Exhibit 99.2
BANKFINANCIAL
CORPORATION
FIRST QUARTER 2012
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)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2012
|
|
|
2011
|
|
|
|
|
IQ
|
|
|
IVQ
|
|
|
IIIQ
|
|
|
IIQ
|
|
|
IQ
|
|
|
PERFORMANCE MEASUREMENTS
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Return on assets (ratio of net income (loss) to
average total assets) (1)
|
|
|
0.61
|
%
|
|
|
(11.65
|
)%
|
|
|
(0.46
|
)%
|
|
|
0.24
|
%
|
|
|
(0.20
|
)%
|
|
Return on equity (ratio of net income (loss) to
average equity) (1)
|
|
|
4.61
|
|
|
|
(75.38
|
)
|
|
|
(3.01
|
)
|
|
|
1.62
|
|
|
|
(1.23
|
)
|
|
Net interest rate spread (1)
|
|
|
4.18
|
|
|
|
4.19
|
|
|
|
4.19
|
|
|
|
4.27
|
|
|
|
3.68
|
|
|
Net interest margin (1)
|
|
|
4.26
|
|
|
|
4.28
|
|
|
|
4.29
|
|
|
|
4.38
|
|
|
|
3.81
|
|
|
Efficiency ratio, less goodwill
impairment
|
|
|
78.00
|
|
|
|
90.76
|
|
|
|
80.32
|
|
|
|
77.09
|
|
|
|
95.52
|
|
|
Noninterest expense to average total assets,
less goodwill impairment (1)
|
|
|
3.49
|
|
|
|
4.04
|
|
|
|
3.54
|
|
|
|
3.46
|
|
|
|
3.71
|
|
|
Average interest–earning assets to average
interest–bearing liabilities
|
|
|
122.46
|
|
|
|
122.86
|
|
|
|
122.52
|
|
|
|
122.55
|
|
|
|
122.64
|
|
|
Number of full service offices
|
|
|
20
|
|
|
|
20
|
|
|
|
20
|
|
|
|
20
|
|
|
|
20
|
|
|
Employees (full time equivalents)
|
|
|
353
|
|
|
|
357
|
|
|
|
360
|
|
|
|
373
|
|
|
|
385
|
|
|
|
|
|
|
|
2012
|
|
|
2011
|
|
|
|
|
IQ
|
|
|
IVQ
|
|
|
IIIQ
|
|
|
IIQ
|
|
|
IQ
|
|
|
SUMMARY STATEMENT OF FINANCIAL
CONDITION
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ASSETS
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Cash and due from other financial
institutions
|
|
$
|
24,037
|
|
|
$
|
24,247
|
|
|
$
|
15,270
|
|
|
$
|
14,049
|
|
|
$
|
14,479
|
|
|
Interest-bearing deposits in other financial
institutions
|
|
|
154,043
|
|
|
|
96,457
|
|
|
|
92,898
|
|
|
|
100,433
|
|
|
|
109,776
|
|
|
Securities, at fair value
|
|
|
81,241
|
|
|
|
92,832
|
|
|
|
94,880
|
|
|
|
95,546
|
|
|
|
121,154
|
|
|
Loans held-for-sale
|
|
|
521
|
|
|
|
1,918
|
|
|
|
1,388
|
|
|
|
—
|
|
|
|
—
|
|
|
Loans receivable, net
|
|
|
1,177,719
|
|
|
|
1,227,391
|
|
|
|
1,270,023
|
|
|
|
1,291,399
|
|
|
|
1,302,313
|
|
|
Other real estate owned
|
|
|
20,189
|
|
|
|
22,480
|
|
|
|
24,278
|
|
|
|
27,032
|
|
|
|
22,713
|
|
|
Stock in Federal Home Loan Bank, at
cost
|
|
|
11,336
|
|
|
|
16,346
|
|
|
|
16,346
|
|
|
|
16,346
|
|
|
|
16,346
|
|
|
Premises and equipment, net
|
|
|
39,044
|
|
|
|
39,155
|
|
|
|
38,948
|
|
|
|
38,745
|
|
|
|
37,650
|
|
|
Intangible assets
|
|
|
3,508
|
|
|
|
3,671
|
|
|
|
26,604
|
|
|
|
27,074
|
|
|
|
27,544
|
|
|
Bank owned life insurance
|
|
|
21,333
|
|
|
|
21,207
|
|
|
|
21,066
|
|
|
|
20,901
|
|
|
|
20,739
|
|
|
FDIC prepaid expense
|
|
|
4,027
|
|
|
|
4,351
|
|
|
|
4,662
|
|
|
|
5,003
|
|
|
|
5,158
|
|
|
Income tax receivable
|
|
|
1,353
|
|
|
|
1,809
|
|
|
|
1,445
|
|
|
|
1,862
|
|
|
|
2,523
|
|
|
Deferred taxes, net
|
|
|
—
|
|
|
|
—
|
|
|
|
15,444
|
|
|
|
13,232
|
|
|
|
13,112
|
|
|
Other assets
