Shareholder Information
{beginAccordion}
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.
{endAccordion}
Financial Information
{beginAccordion}
Balance Sheets
| Assets | Audited 12/31/2023 |
Audited 12/31/22 |
Audited 12/31/21 |
Audited 12/31/20 |
Audited 12/31/19 |
|||||
| Cash and cash equivalents | $ | 119,291,099 | $ | 121,845,089 | $ | 116,536,612 | $ | 153,516,636 | $ | 107,061,060 |
| Investments | $ | 126,193,342 | $ | 99,703,206 | $ | 96,113,046 | $ | 85,362,728 | $ | 86,092,138 |
| Loans, net | $ | 1,215,451,955 | $ | 1,160,787,204 | $ | 951,287,254 | $ | 972,799,291 | $ | 886,431,838 |
| Other real estate owned | $ | 0 | $ | 0 | $ | 0 | $ | 0 | $ | 0 |
| Bank owned life insurance | $ | 13,342,604 | $ | 12,997,444 | $ | 12,680,356 | $ | 13,088,565 | $ | 12,784,411 |
| Other assets | $ | 35,553,687 | $ | 31,741,276 | $ | 24,179,299 | $ | 22,181,794 | $ | 17,011,508 |
| Total Asset | $ | 1,509,832,687 | $ | 1,427,074,219 | $ | 1,200,796,567 | $ | 1,246,949,014 | $ | 1,109,380,955 |
| Liabilities and Stockholders' Equity | Audited 12/31/2023 |
Audited 12/31/22 |
Audited 12/31/21 |
Audited 12/31/20 |
Audited 12/31/19 |
|||||
| Total Deposits | $ | 1,297,523,367 | $ | 1,225,386,295 | $ | 994,057,949 | $ | 1,048,619,471 | $ | 948,700,531 |
| Note Payable | $ | 47,500,000 | $ | 44,500,000 | $ | 57,700,000 | $ | 63,426,647 | $ | 42,200,000 |
| Subordinated debt | $ | 0 | $ | 0 | $ | 0 | $ | 12,500,000 | $ | 12,500,000 |
| Other liabilities | $ | 19,752,962 | $ | 17,906,008 | $ | 14,510,993 | $ | 9,558,419 | $ | 6,659,036 |
| Total Liabilities | $ | 1,364,776,329 | $ | 1,287,792,303 | $ | 1,066,268,942 | $ | 1,134,104,537 | $ | 1,010,059,567 |
| Stockholders' Equity | $ | 145,056,358 | $ | 139,281,916 | $ | 134,527,625 | $ | 112,844,477 | $ | 99,321,388 |
| Total Liabilities and Stockholders' Equity | $ | 1,509,832,687 | $ | 1,427,074,219 | $ | 1,200,796,567 | $ | 1,246,949,014 | $ | 1,109,380,955 |
| Ratios | Audited 12/31/2023 |
Audited 12/31/22 |
Audited 12/31/21 |
Audited 12/31/20 |
Audited 12/31/19 |
| Book Value per Share | $52.24 | $50.54 | $49.14 | $42.55 | $37.60 |
| Loan to Deposit Ratio | 95.30% | 96.34% | 97.56% | 94.76% | 94.61% |
| ALL to Total Loan Ratio | 1.70% | 1.67% | 1.91% | 2.10% | 1.25% |
| Liquidity Ratio | 15.25% | 15.13% | 16.02% | 18.31% | 16.70% |
| Evergreen Bank Group Capital Ratios |
Audited 12/31/2023 |
Audited 12/31/22 |
Audited 12/31/21 |
Audited 12/31/20 |
Audited 12/31/19 |
| Tier 1 Capital Ratio | 12.36% | 12.39% | 15.61% | 13.07% | 12.55% |
| Common Equity Ratio | 12.36% | 12.39% | 15.61% | 13.07% | 12.55% |
| Total Capital Ratio | 13.61% | 13.65% | 16.87% | 14.33% | 13.72% |
| Capital Leverage Ratio | 10.58% | 10.76% | 13.23% | 10.72% | 11.17% |
Income Statements
| Income Statements | Audited 12/31/2023 |
Audited 12/31/22 |
Audited 12/31/21 |
Audited 12/31/20 |
Audited 12/31/19 |
|||||
| Interest income on investments and cash in banks | $ | 9,199,188 | $ | 4,247,352 | $ | 1,871,103 | $ | 2,450,211 | $ | 4,094,171 |
| Interest income on loans | $ | 88,063,680 | $ | 67,066,902 | $ | 64,454,874 | $ | 68,356,649 | $ | 61,161,536 |
| Total Interest Income | $ | 97,262,868 | $ | 71,314,254 | $ | 66,325,977 | $ | 70,806,860 | $ | 65,255,707 |
| Interest on deposits | $ | 39,613,691 | $ | 9,554,978 | $ | 5,840,556 | $ | 14,151,591 | $ | 16,529,162 |
| Interest on debt | $ | 1,757,022 | $ | 1,133,942 | $ | 1,519,705 | $ | 2,047,230 | $ | 2,088,808 |
| Total Interest Expense | $ | 41,370,713 | $ | 10,688,920 | $ | 7,360,261 | $ | 16,198,821 | $ | 18,617,970 |
| Net Interest Income | $ | 55,892,155 | $ | 60,625,334 | $ | 58,965,716 | $ | 54,608,039 | $ | 46,637,737 |
| Provision for loan losses | $ | 11,575,000 | $ | 5,220,000 | $ | 325,000 | $ | 13,900,000 | $ | 6,566,000 |
| Other non interest income | $ | 2,162,818 | $ | 2,122,431 | $ | 3,044,165 | $ | 2,332,711 | $ | 2,048,325 |
| Other non interest expense | $ | 39,172,062 | $ | 35,934,377 | $ | 29,996,559 | $ | 27,872,360 | $ | 24,527,008 |
| Net Income before Taxes | $ | 7,307,911 | $ | 21,593,388 | $ | 31,688,322 | $ | 15,168,390 | $ | 17,593,054 |
| Income tax expense | $ | 1,517,728 | $ | 5,091,291 | $ | 6,940,268 | $ | 3,669,644 | $ | 4,520,764 |
| Net Income | $ | 5,790,183 | $ | 16,502,097 | $ | 24,748,054 | $ | 11,498,746 | $ | 13,072,290 |
| Ratios | Audited 12/31/2023 |
Audited 12/31/22 | Audited 12/31/21 | Audited 12/31/20 | Audited 12/31/19 |
| Return on Average Assets | 0.39% | 1.28% | 2.03% | 0.94% | 1.24% |
| Return on Average Equity | 4.07% | 12.01% | 19.82% | 10.65% | 14.27% |
| Return on Average Common Equity | 4.07% | 12.01% | 19.82% | 10.65% | 14.27% |
| Net Interest Margin | 3.88% | 4.81% | 4.92% | 4.55% | 4.55% |
| Efficiency Ratio | 67.59% | 57.32% | 48.11% | 48.66% | 50.38% |
{endAccordion}