0001437749-20-015990.txt : 20200729 0001437749-20-015990.hdr.sgml : 20200729 20200729170536 ACCESSION NUMBER: 0001437749-20-015990 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20200729 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200729 DATE AS OF CHANGE: 20200729 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BankFinancial CORP CENTRAL INDEX KEY: 0001303942 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-51331 FILM NUMBER: 201057849 BUSINESS ADDRESS: STREET 1: 15W060 NORTH FRONTAGE ROAD CITY: BURR RIDGE STATE: IL ZIP: 60527 BUSINESS PHONE: (800) 894-6900 MAIL ADDRESS: STREET 1: 15W060 NORTH FRONTAGE ROAD CITY: BURR RIDGE STATE: IL ZIP: 60527 8-K 1 bfin20200514_8k.htm FORM 8-K bfin20200514_8k.htm
false 0001303942 0001303942 2020-07-29 2020-07-29
 
 
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
 
FORM 8-K
 
CURRENT REPORT
 
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
 
Date of Report (Date of earliest event reported): July 29, 2020
 
 
 
BANKFINANCIAL CORPORATION
(Exact Name of Registrant as Specified in Charter)
 
 
 
Maryland
0-51331
75-3199276
(State or Other Jurisdiction
of Incorporation)
(Commission
File No.)
(I.R.S. Employer
Identification No.)
 
 
 
60 North Frontage Road, Burr Ridge, Illinois
(Address of Principal Executive Offices)
60527
(Zip Code)
 
 
Registrant’s telephone number, including area code: (800) 894-6900
 
Not Applicable
(Former name, former address and former fiscal year, if changed since last report) 
 
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
 
Trading
Symbol(s)
 
Name of each exchange on which registered
Common Stock, par value $0.01 per share
 
BFIN
 
The NASDAQ Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
 
 
 
Item 7.01. Regulation FD Disclosure.
 
BankFinancial Corporation (the “Company”) will review results for the second quarter and six months ended June 30, 2020 in a conference call and webcast for stockholders and analysts on Friday, July 31, 2020 at 9:30 a.m. Chicago, Illinois Time.
 
The conference call may be accessed by calling (844) 413-1780 using participant passcode 8098389. The conference call will be simultaneously webcast at www.bankfinancial.com, “Investor Relations” page.
 
Item 8.01. Other Events.
 
On July 29, 2020, the Company issued a press release announcing the filing of its Quarterly Report on Form 10-Q for the quarter ended June 30, 2020 and issued the Quarterly Financial and Statistical Supplement for the latest five quarters. The press release and Quarterly Financial and Statistical Supplement are included as Exhibits 99.1 and 99.2 to this report.
 
Item 9.01    Financial Statements and Exhibits.
 
 
(a)
Not Applicable.
 
(b)
Not Applicable.
 
(c)
Not Applicable.
 
(d)
Exhibits.
 
Exhibit No.
Description
 
Press Release dated July 29, 2020
 
Quarterly Financial and Statistical Supplement
  104 Cover Page Interactive Data File (embedded within the Inline XBRL document).
 
 
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
 
 
 
 
BANKFINANCIAL CORPORATION
 
 
 
 
 
 
 
Dated:
 July 29, 2020
 
By:
/s/ F. Morgan Gasior
 
 
 
 
 
F. Morgan Gasior
 
 
 
 
 
Chairman of the Board, Chief Executive Officer and President
 
 
 EX-99.1 2 ex_186771.htm EXHIBIT 99.1 ex_186771.htm

 

Exhibit 99.1

 

 

FOR IMMEDIATE RELEASE

 

BankFinancial Corporation Reports Financial Results for the Second Quarter 2020 and

Will Host Conference Call and Webcast on Friday, July 31, 2020

 

Burr Ridge, Illinois - (July 29, 2020) BankFinancial Corporation (Nasdaq – BFIN) (“BankFinancial” ) filed its Quarterly Report on Form 10-Q for the quarter ended June 30, 2020 and a Quarterly Financial and Statistical Supplement on Form 8-K with the U.S. Securities and Exchange Commission (the “SEC”) today.

