BankFinancial (BFIN) 8-K Regulation FD Disclosure

Exhibit 99.2

BANKFINANCIAL CORPORATION

FIRST QUARTER 2017

QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT

FOR THE LATEST FIVE QUARTERS

Note: Certain reclassifications have been made in the prior period’s financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period’s presentation.

The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected quarterly and period–end historical financial statements prepared in accordance with accounting principles generally accepted in the United States. BankFinancial Corporation is under no obligation to update, keep current, or continue to provide the information contained herein. This information is provided solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or establish any business relationships with BankFinancial Corporation or its subsidiary.

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
PERFORMANCE MEASUREMENTS
Return on assets (ratio of net income to average total assets) (1)	0.47		%	0.57		%	0.66		%	0.22		%	0.50		%
Return on equity (ratio of net income to average equity) (1)	3.66			4.41			4.86			1.59			3.59
Net interest rate spread (1)	3.15			3.01			3.23			3.21			3.30
Net interest margin (1)	3.26			3.11			3.33			3.31			3.39
Efficiency ratio	82.66			76.23			73.60			79.80			80.98
Noninterest expense to average total assets (1)	2.82			2.59			2.62			2.78			2.89
Average interest–earning assets to average interest–bearing liabilities	132.57			133.71			134.36			136.17			136.26
Number of full service offices	19			19			19			19			19
Employees (full time equivalents)	242			246			242			253			255
SUMMARY STATEMENT OF FINANCIAL CONDITION
ASSETS
Cash and due from other financial institutions	$	10,247		$	13,053		$	9,499		$	11,509		$	10,238
Interest-bearing deposits in other financial institutions	65,219			83,631			91,031			74,048			55,705
Securities, at fair value	110,230			107,212			99,899			105,698			111,386
Loans receivable, net	1,319,287			1,312,952			1,241,808			1,207,553			1,232,485
Other real estate owned, net	5,301			3,895			4,381			5,373			5,629
Stock in Federal Home Loan Bank and Federal Reserve Bank, at cost	8,147			11,650			6,257			6,257			6,257
Premises and equipment, net	31,149			31,413			31,856			32,021			32,308
Intangible assets	653			782			911			1,040			1,169
Bank owned life insurance	22,657			22,594			22,538			22,484			22,438
Deferred taxes	22,103			22,411			23,715			25,187			25,641
Other assets	8,480			10,444			8,378			8,661			8,552
Total assets	$	1,603,473		$	1,620,037		$	1,540,273		$	1,499,831		$	1,511,808
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits	$	1,329,282		$	1,339,390		$	1,316,695		$	1,268,602		$	1,264,689
Borrowings	52,046			51,069			1,406			1,469			17,621
Other liabilities	20,124			24,798			18,505			23,053			20,010
Total liabilities	1,401,452			1,415,257			1,336,606			1,293,124			1,302,320
Stockholders’ equity	202,021			204,780			203,667			206,707			209,488
Total liabilities and stockholders’ equity	$	1,603,473		$	1,620,037		$	1,540,273		$	1,499,831		$	1,511,808

