BankFinancial Corporation (NASDAQ:BFIN) Q4 2019 Earnings Conference Call February 19, 2020 10:30 AM ET Company Participants F. Morgan Gasior - Chairman and CEO Conference Call Participants Brian Martin - Jamie Montgomery Operator Ladies and gentlemen, thank you for standing by, and welcome to the BankFinancial Corp Fourth Quarter and Year-to-Date 2019 Review. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator ins ...

Loan and Asset Performance - Total loans decreased by $42.2 million (6.8%) in the multi-family mortgage loan portfolio due to increased prepayments[104] - Total assets decreased by $93.3 million, or 5.9%, to $1.492 billion as of September 30, 2019, primarily due to a decrease in loans receivable and securities[116] - Loans decreased by $109.8 million, or 8.3%, to $1.214 billion, while securities decreased by $22.7 million, or 25.8%[116] - Nonperforming assets decreased by $1.0 million to $1.7 million as of September 30, 2019, from $2.7 million at December 31, 2018[159] - Total nonperforming assets included $1,160,000 in one-to-four family residential real estate loans, a decrease of $237,000 from the previous quarter[158] Deposits and Liabilities - Total deposits declined by $41.4 million (3.1%) from June 30, 2019, attributed to seasonal factors[106] - Total liabilities decreased by $80.1 million, or 5.7%, to $1.318 billion, primarily due to decreases in total deposits and borrowings[120] - Total deposits decreased by $63.7 million, or 4.7%, to $1.289 billion, with retail certificates of deposit increasing by $12.3 million, or 3.7%[120] Income and Expenses - Net interest income before provision for loan losses was stable at $13.2 million for the quarter ended September 30, 2019[108] - Net interest income increased to $13.2 million, reflecting an 8.2% increase in interest income[123] - Noninterest income decreased by $96,000, or 6.1%, to $1.5 million for the three months ended September 30, 2019, compared to $1.6 million for the same period in 2018[133] - Total noninterest expense increased by $84,000, or 0.9%, to $9.5 million for the three months ended September 30, 2019, driven by increases in compensation and benefits, office occupancy, and equipment expenses[135] - Noninterest income decreased by $1.7 million, or 27.1%, to $4.5 million for the nine months ended September 30, 2019, from $6.2 million for the same period in 2018[148] - Total noninterest expense decreased by $520,000, or 1.8%, to $29.1 million for the nine months ended September 30, 2019, from $29.6 million for the same period in 2018[149] Capital and Ratios - The Tier 1 leverage ratio remained strong at 11.43%[109] - The Bank's total capital to risk-weighted assets ratio was 15.46% as of September 30, 2019, exceeding the required minimum of 8.00%[170] - Tier 1 capital to risk-weighted assets ratio was 14.76% as of September 30, 2019, above the required minimum of 6.00%[170] - The minimum capital conservation buffer (CCB) was 2.5% as of September 30, 2019, with the Company maintaining compliance with all capital ratios[169] - The allowance for loan losses as a percentage of nonperforming loans was 527.25% at September 30, 2019, up from 260.54% at June 30, 2019, reflecting a stronger reserve position[133] Net Income and Earnings - Net income for the quarter was $3.9 million, an increase of $187, compared to $3.7 million in the previous quarter[113] - Net income for the three months ended September 30, 2019, was $3.9 million, compared to $3.7 million for the same period in 2018[122] - The company reported net income of $8.3 million for the nine months ended September 30, 2019, down from $11.9 million for the same period in 2018, with earnings per share decreasing to $0.53 from $0.68[137] Interest Rate Sensitivity - As of September 30, 2019, a 100 basis point decrease in interest rates is expected to result in a 1.57% decrease in NPV and a $1.7 million decrease in net interest income[179] - A 200 basis point increase in interest rates is projected to lead to a 1.42% decrease in NPV and a $1.9 million increase in net interest income[180] - The table indicates that a 400 basis point increase in interest rates would result in a $16.4 million decrease in NPV, equating to a 7.78% decline[179] - The methodology for measuring interest rate risk has inherent shortcomings, as it relies on assumptions that may not accurately reflect actual market responses[181] - The sensitivity measurements provided are not intended to serve as precise forecasts of actual results from interest rate changes[181] Shareholder Returns - The company repurchased 1,107,550 common shares, representing 6.7% of the common shares outstanding at December 31, 2018[109] - The Company declared cash dividends of $0.30 per share for the nine months ended September 30, 2019, compared to $0.27 per share for the same period in 2018[170]