 

BankFinancial reported net income for the three months ended June 30, 2020 of $ 2.4 million, or $ 0.16 per common share, compared to net income of $ 807,000, or $ 0.05 per common share, for the three months ended June 30, 2019. BankFinancial also reported net income of $ 4.8 million, or $ 0.32 per common share, for the six months ended June 30, 2020, compared to net income of $ 4.4 million, or $ 0.28 per common share, for the six months ended June 30, 2019.  At June 30, 2020, BankFinancial had total assets of $ 1.593 billion, total loans of $ 1.082 billion, total deposits of $ 1.388 billion and stockholders' equity of $ 172 million.

 

The Quarterly Report on Form 10-Q and the Quarterly Financial and Statistical Supplement will be available today on BankFinancial's website, www.bankfinancial.com on the “Investor Relations” page, and through the EDGAR database on the SEC's website, www.sec.gov.  The Quarterly Financial and Statistical Supplement includes comparative GAAP and non-GAAP performance data and financial measures for the most recent five quarters.

 

BankFinancial's management will review second quarter 2020 results in a conference call and webcast for stockholders and analysts on Friday, July 31, 2020 at 9:30 a.m. Chicago, Illinois Time.  The conference call may be accessed by calling (844) 413-1780 using participant passcode 8098389. The conference call will be simultaneously webcast at www.bankfinancial.com, “Investor Relations” page.  For those unable to participate in the conference call, the webcast will be archived through Friday, August 14, 2020 on our website.

 

BankFinancial Corporation is the holding company for BankFinancial, NA, a national bank providing financial services to individuals, families and businesses through 19 full-service banking offices, located in Cook, DuPage, Lake and Will Counties, Illinois and to selected commercial loan and deposit customers on a regional or national basis. BankFinancial Corporation's common stock trades on the Nasdaq Global Select Market under the symbol BFIN. Additional information may be found at the company's website, www.bankfinancial.com.

 

This release includes “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. A variety of factors could cause BankFinancial’s actual results to differ from those expected at the time of this release. For a discussion of some of the factors that may cause actual results to differ from expectations, please refer to BankFinancial’s most recent Annual Report on Form 10-K as filed with the SEC, as supplemented by subsequent filings with the SEC. Investors are urged to review all information contained in these reports, including the risk factors discussed therein. Copies of these filings are available at no cost on the SEC's web site at www.sec.gov or on BankFinancial’s web site at www.bankfinancial.com. Forward looking statements speak only as of the date they are made, and we do not undertake to update them to reflect changes.

 

 
     

For Further Information Contact:

 

 

Shareholder, Analyst and Investor Inquiries:

 

Media Inquiries:

Elizabeth A. Doolan

Senior Vice President – Finance

BankFinancial Corporation

Telephone: 630-242-7151

 

Gregg T. Adams

President – Marketing & Sales

BankFinancial, NA

Telephone: 630-242-7234

 

 
 EX-99.2 3 ex_186772.htm EXHIBIT 99.2 ex_186772.htm

Exhibit 99.2

 

 

 

BANKFINANCIAL CORPORATION

 

Second QUARTER 2020

 

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 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.

 

 

 
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters
 

(Dollars in thousands; except per share) – (Unaudited)

 

   

2020

    

2019

  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

PERFORMANCE MEASUREMENTS

                                        

Return on assets (ratio of net income to average total assets) (1)

     0.61 %     0.66 %     0.91 %     1.05 %     0.21 %

Return on equity (ratio of net income to average equity) (1)

     5.42       5.52       7.71       9.04       1.84  

Net interest rate spread (1)

     2.90       3.19       3.23       3.38       3.30  

Net interest margin (1)

     3.09       3.44       3.50       3.67       3.60  

Efficiency ratio (2)

     74.06       72.03       66.98       64.62       65.19  

Noninterest expense to average total assets (1)

     2.40       2.63       2.56       2.54       2.48  

Average interest–earning assets to average interest–bearing liabilities

     138.21       132.68       132.47       131.18       131.66  

Number of full service offices

     19       19       19       19       19  

Employees (full time equivalents)

     199       226       222       223       231  
                                         

SUMMARY STATEMENT OF FINANCIAL CONDITION

                                        

ASSETS

                                        