(1)Annualized

Page 2

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
SUMMARY STATEMENT OF OPERATIONS
Total interest income	$	13,362		$	12,743		$	12,845		$	12,581		$	12,759
Total interest expense	1,276			1,148			1,014			952			856
Net interest income before provision (recovery)	12,086			11,595			11,831			11,629			11,903
Provision for (recovery of) loan losses	161			(539		)	(525		)	1,315			(490		)
Net interest income	11,925			12,134			12,356			10,314			12,393
Noninterest income	1,544			1,777			1,637			1,537			1,594
Noninterest expense	11,266			10,194			9,912			10,506			10,930
Income before income tax	2,203			3,717			4,081			1,345			3,057
Income tax expense	322			1,458			1,573			514			1,153
Net income	$	1,881		$	2,259		$	2,508		$	831		$	1,904
Basic earnings per common share	$	0.10		$	0.12		$	0.13		$	0.04		$	0.10
Diluted earnings per common share	$	0.10		$	0.12		$	0.13		$	0.04		$	0.10
NONINTEREST INCOME AND EXPENSE
Noninterest Income
Deposit service charges and fees	$	529		$	563		$	583		$	541		$	567
Other fee income	481			574			478			505			495
Insurance commissions and annuities income	77			122			53			72			55
Gain on sales of loans, net	7			16			38			3			18
Gain on sale of securities	—			—			—			—			46
Gain on other assets	—			38			—			—			—
Loan servicing fees	68			62			66			75			73
Amortization of servicing assets	(31		)	(32		)	(28		)	(40		)	(28		)
Recovery (impairment) of servicing assets	—			16			—			3			(3		)
Earnings on bank owned life insurance	63			56			54			46			51
Trust income	172			182			167			165			160
Other	178			180			226			167			160
Total noninterest income	$	1,544		$	1,777		$	1,637		$	1,537		$	1,594
Noninterest Expense
Compensation and benefits	$	6,352		$	5,734		$	5,315		$	5,713		$	5,993
Office occupancy and equipment	1,622			1,611			1,487			1,635			1,647
Advertising and public relations	381			252			144			252			222
Information technology	753			762			707			699			724
Supplies, telephone, and postage	332			346			345			297			376
Amortization of intangibles	129			129			129			129			136
Nonperforming asset management	104			99			89			127			84
Loss (gain) on sales of other real estate owned	16			(113		)	(15		)	(38		)	38
Valuation adjustments of other real estate owned	20			70			115			10			119
Operations of other real estate owned	177			121			143			177			219
FDIC insurance premiums	187			64			238			236			217
Other	1,193			1,119			1,215			1,269			1,155
Total noninterest expense	$	11,266		$	10,194		$	9,912		$	10,506		$	10,930

Page 3

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
LOANS
One–to–four family residential real estate loans	$	122,310		$	135,218		$	142,130		$	147,876		$	154,588
Multi–family mortgage loans	549,829			542,887			505,369			504,158			513,450
Nonresidential real estate loans	179,896			182,152			186,504			191,685			219,339
Construction and land loans	1,354			1,302			1,005			1,767			1,799
Commercial loans	105,671			103,063			106,878			84,951			76,325
Commercial leases	364,768			352,539			304,753			282,629			272,849
Consumer loans	1,896			2,255			1,846			1,744			1,890
	1,325,724			1,319,416			1,248,485			1,214,810			1,240,240
Net deferred loan origination costs	1,534			1,663			1,657			1,658			1,661
Allowance for loan losses	(7,971		)	(8,127		)	(8,334		)	(8,915		)	(9,416		)
Loans, net	$	1,319,287		$	1,312,952		$	1,241,808		$	1,207,553		$	1,232,485
LOAN ORIGINATIONS (1)
One–to–four family residential real estate loans	$	1,141		$	1,426		$	2,322		$	2,279		$	1,637
Multi–family mortgage loans	25,613			54,954			25,062			18,017			24,385
Nonresidential real estate loans	8,376			9,033			3,518			3,587			5,002
Construction and land loans	76			359			92			—			198
Commercial loans	48,899			49,385			67,919			54,149			35,771
Commercial leases (3)	61,550			87,855			54,717			54,633			39,303
Consumer loans	636			611			883			1,025			588
	$	146,291		$	203,623		$	154,513		$	133,690		$	106,884
LOAN PAYMENTS and PAYOFFS (2)
One–to–four family residential real estate loans	$	12,770		$	8,698		$	7,245		$	8,500		$	6,413
Multi–family mortgage loans	18,464			16,999			24,276			27,188			17,082
Nonresidential real estate loans	9,834			12,697			8,740			30,024			11,878
Construction and land loans	24			24			852			33			57
Commercial loans	46,291			53,147			45,990			45,528			39,030
Commercial leases	47,695			35,984			31,437			48,774			31,552
Consumer loans	600			633			801			1,080			664
	$	135,678		$	128,182		$	119,341		$	161,127		$	106,676
LOAN PAYMENTS and PAYOFFS (Loans rated 5 or higher) (2)
One–to–four family residential real estate loans	$	5		$	350		$	220		$	778		$	441
Multi–family mortgage loans	770			1,131			1,155			4,163			5,117
Nonresidential real estate loans	1,792			1,690			500			19,164			409
Construction and land loans	—			—			828			—			24
Commercial loans	5,941			5,681			6,037			12,243			7,861
Commercial leases	498			177			203			197			194
	$	9,006		$	9,029		$	8,943		$	36,545		$	14,046

(1) Loan originations include draws on revolving lines of credit and exclude loan renewals.

(2) Loan payments and payoffs exclude loan renewals.