|
|
|
10,786
|
|
|
|
11,711
|
|
|
|
10,574
|
|
|
|
11,266
|
|
|
|
11,724
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total assets
|
|
$
|
1,549,137
|
|
|
$
|
1,563,575
|
|
|
$
|
1,633,826
|
|
|
$
|
1,662,888
|
|
|
$
|
1,705,231
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LIABILITIES AND STOCKHOLDERS’
EQUITY
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Deposits
|
|
$
|
1,320,580
|
|
|
$
|
1,332,552
|
|
|
$
|
1,352,808
|
|
|
$
|
1,378,331
|
|
|
$
|
1,421,564
|
|
|
Borrowings
|
|
|
9,995
|
|
|
|
9,322
|
|
|
|
9,253
|
|
|
|
12,595
|
|
|
|
15,488
|
|
|
Other liabilities
|
|
|
16,451
|
|
|
|
21,844
|
|
|
|
24,663
|
|
|
|
21,584
|
|
|
|
17,467
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total liabilities
|
|
|
1,347,026
|
|
|
|
1,363,718
|
|
|
|
1,386,724
|
|
|
|
1,412,510
|
|
|
|
1,454,519
|
|
|
Stockholders’ equity
|
|
|
202,111
|
|
|
|
199,857
|
|
|
|
247,102
|
|
|
|
250,378
|
|
|
|
250,712
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total liabilities and stockholders’
equity
|
|
$
|
1,549,137
|
|
|
$
|
1,563,575
|
|
|
$
|
1,633,826
|
|
|
$
|
1,662,888
|
|
|
$
|
1,705,231
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Page 2
BANKFINANCIAL
CORPORATION
SELECTED QUARTERLY FINANCIAL AND
STATISTICAL DATA
Latest Five
Quarters
(Dollars in thousands; except per share) –
(Unaudited)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2012
|
|
|
2011
|
|
|
|
|
IQ
|
|
|
IVQ
|
|
|
IIIQ
|
|
|
IIQ
|
|
|
IQ
|
|
|
SUMMARY STATEMENT OF OPERATIONS
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total interest income
|
|
$
|
16,634
|
|
|
$
|
17,370
|
|
|
$
|
17,990
|
|
|
$
|
19,000
|
|
|
$
|
15,348
|
|
|
Total interest expense
|
|
|
1,240
|
|
|
|
1,380
|
|
|
|
1,629
|
|
|
|
1,910
|
|
|
|
1,996
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income before provision
|
|
|
15,394
|
|
|
|
15,990
|
|
|
|
16,361
|
|
|
|
17,090
|
|
|
|
13,352
|
|
|
Provision for loan losses
|
|
|
996
|
|
|
|
9,740
|
|
|
|
7,384
|
|
|
|
3,175
|
|
|
|
2,424
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income
|
|
|
14,398
|
|
|
|
6,250
|
|
|
|
8,977
|
|
|
|
13,915
|
|
|
|
10,928
|
|
|
Noninterest income
|
|
|
1,832
|
|
|
|
2,004
|
|
|
|
1,863
|
|
|
|
1,879
|
|
|
|
1,571
|
|
|
Noninterest expense
|
|
|
13,436
|
|
|
|
40,193
|
|
|
|
14,637
|
|
|
|
14,623
|
|
|
|
14,255
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Income (loss) before income tax
|
|
|
2,794
|
|
|
|
(31,939
|
)
|
|
|
(3,797
|
)
|
|
|
1,171
|
|
|
|
(1,756
|
)
|
|
Income tax expense (benefit)
|
|
|
457
|
|
|
|
15,110
|
|
|
|
(1,901
|
)
|
|
|
145
|
|
|
|
(979
|
)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net income (loss)
|
|
$
|
2,337
|
|
|
$
|
(47,049
|
)
|
|
$
|
(1,896
|
)
|
|
$
|
1,026
|
|
|
$
|
(777
|
)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Basic earnings (loss) per common
share
|
|
$
|
0.12
|
|
|
$
|
(2.38
|
)
|
|
$
|
(0.10
|
)
|
|
$
|
0.05
|
|
|
$
|
(0.04
|
)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Diluted earnings (loss) per common
share
|
|
$
|
0.12
|
|
|
$
|
(2.38
|
)
|