Cash and due from other financial institutions

   $ 13,826     $ 14,652     $ 9,785     $ 13,074     $ 13,998  

Interest-bearing deposits in other financial institutions

     370,939       155,286       180,540       127,719       89,609  

Securities, at fair value

     59,437       63,853       60,193       65,440       87,080  

Loans receivable, net

     1,081,798       1,147,628       1,168,008       1,213,948       1,267,454  

Other real estate owned, net

     143       110       186       269       497  

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

     24,323       24,202       24,346       24,598       24,923  

Bank-owned life insurance

     18,986       18,977       18,945       18,914       18,877  

Deferred taxes

     3,615       3,644       3,873       4,556       4,816  

Other assets

     12,572       14,440       14,649       15,974       19,178  

Total assets

   $ 1,593,129     $ 1,450,282     $ 1,488,015     $ 1,491,982     $ 1,533,922  
                                         

LIABILITIES AND STOCKHOLDERS’ EQUITY

                                        

Deposits

   $ 1,388,155     $ 1,253,751     $ 1,284,757     $ 1,288,825     $ 1,330,207  

Borrowings

     4,000       —       61       1,253       798  

Other liabilities

     28,520       23,536       28,825       28,037       31,426  

Total liabilities

     1,420,675       1,277,287       1,313,643       1,318,115       1,362,431  

Stockholders’ equity

     172,454       172,995       174,372       173,867       171,491  

Total liabilities and stockholders’ equity

   $ 1,593,129     $ 1,450,282     $ 1,488,015     $ 1,491,982     $ 1,533,922  

 

(1)

Annualized

(2)

The  efficiency ratio represents noninterest expense, divided by the sum of net interest income and noninterest income.

 

Page 2
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

 

   

2020

    

2019

  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

SUMMARY STATEMENT OF OPERATIONS

                                        

Total interest income

   $ 13,194     $ 14,653     $ 15,732     $ 16,628     $ 16,522  

Total interest expense

     1,869       2,684       3,105       3,386       3,419  

Net interest income

     11,325       11,969       12,627       13,242       13,103  

Provision for (recovery of) loan losses

     42       471       89       (134 )     3,957  
Net interest income after provision for (recovery of) loan losses     11,283       11,498       12,538       13,376       9,146  

Noninterest income

     1,163       1,398       1,648       1,474       1,426  

Noninterest expense

     9,249       9,628       9,562       9,509       9,472  

Income before income tax

     3,197       3,268       4,624       5,341       1,100  

Income tax expense

     845       850       1,234       1,417       293  

Net income

   $ 2,352     $ 2,418     $ 3,390     $ 3,924     $ 807  

Basic and diluted earnings per common share

   $ 0.16     $ 0.16     $ 0.22     $ 0.26     $ 0.05  
                                         

NONINTEREST INCOME AND EXPENSE

                                        

Noninterest Income

                                        

Deposit service charges and fees

   $ 736     $ 887     $ 957     $ 983     $ 974  

Loan servicing fees

     82       63       273       99       56  

Mortgage brokerage and banking fees

     11       29       72       28       21  

Loss on disposal of other assets

     —       (2 )     (25 )     —       —  

Trust insurance commissions and annuities income

     224       282       217       198       224  

Earnings on bank-owned life insurance

     9       32       31       37       38  

Other

     101       107       123       129       113  
Total noninterest income   $ 1,163     $ 1,398     $ 1,648     $ 1,474     $ 1,426  
                                         

Noninterest Expense

                                        

Compensation and benefits

   $ 5,168     $ 5,518     $ 5,138     $ 5,218     $ 5,207  

Office occupancy and equipment

     1,723       1,800       1,727       1,879       1,624  

Advertising and public relations

     118       152       169       182       145  

Information technology

     808       864       921       892       753  

Professional fees

     289       235       359       213       237  

Supplies, telephone, and postage

     284       303       291       312       322  

Amortization of intangibles

     7       14       14       13       14  

Nonperforming asset management

     57       40       (24 )     17       58  

Operations of other real estate owned, net

     7       (17 )     30       19       47  

FDIC insurance premiums

     102       34       —       (127 )     146  

Other

     686       685       937       891       919  

Total noninterest expense

   $ 9,249     $ 9,628     $ 9,562     $ 9,509     $ 9,472  

 

Page 3
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

    2020     2019  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

LOANS

                                        

One–to–four family residential real estate

   $ 48,928     $ 52,849     $ 55,750     $ 60,757     $ 64,192  

Multi–family mortgage

     536,619       542,421       563,750       577,656       619,898  

Nonresidential real estate

     127,560       133,432       134,674       140,410       145,416  

Construction and land

     —       —       —       88       117  

Commercial loans

     126,609       158,049       145,714       163,846       153,709  

Commercial leases

     247,997       266,063       272,629       275,800       289,107  

Consumer

     1,783       2,078       2,211       2,052       1,861  
      1,089,496       1,154,892       1,174,728       1,220,609       1,274,300  