(3) Commercial lease originations include $20.4 and $55.0 million purchased investment grade commercial leases for the quarters ended March 31, 2017 and December 31, 2016, respectively.

Page 4

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
CREDIT QUALITY:
Nonperforming Assets:
Nonaccrual loans (1):
One–to–four family residential real estate loans	$	2,296		$	2,851		$	2,691		$	2,625		$	3,370
Multi–family mortgage loans	106			185			508			1,021			953
Nonresidential real estate loans	—			260			717			754			295
Construction and land loans	—			—			—			—			803
Nonaccrual loans	2,402			3,296			3,916			4,400			5,421
Loans past due over 90 days, still accruing	—			—			—			828			—
Other real estate owned:
One–to–four family residential real estate loans	1,986			1,565			2,281			2,433			2,619
Multi–family real estate	615			370			393			737			737
Nonresidential real estate	1,808			1,066			780			1,065			1,135
Land	892			894			927			1,138			1,138
Other real estate owned	5,301			3,895			4,381			5,373			5,629
Nonperforming assets	$	7,703		$	7,191		$	8,297		$	10,601		$	11,050
Asset Quality Ratios
Nonperforming assets to total assets	0.48		%	0.44		%	0.54		%	0.71		%	0.73		%
Nonperforming loans to total loans	0.18			0.25			0.31			0.43			0.44
Nonperforming commercial-related loans to total commercial-related loans (2)	0.01			0.04			0.11			0.24			0.19
Nonperforming residential and consumer loans to total residential and consumer loans	1.85			2.08			1.87			1.75			2.15
Allowance for loan losses to nonperforming loans	331.85			246.57			212.82			170.52			173.69
Concentrations of Credit
Commercial Real Estate for FFIEC Concentration Limits	$	696,933		$	690,879		$	658,887		$	662,493		$	685,732
% FFIEC Total Capital	386.37		%	410.96		%	399.18		%	410.28		%	392.73		%
Multi–family mortgage loans - 50% risk based capital qualified (included above)	$	308,653		$	305,436		$	269,641		$	246,117		$	238,922
% FFIEC Total Capital	171.11		%	181.68		%	163.36		%	152.42		%	136.84		%
Commercial Leases - Investment Grade	$	279,235		$	268,022		$	215,237		$	199,020		$	182,057
Commercial Leases - Other	85,533			84,517			89,516			83,609			90,792

(1) Purchased impaired loans are combined with nonaccrual loans in the above table.

(2) Commercial-related loans include Multi-family mortgage, Nonresidential, Construction, Land and Commercial loans and Leases.

Page 5

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
SUBSTANDARD PERFORMING LOANS
One–to–four family residential real estate loans	$	726		$	670		$	475		$	335		$	440
Multi–family mortgage loans	769			1,048			2,119			2,025			3,347
Nonresidential real estate loans	108			1,845			2,407			3,194			4,981
Construction and land loans	—			—			—			830			—
Commercial loans	14			66			75			225			137
Consumer loans	—			—			—			2			—
	$	1,617		$	3,629		$	5,076		$	6,611		$	8,905
PERFORMING LOANS GREATER THAN 30 DAYS PAST DUE
30 – 59 days past due	$	4,008		$	2,237		$	685		$	171		$	3,012
60 – 89 days past due	3			617			419			71			30
Matured Loans	315			270			784			277			1,387
	$	4,326		$	3,124		$	1,888		$	519		$	4,429
ALLOWANCE FOR LOAN LOSSES
Beginning balance	$	8,127		$	8,334		$	8,915		$	9,416		$	9,691
Charge offs:
One–to–four family residential real estate loans	(171		)	(30		)	(102		)	(355		)	(52		)
Multi–family mortgage loans	(3		)	(28		)	—			(6		)	(45		)
Nonresidential real estate loans	(165		)	(3		)	(55		)	(1,657		)	(3		)
Consumer loans	—			(1		)	(6		)	(2		)	(16		)
	(339		)	(62		)	(163		)	(2,020		)	(116		)
Recoveries:
One–to–four family residential real estate loans	6			229			5			6			81
Multi–family mortgage loans	11			6			10			9			137
Nonresidential real estate loans	—			—			39			161			—
Construction and land loans	—			—			—			—			35
Commercial loans	5			159			45			28			77
Commercial leases	—			—			7			—			—
Consumer loans	—			—			1			—			1
	22			394			107			204			331
Net (charge–offs) recoveries	(317		)	332			(56		)	(1,816		)	215
Provision for (recovery of ) loan losses	161			(539		)	(525		)	1,315			(490		)
Ending balance	$	7,971		$	8,127		$	8,334		$	8,915		$	9,416
Allowance for loan losses to total loans	0.60		%	0.62		%	0.67		%	0.73		%	0.76		%
Net (charge–off) recovery ratio (1)	(0.10		)	0.11			(0.02		)	(0.60		)	0.07

