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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 Unaudited
9/30/19
 Audited
12/31/18
 Audited
12/31/17
Cash and cash equivalents $84,451,878 $52,264,308 $91,614,229
Investments 95,495,928 105,444,905 87,326,381
Loans, net 864,534,599 801,779,549 676,205,999
Bank owned life insurance 12,708,554 12,487,499 12,197,057
Other assets 22,554,609 16,657,436 13,084,714
Total Assets $1,079,745,568 $988,633,697 $880,428,380
Liabilities and Stockholders' Equity Unaudited 9/30/19 Audited 12/31/18  Audited 12/31/17 
Total Deposits  $917,141,052 855,828,456 $780,928,049
Note Payable  42,200,000 31,081,230 25,781,230
Subordinated debt 12,500,000  12,500,000 12,500,000
Other liabilities 12,588,368  6,636,769 5,239,494
Total Liabilities $984,429,420  $906,046,455 $824,448,773
Stockholders' Equity $95,316,418  $82,587,242 $55,979,607
Total Liabilities and Stockholders' Equity $1,079,745,568  $988,633,697 $880,428,380
Ratios Unaudited 9/30/19 Audited 12/31/18   Audited 12/31/17
Book Value per Share  $36.26 $32.09 $27.30
Loan to Deposit Ratio 95.33%  94.76% 87.59%
ALL to Total Loan Ratio 1.12%  1.14% 1.15%
Liquidity Ratio 15.68%  14.53% 19.47%
Evergreen Bank Group Capital Ratios: Unaudited 9/30/19 Audited 12/31/18   Audited 12/31/17
Tier 1 Capital Ratio 12.45% 12.02% 11.72%
Common Equity Ratio 12.45%  12.02% 11.72%
Total Capital Ratio 13.50%  13.08% 12.78%
Capital Leverage Ratio 10.99%  10.44% 10.11%

Income Statements

  Unaudited 9/30/19 Audited 12/31/18 Audited 12/31/17
Interest income on investments and cash in banks $3,190,093 $3,280,189 $2,580,076
Interest income on loans 42,142,634 47,839,812 39,056,695
Total Interest Income $45,322,727 $51,660,001 $41,636,771
Interest on deposits 12,183,459 11,757,607 7,352,504
Interest on debt 1,553,363 2,102,901 1,773,480
Total Interest Expense $13,736,822 $13,860,508 $9,125,984
Net Interest Income $31,595,905 $37,799,493 $32,510,787
Provision for loan losses 3,710,000 4,755,000 3,800,000
Other non interest income 2,281,415 2,054,648 1,813,702
Other non interest expense 17,791,985 22,638,827 20,327,630
Net Income before Taxes $12,375,335 $12,460,314 $10,196,859
Income tax expense 3,059,873 3,119,818 5,940,215
Net Income $9,315,462 $9,340,496 $4,256,644
Ratios Unaudited 9/30/19 Audited 12/31/18  Audited 12/31/17 
Return on Average Assets 1.20% 1.00% 0.51%
Return on Average Equity 13.94% 14.12% 7.69%
Return on Average Common Equity 13.94% 14.12% 7.69%
Net Interest Margin 4.18% 4.03% 4.09%
Efficiency Ratio 52.52% 56.80% 59.22%

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