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 addressed 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.

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Financial Information

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Balance Sheets

Assets Unaudited
3/31/22
Audited
12/31/21
Audited
12/31/20
Audited
12/31/19
Cash and cash equivalents $ 136,233,593 $ 116,536,612 $ 153,516,636 $ 107,061,060
Investments $ 90,089,385 $ 96,113,046 $ 85,362,728 $ 86,092,138
Loans, net $ 942,722,897 $ 951,287,254 $ 972,799,291 $ 886,431,838
Bank owned life insurance $ 12,756,342 $ 12,680,356 $ 13,088,565 $ 12,784,411
Other assets $ 30,163,462 $ 24,179,299 $ 22,181,794 $ 17,011,508
Total Asset $ 1,211,965,679 $ 1,200,796,567 $ 1,246,949,014 $ 1,109,380,955
Liabilities and Stockholders' Equity Unaudited
3/31/22
Audited
12/31/21
Audited
12/31/20
Audited
12/31/19
Total Deposits $ 999,468,647 $ 994,057,949 $ 1,048,619,471 $ 948,700,531
Note Payable $ 59,400,000 $ 57,700,000 $ 63,426,647 $ 42,200,000
Subordinated debt $ 0 $ 0 $ 12,500,000 $ 12,500,000
Other liabilities $ 18,411,991 $ 14,510,993 $ 9,558,419 $ 6,659,036
Total Liabilities $ 1,077,280,638 $ 1,066,268,942 $ 1,134,104,537 $ 1,010,059,567
Stockholders' Equity $ 134,685,041 $ 134,527,625 $ 112,844,477 $ 99,321,388
Total Liabilities and Stockholders' Equity $ 1,211,965,679 $ 1,200,796,567 $ 1,246,949,014 $ 1,109,380,955
Ratios Unaudited
3/31/22
Audited
12/31/21
Audited
12/31/20
Audited
12/31/19 
Book Value per Share $49.05 $49.14 $42.55 $37.60
Loan to Deposit Ratio 96.10% 97.56% 94.76% 94.61%
ALL to Total Loan Ratio 1.85% 1.91% 2.10% 1.25%
Liquidity Ratio 17.29% 16.02% 18.31% 16.70%
Evergreen Bank Group
Capital Ratios
Unaudited
3/31/22
Audited
12/31/21
Audited
12/31/20
Audited
12/31/19 
Tier 1 Capital Ratio 16.14% 15.61% 13.07% 12.55%
Common Equity Ratio 16.14% 15.61% 13.07% 12.55%
Total Capital Ratio 17.39% 16.87% 14.33% 13.72%
Capital Leverage Ratio 13.61% 13.23% 10.72% 11.17%

Income Statements

Income Statements
Unaudited
3/31/22

Audited
12/31/21

Audited
12/31/20

Audited
12/31/19
Interest income on investments and cash in banks $ 508,090 $ 1,871,103 $ 2,450,211 $ 4,094,171
Interest income on loans $ 14,878,216 $ 64,454,874 $ 68,356,649 $ 61,161,536
Total Interest Income $ 15,386,306 $ 66,325,977 $ 69,421,682 $ 65,255,707
Interest on deposits $ 884,113 $ 5,840,556 $ 14,151,591 $ 16,529,162
Interest on debt $ 305,357 $ 1,519,705 $ 2,047,230 $ 2,088,808
Total Interest Expense $ 1,189,470 $ 7,360,261 $ 16,198,821 $ 18,617,970
Net Interest Income $ 14,196,836 $ 58,965,716 $ 53,222,861 $ 46,637,737
Provision for loan losses $ 0 $ 325,000 $ 13,900,000 $ 6,566,000
Other non interest income $ 530,230 $ 3,044,165 $ 2,332,711 $ 2,048,325
Other non interest expense $ 8,293,344 $ 29,996,559 $ 27,872,360 $ 24,527,008
Net Income before Taxes $ 6,433,722 $ 31,688,322 $ 15,168,390 $ 17,593,054
Income tax expense $ 1,543,556 $ 6,940,268 $ 3,669,644 $ 4,520,764
Net Income $ 4,890,166 $ 24,748,054 $ 11,498,746 $ 13,072,290
Ratios Unaudited 3/31/22  Audited 12/31/21 Audited 12/31/20 Audited 12/31/19 
Return on Average Assets 1.64% 2.03% 0.94% 1.24%
Return on Average Equity 14.51% 19.82% 10.65% 14.27%
Return on Average Common Equity 14.51% 19.82% 10.65% 14.27%
Net Interest Margin 4.85% 4.92% 4.55% 4.55%
Efficiency Ratio 56.37% 48.11% 48.66% 50.38%

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