan payments and payoffs exclude loan renewals. |
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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CREDIT QUALITY: |
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Nonperforming Assets: |
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Nonaccrual loans: |
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One–to–four family residential real estate |
$ | 13 | $ | 107 | $ | 126 | $ | 34 | $ | 39 | ||||||||||
Multi–family residential real estate |
— | 1,395 | 1,453 | 1,458 | — | |||||||||||||||
Nonresidential real estate |
— | — | 393 | 393 | 380 | |||||||||||||||
Equipment finance |
9,206 | 14,911 | 14,960 | 20,446 | 20,395 | |||||||||||||||
Consumer |
— | — | 2 | — | — | |||||||||||||||
| 9,219 | 16,413 | 16,934 | 22,331 | 20,814 | ||||||||||||||||
Loans past due over 90 days still accruing |
2,226 | 1 | — | — | — | |||||||||||||||
Other foreclosed assets, net |
738 | 1,337 | 1,391 | 1,966 | 1,898 | |||||||||||||||
Nonperforming assets |
$ | 12,183 | $ | 17,751 | $ | 18,325 | $ | 24,297 | $ | 22,712 | ||||||||||
Asset Quality Ratios |
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Nonperforming assets to total assets |
0.85 | % | 1.23 | % | 1.28 | % | 1.71 | % | 1.54 | % | ||||||||||
Nonperforming loans to total loans (1) |
1.42 | 1.93 | 1.89 | 2.40 | 2.09 | |||||||||||||||
Nonperforming commercial-related loans to total commercial-related loans (2) |
1.45 | 1.96 | 1.91 | 2.44 | 2.13 | |||||||||||||||
Nonperforming residential and consumer loans to total residential and consumer loans |
0.09 | 0.68 | 0.78 | 0.19 | 0.20 | |||||||||||||||
Allowance for credit losses to nonperforming loans |
79.65 | 44.35 | 44.71 | 35.37 | 39.12 | |||||||||||||||
Concentrations of Credit |
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Commercial real estate for FFIEC concentration limits |
$ | 584,046 | $ | 595,943 | $ | 613,914 | $ | 616,985 | $ | 621,628 | ||||||||||
% FFIEC total capital |
341.81 | % | 352.64 | % | 368.12 | % | 361.51 | % | 359.51 | % | ||||||||||
Multi–family mortgage loans - 50% risk based capital qualified (included above) |
$ | 199,859 | $ | 242,644 | $ | 254,850 | $ | 253,491 | $ | 269,868 | ||||||||||
% FFIEC total capital |
116.97 | % | 143.58 | % | 152.82 | % | 148.53 | % | 156.07 | % | ||||||||||
|
(1) |
Nonperforming loans include nonaccrual loans and loans past due 90 days and still accruing. |
|
(2) |
Commercial-related loans include multi-family mortgage, nonresidential real estate, and commercial loans and leases. |
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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SUBSTANDARD PERFORMING LOANS |
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One–to–four family residential real estate |
$ | 217 | $ | 175 | $ | 218 | $ | 164 | $ | 167 | ||||||||||
Multi–family residential real estate |
8,492 | 9,000 | 1,168 | 686 | 1,421 | |||||||||||||||
Nonresidential real estate |
420 | 433 | 441 | 449 | 457 | |||||||||||||||
Commercial loans and leases |
2,184 | 2,230 | 2,628 | 4,700 | 3,154 | |||||||||||||||
Consumer |
4 | 3 | 4 | 3 | 3 | |||||||||||||||
| $ | 11,317 | $ | 11,841 | $ | 4,459 | $ | 6,002 | $ | 5,202 | |||||||||||
ALLOWANCE FOR CREDIT LOSSES |
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Beginning balance |
$ | 7,279 | $ | 7,571 | $ | 7,899 | $ | 8,142 | $ | 8,249 | ||||||||||
Charge–offs: |
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Multi–family residential real estate |
(297 | ) | — | (5 | ) | — | — | |||||||||||||
Commercial loans and leases |
(133 | ) | (36 | ) | (4,968 | ) | (731 | ) | (10 | ) | ||||||||||
Consumer |
(4 | ) | (10 | ) | (7 | ) | (12 | ) | (12 | ) | ||||||||||
| (434 | ) | (46 | ) | (4,980 | ) | (743 | ) | (22 | ) | |||||||||||
