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
6/30/21
Audited
12/31/20
 Audited
12/31/19
 Audited
12/31/18
Cash and cash equivalents   $108,881,961   $153,516,636 $107,061,060 $52,264,308
Investments       $97,781,473       $85,362,728 $86,092,138   $105,444,905
Loans, net     $977,538,113     $972,799,291 $886,431,838 $801,779,549
Bank owned life insurance     $13,239,935       $13,088,565   $12,784,411   $12,487,499
Other assets     $21,974,040       $22,181,794   $17,011,508   $16,657,436
Total Assets $1,219,415,522 $1,246,949,014 $1,109,380,955 $988,633,697
Liabilities and Stockholders' Equity Unaudited 6/30/21 Audited 12/31/20 Audited 12/31/19  Audited 12/31/18 
Total Deposits $1,027,332,067 $1,048,619,471 $948,700,531 $855,828,456
Note Payable $45,906,172 $63,426,647 $42,200,000 $31,081,230
Subordinated debt $12,500,000   $12,500,000 $12,500,000 $12,500,000
Other liabilities $10,379,872 $9,558,419 $6,659,036 $6,636,769
Total Liabilities $1,096,118,111 $1,134,104,537 $1,010,059,567 $906,046,455
Stockholders' Equity $123,297,411 $112,844,477 $99,321,388 $82,587,242
Total Liabilities and Stockholders' Equity $1,219,415,522 $1,246,949,014 $1,109,380,955 $988,633,697
Ratios Unaudited 6/30/21 Audited 12/31/20 Audited 12/31/19   Audited 12/31/18
Book Value per Share $46.24 $42.55 $37.60 $32.09
Loan to Deposit Ratio 97.17% 94.76% 94.61% 94.76%
ALL to Total Loan Ratio 2.08% 2.10% 1.25% 1.14%
Liquidity Ratio 15.58% 18.31% 16.70% 14.53%
Evergreen Bank Group Capital Ratios Unaudited 6/30/21 Audited 12/31/20 Audited 12/31/19   Audited 12/31/18
Tier 1 Capital Ratio 14.03% 13.07% 12.55% 12.02%
Common Equity Ratio 14.03% 13.07% 12.55% 12.02%
Total Capital Ratio 15.29% 14.33% 13.72% 13.08%
Capital Leverage Ratio 12.24% 10.72% 11.17% 10.44%

Income Statements

 Income Statements Unaudited 6/30/21 Audited 12/31/20 Audited 12/31/19 Audited 12/31/18
Interest income on investments and cash in banks $878,891 $2,450,211 $4,094,171 $3,280,189
Interest income on loans $32,143,995 $66,971,471 $61,161,536 $47,839,812
Total Interest Income $33,022,886 $69,421,682 $65,255,707 $51,660,001
Interest on deposits $3,602,433 $14,151,591 $16,529,162 $11,757,607
Interest on debt $928,702 $2,047,230 $2,088,808 $2,102,901
Total Interest Expense $4,531,135 $16,198,821 $18,617,970 $13,860,508
Net Interest Income $28,491,751 $53,222,861 $46,637,737 $37,799,493
Provision for loan losses $1,025,000 $13,900,000 $6,566,000 $4,755,000
Other non interest income $1,611,139 $3,391,081 $2,048,325 $2,054,648
Other non interest expense $14,686,711 $27,545,552 $24,527,008 $22,638,827
Net Income before Taxes $14,391,179 $15,168,390 $17,593,054 $12,460,314
Income tax expense $3,541,304 $3,669,644 $4,520,764 $3,119,818
Net Income $10,849,875 $11,498,746 $13,072,290 $9,340,496
Ratios  Unaudited 6/30/21 Audited 12/31/20 Audited 12/31/19  Audited 12/31/18 
Return on Average Assets 1.79% 0.94% 1.24% 1.00%
Return on Average Equity 18.43% 10.65% 14.27% 14.12%
Return on Average Common Equity 18.43% 10.65% 14.27% 14.12%
Net Interest Margin 4.78% 4.43% 4.44% 4.03%
Efficiency Ratio 48.79% 48.66% 50.38% 56.80%

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