(1) Annualized

Page 6

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
DEPOSITS
Noninterest–bearing demand	$	234,415		$	249,539		$	234,652		$	231,928		$	238,848
Savings deposits	161,938			160,002			155,199			158,669			161,554
Money market accounts	304,981			311,183			320,814			315,615			323,197
Interest–bearing NOW accounts	266,157			267,054			263,286			258,083			247,434
Certificates of deposits - retail	219,068			220,602			223,642			223,948			221,101
Certificates of deposits - wholesale	142,723			131,010			119,102			80,359			72,555
	$	1,329,282		$	1,339,390		$	1,316,695		$	1,268,602		$	1,264,689
SELECTED AVERAGE BALANCES
Total average assets	$	1,595,191		$	1,576,345		$	1,511,475		$	1,510,115		$	1,513,683
Total average interest–earning assets	1,502,146			1,481,775			1,414,736			1,413,161			1,414,008
Average loans	1,313,299			1,253,224			1,225,480			1,210,726			1,238,270
Average securities	113,756			99,767			106,904			108,865			118,557
Average stock in FHLB & FRB	9,158			8,133			6,257			6,257			6,257
Average other interest–earning assets	65,933			120,651			76,095			87,313			50,924
Total average interest–bearing liabilities	1,133,098			1,108,181			1,052,916			1,037,781			1,037,730
Average interest–bearing deposits	1,083,792			1,088,265			1,050,935			1,034,674			962,823
Average borrowings	49,306			19,916			1,981			3,107			74,907
Average stockholders’ equity	205,379			205,071			206,237			209,231			212,322
SELECTED YIELDS AND COST OF FUNDS (1):
Total average interest–earning assets	3.61		%	3.42		%	3.61		%	3.58		%	3.63		%
Average loans	3.94			3.87			4.02			4.02			4.01
Average securities	1.24			1.20			1.14			1.13			1.07
Average other interest–earning assets	0.95			0.78			0.73			0.75			0.69
Total average interest–bearing liabilities	0.46			0.41			0.38			0.37			0.33
Average interest–bearing deposits	0.44			0.41			0.38			0.37			0.33
Average borrowings	0.79			0.64			0.40			0.26			0.37
Net interest rate spread	3.15			3.01			3.23			3.21			3.30
Net interest margin	3.26			3.11			3.33			3.31			3.39

