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Shareholder Information

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Who is Bancorp Financial, Inc.'s transfer agent and how can they be contacted?

The transfer agent for Bancorp Financial, Inc.’s common stock is: 

American Stock Transfer & Trust Company, LLC
6201 15th Avenue
Brooklyn, NY 11219

Telephone: (800) 937-5449
www.astfinancial.com

Please contact our transfer agent to:

  • Check share balances
  • Change the name, address or ownership information of common stock
  • Consolidate accounts
  • Report lost or stolen certificates

How can I contact Bancorp Financial, Inc. with questions I have regarding my Bancorp Financial, Inc. common stock?

All inquiries regarding transfers of common stock should be addresses to our transfer agent at their above listed phone number. Other inquiries regarding Bancorp Financial, Inc. can be directed to: 

Michael Spaniak
Corporate Secretary
Bancorp Financial, Inc.
1515 West 22nd Street, Suite 100W
Oak Brook, IL 60523

Telephone: (630) 413-9580

How does someone buy or sell common stock of Bancorp Financial, Inc.?

The common stock of Bancorp Financial, Inc. is not currently traded on any exchange. Should you wish to purchase or sell stock please contact Michael Spaniak at 630-413-9580 who may be able to place you in contact with a potential buyer or seller. Please note, as the company is not publicly traded, there may be no current market for your shares.

How can I obtain a copy of Bancorp Financial, Inc.’s annual report?

To receive a copy of our annual report, please e-mail us at [email protected].

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Financial Information

Contact: Jill Voss, Chief Financial Officer at 630-413-9563

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Balance Sheets

Assets 12/31/18 12/31/17 12/31/16
Cash and cash equivalents $52,264,308 $91,614,229 $65,922,197
Investments 105,444,905 87,326,381 83,680,668
Loans, net 801,779,549 676,205,999 618,619,147
Bank owned life insurance 12,487,499 12,197,057 11,896,507
Other assets 16,657,436 13,084,714 13,128,095
Total Assets $988,633,697 $880,428,380 $793,246,614
Liabilities and Stockholders' Equity 12/31/18  12/31/17  12/31/16 
Total Deposits 855,828,456 $780,928,049 $709,101,848
Note Payable 31,081,230 25,781,230 16,781,230
Subordinated debt 12,500,000 12,500,000 12,500,000
Other liabilities 6,636,769 5,239,494 4,478,430
Total Liabilities $906,046,455 $824,448,773 $742,861,508
Stockholders' Equity $82,587,242 $55,979,607 $50,385,106
Total Liabilities and Stockholders' Equity $988,633,697 $880,428,380 $793,246,614
Ratios 12/31/18   12/31/17  12/31/16
Book Value per Share $32.09 $27.30 $24.92
Loan to Deposit Ratio 94.76% 87.59% 88.26%
ALL to Total Loan Ratio 1.14% 1.15% 1.16%
Liquidity Ratio 14.53% 19.47% 17.96%
Evergreen Bank Group Capital Ratios: 12/31/18   12/31/17  12/31/16
Tier 1 Capital Ratio 12.02% 11.72% 11.63%
Common Equity Ratio 12.02% 11.72% 11.63%
Total Capital Ratio 13.08% 12.78% 12.72%
Capital Leverage Ratio 10.44% 10.11% 10.14%

Income Statements

  12/31/18 12/31/17 12/31/16 
Interest income on investments and cash in banks $3,280,189 $2,580,076 $2,011,872
Interest income on loans 47,839,812 39,056,695 32,801,956
Total Interest Income $51,660,001 $41,636,771 $34,813,282
Interest on deposits 11,757,607 7,352,504 5,197,879
Interest on debt 2,102,901 1,773,480 1,327,709
Total Interest Expense $13,860,508 $9,125,984 $6,525,588
Net Interest Income $37,799,493 $32,510,787 $28,288,240
Provision for loan losses 4,755,000 3,800,000 3,350,000
Other non interest income 2,054,648 1,813,702 1,806,121
Other non interest expense 22,638,827 20,327,630 17,191,757
Net Income before Taxes $12,460,314 $10,196,859 $9,552,604
Income tax expense 3,119,818 5,940,215 3,324,450
Net Income $9,340,496 $4,256,644 $6,228,154
Ratios 12/31/18  12/31/17   12/31/16
Return on Average Assets 1.00% 0.51% 0.85%
Return on Average Equity 14.12% 7.69% 12.70%
Return on Average Common Equity 14.12% 7.69% 12.70%
Net Interest Margin 4.03% 4.09% 3.92%
Efficiency Ratio 56.80% 59.22% 57.13%

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