|
$
|
(0.10
|
)
|
|
$
|
0.05
|
|
|
$
|
(0.04
|
)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2012
|
|
|
2011
|
|
|
|
|
IQ
|
|
|
IVQ
|
|
|
IIIQ
|
|
|
IIQ
|
|
|
IQ
|
|
|
NONINTEREST INCOME AND EXPENSE
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Noninterest Income
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Deposit service charges and fees
|
|
$
|
557
|
|
|
$
|
657
|
|
|
$
|
699
|
|
|
$
|
697
|
|
|
$
|
614
|
|
|
Other fee income
|
|
|
385
|
|
|
|
430
|
|
|
|
381
|
|
|
|
405
|
|
|
|
382
|
|
|
Insurance commissions and annuities
income
|
|
|
122
|
|
|
|
189
|
|
|
|
146
|
|
|
|
155
|
|
|
|
169
|
|
|
Gain on sales of loans, net
|
|
|
267
|
|
|
|
199
|
|
|
|
83
|
|
|
|
39
|
|
|
|
19
|
|
|
Loss on disposition of premises and
equipment
|
|
|
—
|
|
|
|
—
|
|
|
|
1
|
|
|
|
(10
|
)
|
|
|
(10
|
)
|
|
Loan servicing fees
|
|
|
128
|
|
|
|
131
|
|
|
|
138
|
|
|
|
137
|
|
|
|
132
|
|
|
Amortization of servicing assets
|
|
|
(69
|
)
|
|
|
(74
|
)
|
|
|
(73
|
)
|
|
|
(51
|
)
|
|
|
(54
|
)
|
|
Impairment (recovery) of servicing
assets
|
|
|
(13
|
)
|
|
|
17
|
|
|
|
(32
|
)
|
|
|
—
|
|
|
|
—
|
|
|
Earnings on bank owned life insurance
|
|
|
126
|
|
|
|
141
|
|
|
|
165
|
|
|
|
162
|
|
|
|
158
|
|
|
Trust income
|
|
|
184
|
|
|
|
186
|
|
|
|
199
|
|
|
|
215
|
|
|
|
76
|
|
|
Other
|
|
|
145
|
|
|
|
128
|
|
|
|
156
|
|
|
|
130
|
|
|
|
85
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total noninterest income
|
|
$
|
1,832
|
|
|
$
|
2,004
|
|
|
$
|
1,863
|
|
|
$
|
1,879
|
|
|
$
|
1,571
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Noninterest Expense
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Compensation and benefits
|
|
$
|
6,659
|
|
|
$
|
6,078
|
|
|
$
|
6,229
|
|
|
$
|
7,120
|
|
|
$
|
6,600
|
|
|
Office occupancy and equipment
|
|
|
1,743
|
|
|
|
1,870
|
|
|
|
1,845
|
|
|
|
1,736
|
|
|
|
1,868
|
|
|
Advertising and public relations
|
|
|
94
|
|
|
|
60
|
|
|
|
333
|
|
|
|
260
|
|
|
|
237
|
|
|
Information technology
|
|
|
1,261
|
|
|
|
1,058
|
|
|
|
1,085
|
|
|
|
1,091
|
|
|
|
948
|
|
|
Supplies, telephone, and postage
|
|
|
430
|
|
|
|
434
|
|
|
|
450
|
|
|
|
439
|
|
|
|
375
|
|
|
Amortization of intangibles
|
|
|
163
|
|
|
|
367
|
|
|
|
470
|
|
|
|
470
|
|
|
|
382
|
|
|
Nonperforming asset management
|
|
|
1,191
|
|
|
|
1,430
|
|
|
|
1,267
|
|
|
|
1,279
|
|
|
|
455
|
|
|
Loss (gain) on sales of other real estate
owned
|
|
|
(139
|
)
|
|
|
113
|
|
|
|
16
|
|
|
|
(62
|
)
|
|
|
(52
|
)
|
|
Operations of other real estate owned
|
|
|
351
|
|
|
|
844
|
|
|
|
563
|
|
|
|
618
|
|
|
|
326
|
|
|
Write down of other real estate owned
|
|
|
389
|
|
|
|
2,482
|
|
|
|
1,009
|
|
|
|
299
|
|
|
|
179
|
|
|
FDIC insurance premiums
|
|
|
348
|
|
|
|
334
|
|
|
|
354
|
|
|
|
186
|
|
|
|
567
|
|
|
Acquisition expense
|
|
|
—
|
|
|
|
—
|
|
|
|
—
|
|
|
|
230
|
|
|
|
1,531
|
|
|
Goodwill impairment
|
|
|
—
|
|
|
|
23,862
|
|
|
|
—
|
|
|
|
—
|
|
|
|
—
|
|
|
Other
|
|
|
946
|
|
|
|
1,261
|
|
|
|
1,016
|
|
|
|
957
|
|
|
|
839
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total noninterest ex
|
 |