Recoveries: |
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One–to–four family residential real estate |
3 | 2 | 1 | 22 | 2 | |||||||||||||||
Multi–family residential real estate |
3 | 2 | 2 | 6 | 4 | |||||||||||||||
Commercial loans and leases |
3 | 10 | 2 | — | 7 | |||||||||||||||
Consumer |
1 | 1 | 1 | — | — | |||||||||||||||
| 10 | 15 | 6 | 28 | 13 | ||||||||||||||||
Net charge–offs |
(424 | ) | (31 | ) | (4,974 | ) | (715 | ) | (9 | ) | ||||||||||
Provision for (recovery of) credit losses - loans |
2,261 | (261 | ) | 4,646 | 472 | (98 | ) | |||||||||||||
Ending balance |
$ | 9,116 | $ | 7,279 | $ | 7,571 | $ | 7,899 | $ | 8,142 | ||||||||||
Allowance for credit losses to total loans |
1.13 | % | 0.86 | % | 0.85 | % | 0.85 | % | 0.82 | % | ||||||||||
Net charge–offs ratio (1) |
(0.21 | ) | (0.01 | ) | (2.19 | ) | (0.30 | ) | — | |||||||||||
|
(1) |
Annualized |
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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DEPOSITS |
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Noninterest–bearing demand |
$ | 222,444 | $ | 231,935 | $ | 238,826 | $ | 226,882 | $ | 262,585 | ||||||||||
Interest–bearing NOW accounts |
275,181 | 288,857 | 277,059 | 276,551 | 287,668 | |||||||||||||||
Money market accounts |
303,014 | 308,924 | 305,538 | 306,679 | 311,276 | |||||||||||||||
Savings deposits |
159,623 | 164,323 | 161,139 | 160,815 | 167,250 | |||||||||||||||
Certificates of deposit - retail |
255,396 | 238,892 | 234,979 | 228,485 | 223,494 | |||||||||||||||
| $ | 1,215,658 | $ | 1,232,931 | $ | 1,217,541 | $ | 1,199,412 | $ | 1,252,273 | |||||||||||
SELECTED AVERAGE BALANCES |
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Total average assets |
$ | 1,424,707 | $ | 1,432,964 | $ | 1,430,554 | $ | 1,430,931 | $ | 1,470,076 | ||||||||||
Total average interest–earning assets |
1,356,970 | 1,363,715 | 1,361,554 | 1,359,833 | 1,399,280 | |||||||||||||||
Average loans |
825,988 | 870,896 | 908,908 | 964,827 | 1,010,123 | |||||||||||||||
Average securities |
406,023 | 347,092 | 308,981 | 252,735 | 242,591 | |||||||||||||||
Average stock in FHLB & FRB |
7,490 | 7,490 | 7,490 | 7,490 | 7,490 | |||||||||||||||
Average other interest–earning assets |
117,469 | 138,237 | 136,175 | 134,781 | 139,076 | |||||||||||||||
Total average interest–bearing liabilities |
1,021,963 | 1,024,008 | 1,016,350 | 1,020,434 | 1,040,842 | |||||||||||||||
Average interest–bearing deposits |
988,704 | 986,215 | 977,619 | 977,529 | 997,132 | |||||||||||||||
Average borrowings and Subordinated notes |
33,259 | 37,793 | 38,731 | 42,905 | 43,710 | |||||||||||||||
Average stockholders’ equity |
157,599 | 156,891 | 159,454 | 158,540 | 156,785 | |||||||||||||||
SELECTED YIELDS AND COST OF FUNDS (1) |
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Total average interest–earning assets |
4.77 | % | 4.85 | % | 4.88 | % | 4.94 | % | 5.07 | % | ||||||||||
Average loans |
5.17 | 5.23 | 5.15 | 5.07 | 5.32 | |||||||||||||||
Average securities (TEB) (2) |
4.32 | 4.30 | 4.34 | 4.45 | 4.09 | |||||||||||||||
Average other interest–earning assets |
4.54 | 4.57 | 4.95 | 5.46 | 5.51 | |||||||||||||||
Total average interest–bearing liabilities |
1.91 | 1.91 | 1.96 | 2.04 | 1.96 | |||||||||||||||
Average interest–bearing deposits |
1.84 | 1.82 | 1.88 | 1.94 | 1.87 | |||||||||||||||
Average cost of total deposits |
1.50 | 1.47 | 1.52 | 1.57 | 1.49 | |||||||||||||||
Average cost of retail and commercial deposits |
1.84 | 1.82 | 1.88 | 1.94 | 1.87 | |||||||||||||||
Average cost of wholesale deposits, borrowings and Subordinated notes |
4.11 | 4.23 | 4.13 | 4.18 | 4.19 | |||||||||||||||
Average cost of funds |
1.57 | 1.56 | 1.60 | 1.66 | 1.58 | |||||||||||||||