BankFinancial Corporation (NASDAQ:BFIN) Q3 2019 Earnings Conference Call October 23, 2019 10:30 AM ET Company Participants F. Morgan Gasior – Chairman and Chief Executive Officer Paul Cloutier – Executive Vice President, Chief Financial Officer and Treasurer Conference Call Participants Kevin Reevey – D.A. Davidson Brian Martin – FIG Partners LLC Operator Ladies and gentlemen, thank you for standing by and welcome to the BankFinancial Corp Third Quarter 2019 Earnings Conference Call. At this time, all parti ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share BFIN The NASDAQ Stock Market LLC Large accelerated filer ¨ Accelerated filer x Non-accelerated filer ¨ Smaller reporting company x Emerging growth company ¨ FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended June 30, 2019 or ¨ TRANSITION RE ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended March 31, 2019 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 0-51331 BANKFINANCIAL CORPORATION (Exact Name of Registrant as Specified in Charter) Maryland 75-3199276 (State or Other Jurisdiction of Incorporat ...

Financial Data and Key Metrics Changes - The company reported a strong linked quarter NIM (Net Interest Margin) expansion without any unusual items affecting the results [8][9] - The company anticipates a cautious optimism regarding NIM expansion in the second quarter, driven by a shift towards C&I (Commercial and Industrial) loans [9][10] Business Line Data and Key Metrics Changes - Loan growth is projected to be around 5% year-over-year, with C&I leading the growth despite a slower start in the first quarter [12][14] - Multifamily loan opportunities are becoming thinner due to market maturity, impacting growth potential [13][14] - Leasing is expected to grow modestly, with a projected growth of 10% to 15% at maximum for 2019, influenced by amortization rates [24][28] Market Data and Key Metrics Changes - The company is experiencing a shift in line utilization, with expectations for longer duration projects to increase utilization rates in the future [16][17] - The competitive landscape in capital markets is intense, with some transactions occurring at zero fees, complicating the fee income outlook [52] Company Strategy and Development Direction - The company is focusing on growing the C&I portfolio while managing risks associated with leasing and multifamily loans [20][21] - There is an ongoing evaluation of smaller community bank acquisition opportunities to enhance the earning asset base and improve efficiency ratios [59] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism regarding asset yields and funding costs, particularly with the Fed's current pause on interest rate changes [41][42] - The company expects to see improvements in asset quality and a potential recovery in ALLL (Allowance for Loan and Lease Losses) due to favorable changes in loss ratios [55][56] Other Important Information - The company plans to continue share repurchases, aiming to buy back approximately 15 million shares over the next 12 months, contingent on market conditions [57][58] - Management indicated that expenses are expected to normalize in the second quarter, with a target of around $9.5 million for the quarter [46][47] Q&A Session Summary Question: NIM expansion and its drivers - Management confirmed that there were no unusual items affecting NIM in the first quarter and expressed optimism for C&I growth in the second quarter [8][9] Question: Loan growth outlook - Management reiterated a 5% growth target for loans, with C&I expected to lead despite challenges in leasing and multifamily sectors [12][14] Question: Line utilization trends - Management noted that line utilization was lower in the first quarter but expects longer duration projects to improve utilization going forward [16][17] Question: Fee income outlook - Management acknowledged a decline in fee income but expects some recovery from line usages and capital markets transactions [52] Question: Share repurchase strategy - Management indicated that there are limited shares left under the current buyback authorization and expects the board to review and potentially expand it soon [60][61]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 0-51331 BANKFINANCIAL CORPORATION (Exact Name of Registrant as Specified Its Charter) Maryland 75-3199276 (State or Other Jurisdiction of Incorporation) ...

BankFinancial Corporation (NASDAQ:BFIN) Q4 2018 Earnings Conference Call January 23, 2019 10:30 AM ET Company Participants Morgan Gasior - Chairman and Chief Executive Officer Conference Call Participants Brian Martin - FIG Partners, LLC Operator Good day, ladies and gentlemen, and welcome to the BankFinancial Corp., Q4 and Year-to-Date 2018 Review Conference Call. Currently at this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will f ...