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FINANCIAL INFORMATION

CONSOLIDATED - BANCORP FINANCIAL, INC.

Contact: Jill Voss, Chief Financial Officer

630-413-9563


BALANCE SHEETS

Assets Unaudited 3/31/17 Audited 12/31/16 Audited 12/31/15
Cash and cash equivalents $80,178,268 $65,922,197 $89,362,990
Investments 86,750,357 83,680,668 75,883,692
Loans, net 614,881,394618,619,147 530,544,880
Bank owned life insurance 11,972,697 11,896,507 11,579,259
Other assets 15,417,635 13,128,095 9,015,378
Total Assets $809,200,351$793,246,614$716,386,199
Liabilities and Stockholders' Equity
Total Deposits $717,523,625 $709,101,848 $644,502,922
Note Payable 18,781,230 16,781,230 11,281,230
Subordinated debt 12,500,000 12,500,000 12,500,000
Other liabilites 8,134,880 4,478,430 3,466,192
Total Liabilities $756,939,735$742,861,508 $671,750,344
Stockholders' Equity$52,260,616$50,385,106$44,635,855
Total Liabilities and Stockholders' Equity$809,200,351$793,246,614$716,386,199
Ratios
Book Value per Share $25.85 $24.92 $22.52
Loan to Deposit Ratio 86.72% 88.26% 83.34%
ALL to Total Loan Ratio 1.18% 1.16%1.23%
Liquidity Ratio 19.88% 17.96% 21.70%
Evergreen Bank Group Capital Ratios:
Tier 1 Capital Ratio 12.12%11.63% 11.42%
Common Equity Ratio 12.12%11.63% N/A
Total Capital Ratio 13.22%12.72% 12.58%
Capital Leverage Ratio 10.22%10.14% 9.46%

INCOME STATEMENTS

Interest income on investments and cash in banks $581,642 $2,011,872 $1,254,925
Interest income on loans 8,740,739 32,801,956 28,214,622
Total Interest Income $9,322,381$34,813,828$29,469,547
Interest on deposits 1,543,915 5,197,879 4,375,715
Interest on debt 392,331 1,327,709 313,090
Total Interest Expense $1,936,246 $6,525,588 $4,688,805
Net Interest Income $7,386,135 $28,288,240 $24,780,742
Provision for loan losses 1,075,000 3,350,000 2,270,000
Other non interest income 886,218 1,806,121 1,526,705
Other non interest expense 4,952,432 17,191,757 14,867,504
Net Income before Taxes $2,244,921 $9,552,604 $9,169,943
Income tax expense 765,625 3,324,450 3,191,488
Net Income $1,479,296 $6,228,154 $5,978,455
Dividends on preferred shares 0 0(311,004)
Net Income available to common shareholders $1,479,296 $6,228,154 $5,667,451
Ratios
Return on Average Assets 0.75% 0.85% 0.87%
Return on Average Equity 11.53%12.70% 11.22%
Return on Average Common Equity 11.53%12.70% 13.58%
Net Interest Margin 3.90% 3.92% 3.83%
Efficiency Ratio 59.87%56.87% 56.16%

About the Bank


Bancorp Financial is the bank holding company for Evergreen Bank Group, an Illinois-chartered bank headquartered in Oak Brook, Illinois. Evergreen provides full-service, community and business banking from its three Illinois branch locations; Oak Brook, Evergreen Park, and Hinsdale. Evergreen also provides comprehensive motorsport financing from a loan production office located in Reno, Nevada operating under the name FreedomRoad Financial and Performance Finance.