Net interest rate spread |
2.86 | 2.94 | 2.92 | 2.90 | 3.11 | |||||||||||||||
Net interest margin (TEB) (2) |
3.43 | 3.50 | 3.49 | 3.47 | 3.67 | |||||||||||||||
|
(1) |
Annualized |
| (2) | Calculated on a tax equivalent basis assuming a federal income tax rate of 21% and an average state income tax rate of 9.5%. |
(Dollars in thousands; except per share) – (Unaudited)
| 2025 | 2024 | |||||||||||||||||||
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CAPITAL RATIOS |
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BankFinancial Corporation (1) |
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Equity to total assets (end of period) |
10.92 | % | 10.92 | % | 10.90 | % | 11.22 | % | 10.66 | % | ||||||||||
Risk–based total capital ratio |
24.30 | 23.57 | 21.79 | 21.56 | 20.52 | |||||||||||||||
Common Tier 1 (CET1) |
20.66 | 20.28 | 18.70 | 18.53 | 17.60 | |||||||||||||||
Risk–based tier 1 capital ratio |
20.66 | 20.28 | 18.70 | 18.53 | 17.60 | |||||||||||||||
Tier 1 leverage ratio |
10.83 | 10.91 | 10.90 | 11.11 | 10.75 | |||||||||||||||
Tier 1 capital |
$ | 154,159 | $ | 156,147 | $ | 155,832 | $ | 158,778 | $ | 157,984 | ||||||||||
BankFinancial, NA (2) |
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Risk–based total capital ratio |
22.95 | % | 22.02 | % | 20.08 | % | 19.96 | % | 19.31 | % | ||||||||||
Common Tier 1 (CET1) |
21.76 | 21.10 | 19.24 | 19.11 | 18.46 | |||||||||||||||
Risk–based tier 1 capital ratio |
21.76 | 21.10 | 19.24 | 19.11 | 18.46 | |||||||||||||||
Tier 1 leverage ratio |
11.44 | 11.38 | 11.23 | 11.48 | 11.32 | |||||||||||||||
Tier 1 capital |
$ | 161,946 | $ | 161,901 | $ | 159,779 | $ | 163,355 | $ | 165,368 | ||||||||||
COMMON STOCK AND DIVIDENDS |
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Stock Prices: |
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Close |
$ | 11.57 | $ | 12.64 | $ | 12.70 | $ | 12.18 | $ | 10.29 | ||||||||||
High |
12.93 | 13.58 | 13.97 | 12.56 | 10.70 | |||||||||||||||
Low |
11.17 | 11.53 | 11.36 | 10.01 | 9.60 | |||||||||||||||
Common shares outstanding |
12,460,678 | 12,460,678 | 12,460,678 | 12,460,678 | 12,460,678 | |||||||||||||||
Book value per share |
$ | 12.52 | $ | 12.64 | $ | 12.55 | $ | 12.77 | $ | 12.64 | ||||||||||
Cash dividends declared on common stock |
$ | 0.10 | $ | 0.10 | $ | 0.10 | $ | 0.10 | $ | 0.10 | ||||||||||
Dividend payout ratio |
(347.09 | )% | 59.88 | % | -70.64 | % | 62.52 | % | 58.39 | % | ||||||||||
Stock repurchases |
$ | — | $ | — | $ | — | $ | — | $ | — | ||||||||||
Stock repurchases – shares |
— | — | — | — | — | |||||||||||||||
EARNINGS PER SHARE COMPUTATIONS |
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Net (loss) income |
$ | (359 | ) | $ | 2,081 | $ | (1,764 | ) | $ | 1,993 | $ | 2,134 | ||||||||
Weighted average basic and dilutive common shares outstanding |
12,460,678 | 12,460,678 | 12,460,678 | 12,460,678 | 12,460,678 | |||||||||||||||
Basic and diluted (loss) earnings per common share |
$ | (0.03 | ) | $ | 0.17 | $ | (0.14 | ) | $ | 0.16 | $ | 0.17 | ||||||||
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(1) |
As a small bank holding company, the Company is exempt from the Federal Reserve Board's risk-based capital and leverage rules. BankFinancial Corporation capital data is included for informational purposes only. |
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(2) |
As a qualifying community bank pursuant to Section 201 of the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018, the Bank elected to adopt the Community Bank Leverage Ratio requirement in 2020. The Community Bank Leverage Ratio is equal to the Bank's Tier 1 Leverage Ratio. Other BankFinancial, NA capital data is included for informational purposes only. |