Net deferred loan origination costs

     458       848       912       942       978  

Allowance for loan losses

     (8,156 )     (8,112 )     (7,632 )     (7,603 )     (7,824 )

Loans, net

   $ 1,081,798     $ 1,147,628     $ 1,168,008     $ 1,213,948     $ 1,267,454  
                                         

LOAN ORIGINATIONS (1)

                                        

One–to–four family residential real estate

   $ 667     $ 659     $ 437     $ 721     $ 836  

Multi–family mortgage

     21,546       17,004       19,848       6,960       9,258  

Nonresidential real estate

     855       5,410       174       387       4,100  

Commercial loans

     110,080       172,837       134,330       141,314       153,537  

Commercial leases

     18,036       24,764       33,183       30,998       34,959  

Consumer

     489       883       1,018       852       842  
    $ 151,673     $ 221,557     $ 188,990     $ 181,232     $ 203,532  

Weighted average interest rate

     4.13 %     4.55 %     5.41 %     5.75 %     6.27 %
                                         

LOAN PAYMENTS and PAYOFFS (2)

                                        

One–to–four family residential real estate

   $ 4,586     $ 3,511     $ 5,317     $ 4,127     $ 3,415  

Multi–family mortgage

     27,814       38,213       33,916       49,374       23,685  

Nonresidential real estate

     6,583       6,708       5,854       6,802       7,165  

Construction and land

     —       —       88       28       27  

Commercial loans

     140,568       162,048       151,432       130,208       167,352  

Commercial leases

     35,109       31,004       36,488       44,035       39,633  

Consumer

     755       989       796       703       800  
    $ 215,415     $ 242,473     $ 233,891     $ 235,277     $ 242,077  

Weighted average interest rate

     4.58 %     4.74 %     5.46 %     5.45 %     5.91 %

 

(1)

Loan originations include purchased loans, draws on revolving lines of credit and exclude loan renewals.

(2)

Loan payments and payoffs exclude loan renewals.

 

Page 4
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

    2020     2019  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

CREDIT QUALITY:

                                        

Nonperforming Assets:

                                        

Nonaccrual loans:

                                        

One–to–four family residential real estate

   $ 662     $ 476     $ 512     $ 1,163     $ 928  

Nonresidential real estate

     288       288       288       284       2,083  

Commercial leases

     833       —       —       —       —  

Nonaccrual loans

     1,783       764       800       1,447       3,011  
                                         

Loans past due over 90 days, still accruing - commercial leases

     —       —       47       —       —  
                                         

Other real estate owned - One–to–four family residential real estate

     143       110       186       269       497  
                                         

Nonperforming assets

   $ 1,926     $ 874     $ 1,033     $ 1,716     $ 3,508  
                                         

Asset Quality Ratios

                                        

Nonperforming assets to total assets

     0.12 %     0.06 %     0.07 %     0.12 %     0.23 %

Nonperforming loans to total loans (1)

     0.16       0.07       0.07       0.12       0.24  

Nonperforming commercial-related loans to total commercial-related loans (2)

     0.11       0.03       0.03       0.02       0.17  

Nonperforming residential and consumer loans to total residential and consumer loans

     1.31       0.87       0.88       1.85       1.40  

Allowance for loan losses to nonperforming loans

     457.43       1061.78       901.06       525.43       259.85  
                                         

Concentrations of Credit

                                        

Commercial real estate for FFIEC concentration limits

   $ 637,777     $ 648,991     $ 699,434     $ 688,887     $ 734,567  

% FFIEC total capital

     374.58 %     381.15 %     393.32 %     403.95 %     437.62 %
                                         

Multi–family mortgage loans - 50% risk-based capital qualified (included above)

   $ 235,176     $ 281,962     $ 336,287     $ 302,648     $ 286,910  

% FFIEC total capital

     138.12 %     165.60 %     197.58 %     177.47 %     170.93 %
                                         

Commercial Leases - Investment rated

   $ 114,632     $ 124,451     $ 133,839     $ 133,049     $ 143,148  

Commercial Leases - Other

     133,365       141,612       138,790       142,751       145,959  

 

(1)

Nonperforming loans include nonaccrual loans and loans past due 90 days and still accruing. 