(1)     Annualized

Page 7

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
CAPITAL RATIOS
BankFinancial Corporation
Equity to total assets (end of period)	12.60		%	12.64		%	13.22		%	13.78		%	13.86		%
Tangible equity to tangible total assets (end of period)	12.56			12.60			13.17			13.72			13.79
Risk–based total capital ratio	16.65			16.96			17.64			18.09			17.80
Common Tier 1 (CET1)	15.96			16.25			16.87			17.26			16.95
Risk–based tier 1 capital ratio	15.96			16.25			16.87			17.26			16.95
Tier 1 leverage ratio	11.58			11.92			12.28			12.41			12.53
Tier 1 capital	$	182,508		$	185,718		$	183,092		$	184,695		$	186,964
BankFinancial, NA
Risk–based total capital ratio	15.76		%	14.72		%	15.21		%	15.09		%	15.83		%
Common Tier 1 (CET1)	15.06			14.01			14.44			14.26			14.98
Risk–based tier 1 capital ratio	15.06			14.01			14.44			14.26			14.98
Tier 1 leverage ratio	10.94			10.27			10.51			10.25			11.08
Tier 1 capital	$	172,410		$	159,986		$	156,725		$	152,559		$	165,183
COMMON STOCK AND DIVIDENDS
Stock Prices:
Close	$	14.52		$	14.82		$	12.70		$	11.99		$	11.82
High	15.24			15.12			12.80			12.89			13.29
Low	13.13			12.15			11.75			11.38			11.42
Common shares outstanding	18,440,440			19,233,760			19,271,211			19,678,697			19,939,500
Book value per share	$	10.96		$	10.65		$	10.57		$	10.50		$	10.51
Tangible book value per share	$	10.92		$	10.61		$	10.52		$	10.45		$	10.45
Cash dividends declared on common stock	$	0.06		$	0.06		$	0.05		$	0.05		$	0.05
Dividend payout ratio	61.42		%	51.09		%	38.82		%	119.60		%	53.50		%
Stock repurchases	$	3,379		$	520		$	5,022		$	3,280		$	4,393
Stock repurchases – shares	232,045			37,451			407,486			260,803			357,817
EARNINGS PER SHARE COMPUTATIONS
Net income	$	1,881		$	2,259		$	2,508		$	831		$	1,904
Average common shares outstanding	19,243,941			19,257,435			19,460,022			19,827,581			20,155,541
Less: Unearned ESOP shares	(600,947		)	(645,751		)	(670,351		)	(694,773		)	(719,109		)
Unvested restricted stock shares	(940		)	(940		)	(940		)	(2,690		)	(7,881		)
Weighted average common shares outstanding	18,642,054			18,610,744			18,788,731			19,130,118			19,428,551
Plus: Dilutive common shares equivalents	5,462			170,683			323			317			2,939
Weighted average dilutive common shares outstanding	18,647,516			18,781,427			18,789,054			19,130,435			19,431,490
Basic earnings per common share	$	0.10		$	0.12		$	0.13		$	0.04		$	0.10
Diluted earnings per common share	$	0.10		$	0.12		$	0.13		$	0.04		$	0.10
Number of anti–dilutive stock options excluded from the diluted earnings per share calculation	—			—			536,459			536,459			1,752,156
Weighted average exercise price of anti–dilutive options	$	—		$	—		$	12.99		$	12.99		$	12.30

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BANKFINANCIAL CORPORATION

NON–GAAP FINANCIAL MEASURES

BankFinancial Corporation, a Maryland corporation (“the Company”) utilizes a number of different financial measures, both GAAP and non–GAAP, in making operating, budgeting and planning decisions for future periods. Generally, a non–GAAP financial measure is a numerical measure of a company’s performance, financial position or cash flows that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with generally accepted accounting principles in the United States, or GAAP. The Company believes that the use of the non–GAAP financial measures described below provides the Board of Directors and management, and may provide some investors, with a more complete understanding of the Company’s operating results and trends, and facilitate comparisons to historical and peer performance. The Company’s non–GAAP financial measures should be considered supplemental in nature and should not be considered in isolation, or as superior to or a substitute for, financial measures that are prepared in accordance with GAAP. In addition, the Company’s non–GAAP financial measures may differ from similar non–GAAP financial measures that are used by other companies, thus limiting their usefulness as a comparative tool.

These measures include pre–tax pre–provision earnings from adjusted operations and pre–tax pre–provision earnings from adjusted operations to average total assets. Management believes that by excluding equity-based compensation expense, other real estate owned related income and expense items and nonperforming asset management expenses from noninterest expense, these measures better reflect our adjusted operating performance.

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BANKFINANCIAL CORPORATION

NON-GAAP FINANCIAL MEASURES

(Dollars in thousands, except per share) - (Unaudited)

FOR THE LATEST FIVE QUARTERS

	2017			2016
	IQ			IVQ			IIIQ			IIQ			IQ
Pre–tax pre–provision earnings from adjusted operations
Income before income taxes	$	2,203		$	3,717		$	4,081		$	1,345		$	3,057
Provision for (recovery of) loan losses	161			(539		)	(525		)	1,315			(490		)
	2,364			3,178			3,556			2,660			2,567
Adjustments:
Equity-based compensation	1,076			107			107			391			377
Nonperforming asset management	104			99			89			127			84
Loss (gain) on sale of other real estate owned	16			(113		)	(15		)	(38		)	38
Valuation adjustments of other real estate owned	20			70			115			10			119
Operations of other real estate owned	177			121			143			177			219
	1,393			284			439			667			837
Pre–tax pre–provision earnings from adjusted operations	$	3,757		$	3,462		$	3,995		$	3,327		$	3,404
Pre–tax pre–provision earnings from adjusted operations to average total assets (1)	0.94		%	0.88		%	1.06		%	0.88		%	0.90		%

(1) Annualized

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