(2)

Commercial-related loans include Multi-family mortgage, Nonresidential, Construction and land, Commercial loans and Commercial leases.

 

Page 5
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

    2020     2019  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

SUBSTANDARD PERFORMING LOANS

                                        

One–to–four family residential real estate

   $ 501     $ 440     $ 568     $ 577     $ 487  

Multi–family mortgage

     —       —       206       211       213  

Nonresidential real estate

     2,790       89       90       93       93  

Commercial loans

     —       —       —       —       500  
Commercial leases     1,261       1,423       136       —       —  

Consumer

     11       9       53       3       1  
    $ 4,563     $ 1,961     $ 1,053     $ 884     $ 1,294  
                                         

ALLOWANCE FOR LOAN LOSSES

                                        

Beginning balance

   $ 8,112     $ 7,632     $ 7,603     $ 7,824     $ 8,354  

Charge–offs:

                                        

One–to–four family residential real estate

     —       (5 )     (105 )     (44 )     (50 )

Nonresidential real estate

     —       —       —       (55 )     —  

Commercial loans

     —       —       —       —       (4,443 )

Consumer

     (17 )     (13 )     (11 )     (5 )     (10 )
      (17 )     (18 )     (116 )     (104 )     (4,503 )

Recoveries:

                                        

One–to–four family residential real estate

     3       13       47       5       6  

Multi–family mortgage

     15       12       7       8       8  

Commercial loans

     1       2       2       4       2  
      19       27       56       17       16  

Net recoveries (charge–offs)

     2       9       (60 )     (87 )     (4,487 )

Provision for (recovery of) loan losses

     42       471       89       (134 )     3,957  

Ending balance

   $ 8,156     $ 8,112     $ 7,632     $ 7,603     $ 7,824  
                                         

Allowance for loan losses to total loans

     0.75 %     0.70 %     0.65 %     0.62 %     0.61 %

Net recoveries (charge–offs) ratio (1)

     —       —       (0.02 )     (0.03 )     (1.38 )

 

(1)

Annualized

 

Page 6
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

    2020     2019  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

DEPOSITS

                                        

Noninterest–bearing demand

   $ 305,096     $ 211,142     $ 210,762     $ 208,347     $ 213,966  

Interest–bearing NOW accounts

     306,629       266,828       273,168       274,752       278,405  

Money market accounts

     268,143       247,227       245,610       237,022       246,941  

Savings deposits

     167,570       155,505       153,183       149,431       153,414  

Certificates of deposit - retail

     303,976       319,987       336,949       344,327       348,685  

Certificates of deposit - wholesale

     36,741       53,062       65,085       74,946       88,796  
    $ 1,388,155     $ 1,253,751     $ 1,284,757     $ 1,288,825     $ 1,330,207  
                                         

SELECTED AVERAGE BALANCES

                                        

Total average assets

   $ 1,541,352     $ 1,465,253     $ 1,496,379     $ 1,498,380     $ 1,529,033  

Total average interest–earning assets

     1,475,901       1,400,539       1,429,300       1,430,830       1,458,180  

Average loans

     1,116,067       1,160,197       1,189,771       1,239,774       1,297,548  

Average securities

     66,750       62,919       64,658       78,221       86,144  

Average stock in FHLB & FRB

     7,490       7,490       7,490       7,490       7,629  

Average other interest–earning assets

     285,594       169,933       167,381       105,345       66,859  

Total average interest–bearing liabilities

     1,067,854       1,055,550       1,078,940       1,090,766       1,107,540  

Average interest–bearing deposits

     1,065,480       1,055,535       1,078,537       1,089,596       1,106,439  

Average borrowings

     2,374       15       403       1,170       1,101  

Average stockholders’ equity

     173,677       175,069       175,977       173,698       175,452  
                                         

SELECTED YIELDS AND COST OF FUNDS (1):

                                        

Total average interest–earning assets

     3.60 %     4.21 %     4.37 %     4.61 %     4.54 %

Average loans

     4.57       4.72       4.82       4.92       4.76  

Average securities

     1.63       1.94       2.27       2.58       2.80  

Average other interest–earning assets

     0.24       1.54       1.94       2.50       2.63  

Total average interest–bearing liabilities

     0.70       1.02       1.14       1.23       1.24  

Average interest–bearing deposits

     0.71       1.02       1.14       1.23       1.24  

Average cost of total deposits

     0.56       0.85       0.95       1.03       1.04  

Average cost of retail and commercial deposits

     0.63       0.93       1.04       1.13       1.13  

Average cost of wholesale deposits and borrowings

     2.35       2.52       2.53       2.48       2.39  

Average cost of funds

     0.56       0.85       0.95       1.03       1.04  

Net interest rate spread

     2.90       3.19       3.23       3.38       3.30  

Net interest margin

     3.09       3.44       3.50       3.67       3.60  

 

(1)

Annualized

 

Page 7
 
BANKFINANCIAL CORPORATION
SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA
Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

 

    2020     2019  
   

IIQ

    

IQ

    

IVQ

    

IIIQ

    

IIQ

  

CAPITAL RATIOS

                                        

BankFinancial Corporation (1)

                                        

Equity to total assets (end of period)

     10.82 %     11.93 %     11.72 %     11.65 %     11.18 %

Tangible equity to tangible total assets (end of period)

     10.82       11.93       11.72       11.65       11.18  

Risk–based total capital ratio

     17.84       17.35       17.23       16.17       15.17  

Common Tier 1 (CET1)

     17.03       16.56       16.48       15.47       14.49  

Risk–based tier 1 capital ratio

     17.03       16.56       16.48       15.47       14.49  

Tier 1 leverage ratio

     11.06       11.67       11.48       11.43       11.04  

Tier 1 capital

   $ 170,242     $ 170,788     $ 171,524     $ 171,050     $ 168,461  

BankFinancial, NA (2)

                                        

Risk–based total capital ratio

     17.04 %     16.53 %     16.38 %     15.46 %     14.46 %

Common Tier 1 (CET1)

     16.22       15.75       15.63       14.76       13.78  

Risk–based tier 1 capital ratio

     16.22       15.75       15.63       14.76       13.78  

Tier 1 leverage ratio

     10.54       11.10       10.89       10.90       10.49  

Tier 1 capital

   $ 162,108     $ 162,158     $ 162,455     $ 162,818     $ 159,917  
                                         

COMMON STOCK AND DIVIDENDS

                                        

Stock Prices:

                                        

Close

   $ 8.40     $ 8.81     $ 13.08     $ 11.90     $ 13.99  

High

     9.63       13.28       14.14       14.29       15.63  

Low

     6.73       7.33       11.52       11.10       13.44  

Common shares outstanding

     14,890,628       15,072,268       15,278,464       15,373,964       15,373,964  

Book value per share

   $ 11.58     $ 11.48     $ 11.41     $ 11.31     $ 11.15  

Tangible book value per share

   $ 11.58     $ 11.48     $ 11.41     $ 11.31     $ 11.15  

Cash dividends declared on common stock

   $ 0.10     $ 0.10     $ 0.10     $ 0.10     $ 0.10  

Dividend payout ratio

     63.73 %     62.94 %     45.30 %     39.18 %     191.78 %

Stock repurchases

   $ 1,474     $ 2,202     $ 1,298     $ —     $ 4,001  

Stock repurchases – shares

     181,640       206,196       95,500       —       270,535  
                                         

EARNINGS PER SHARE COMPUTATIONS

                                        

Net income

   $ 2,352     $ 2,418     $ 3,390     $ 3,924     $ 807  

Weighted average basic and dilutive common shares outstanding

     14,978,757       15,205,731       15,342,524       15,373,964       15,472,618  

Basic and diluted earnings per common share

   $ 0.16     $ 0.16     $ 0.22     $ 0.26     $ 0.05  

 

(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.  

(2)

As a qualified community bank, the Bank is exempt from the OCC's risk-based capital rules effective second quarter 2020.  BankFinancial, NA capital data is included for informational purposes only.  
Page 8
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Document And Entity Information
Jul. 29, 2020
Document Information [Line Items]  
Entity, Registrant Name BANKFINANCIAL CORPORATION
Document, Type 8-K
Document, Period End Date Jul. 29, 2020
Entity, Incorporation, State or Country Code MD
Entity, File Number 0-51331
Entity, Tax Identification Number 75-3199276
Entity, Address, Address Line One 60 North Frontage Road
Entity, Address, City or Town Burr Ridge
Entity, Address, State or Province IL
Entity, Address, Postal Zip Code 60527
City Area Code 800
Local Phone Number 894-6900
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol BFIN
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0001303942
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