BankFinancial (BFIN) 8-K Regulation FD Disclosure

Exhibit 99.2

BANKFINANCIAL CORPORATION

SECOND 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
	IIQ			IQ			IVQ			IIIQ			IIQ
PERFORMANCE MEASUREMENTS
Return on assets (ratio of net income to average total assets) (1)	0.64		%	0.47		%	0.57		%	0.66		%	0.22		%
Return on equity (ratio of net income to average equity) (1)	5.08			3.66			4.41			4.86			1.59
Net interest rate spread (1)	3.10			3.15			3.01			3.23			3.21
Net interest margin (1)	3.22			3.26			3.11			3.33			3.31
Efficiency ratio	69.62			82.66			76.23			73.60			79.80
Noninterest expense to average total assets (1)	2.38			2.82			2.59			2.62			2.78
Average interest–earning assets to average interest–bearing liabilities	131.33			132.57			133.71			134.36			136.17
Number of full service offices	19			19			19			19			19
Employees (full time equivalents)	247			242			246			242			253
SUMMARY STATEMENT OF FINANCIAL CONDITION
ASSETS
Cash and due from other financial institutions	$	9,835		$	10,247		$	13,053		$	9,499		$	11,509
Interest-bearing deposits in other financial institutions	71,771			65,219			83,631			91,031			74,048
Securities, at fair value	109,762			110,230			107,212			99,899			105,698
Loans receivable, net	1,335,835			1,319,287			1,312,952			1,241,808			1,207,553
Other real estate owned, net	4,896			5,301			3,895			4,381			5,373
Stock in Federal Home Loan Bank and Federal Reserve Bank, at cost	8,290			8,147			11,650			6,257			6,257
Premises and equipment, net	30,889			31,149			31,413			31,856			32,021
Intangible assets	531			653			782			911			1,040
Bank owned life insurance	22,723			22,657			22,594			22,538			22,484
Deferred taxes	20,676			22,103			22,411			23,715			25,187
Other assets	8,210			8,480			10,444			8,378			8,661
Total assets	$	1,623,418		$	1,603,473		$	1,620,037		$	1,540,273		$	1,499,831
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits	$	1,347,887		$	1,329,282		$	1,339,390		$	1,316,695		$	1,268,602
Borrowings	50,877			52,046			51,069			1,406			1,469
Other liabilities	24,592			20,124			24,798			18,505			23,053
Total liabilities	1,423,356			1,401,452			1,415,257			1,336,606			1,293,124
Stockholders’ equity	200,062			202,021			204,780			203,667			206,707
Total liabilities and stockholders’ equity	$	1,623,418		$	1,603,473		$	1,620,037		$	1,540,273		$	1,499,831

(1)Annualized

Page 2

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

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

	2017						2016
	IIQ			IQ			IVQ			IIIQ			IIQ
SUMMARY STATEMENT OF OPERATIONS
Total interest income	$	13,649		$	13,362		$	12,743		$	12,845		$	12,581
Total interest expense	1,456			1,276			1,148			1,014			952
Net interest income before provision (recovery)	12,193			12,086			11,595			11,831			11,629
Provision for (recovery of) loan losses	49			161			(539		)	(525		)	1,315
Net interest income	12,144			11,925			12,134			12,356			10,314
Noninterest income	1,607			1,544			1,777			1,637			1,537
Noninterest expense	9,607			11,266			10,194			9,912			10,506
Income before income tax	4,144			2,203			3,717			4,081			1,345
Income tax expense	1,572			322			1,458			1,573			514
Net income	$	2,572		$	1,881		$	2,259		$	2,508		$	831
Basic earnings per common share	$	0.14		$	0.10		$	0.12		$	0.13		$	0.04
Diluted earnings per common share	$	0.14		$	0.10		$	0.12		$	0.13		$	0.04
NONINTEREST INCOME AND EXPENSE
Noninterest Income
Deposit service charges and fees	$	569		$	529		$	563		$	583		$	541
Other fee income	490			481			574			478			505
Insurance commissions and annuities income	52			77			122			53			72
Gain on sales of loans, net	53			7			16			38			3
Gain on other assets	—			—			38			—			—
Loan servicing fees	62			68			62			66			75
Amortization of servicing assets	(28		)	(31		)	(32		)	(28		)	(40		)
Recovery of servicing assets	—			—			16			—			3
Earnings on bank owned life insurance	66			63			56			54			46
Trust income	193			172			182			167			165
Other	150			178			180			226			167
Total noninterest income	$	1,607		$	1,544		$	1,777		$	1,637		$	1,537
Noninterest Expense
Compensation and benefits	$	5,110		$	6,352		$	5,734		$	5,315		$	5,713
Office occupancy and equipment	1,599			1,622			1,611			1,487			1,635
Advertising and public relations	259			381			252			144			252
Information technology	679			753			762			707			699
Supplies, telephone, and postage	358			332			346			345			297
Amortization of intangibles	122			129			129			129			129
Nonperforming asset management	27			104			99			89			127
Loss (gain) on sales of other real estate owned	15			16			(113		)	(15		)	(38		)
Valuation adjustments of other real estate owned	54			20			70			115			10
Operations of other real estate owned	176			177			121			143			177
FDIC insurance premiums	125			187			64			238			236
Other	1,083			1,193			1,119			1,215			1,269
Total noninterest expense	$	9,607		$	11,266		$	10,194		$	9,912		$	10,506

Page 3

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

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

	2017						2016
	IIQ			IQ			IVQ			IIIQ			IIQ
LOANS
One–to–four family residential real estate loans	$	115,659		$	122,310		$	135,218		$	142,130		$	147,876
Multi–family mortgage loans	555,691			549,829			542,887			505,369			504,158
Nonresidential real estate loans	177,436			179,896			182,152			186,504			191,685
Construction and land loans	2,265			1,354			1,302			1,005			1,767
Commercial loans	129,200			105,671			103,063			106,878			84,951
Commercial leases	360,397			364,768			352,539			304,753			282,629
Consumer loans	1,829			1,896			2,255			1,846			1,744
	1,342,477			1,325,724			1,319,416			1,248,485			1,214,810
Net deferred loan origination costs	1,480			1,534			1,663			1,657			1,658
Allowance for loan losses	(8,122		)	(7,971		)	(8,127		)	(8,334		)	(8,915		)
Loans, net	$	1,335,835		$	1,319,287		$	1,312,952		$	1,241,808		$	1,207,553
LOAN ORIGINATIONS (1)
One–to–four family residential real estate loans	$	1,708		$	1,141		$	1,426		$	2,322		$	2,279
Multi–family mortgage loans	22,938			25,613			54,954			25,062			18,017
Nonresidential real estate loans	1,577			8,376			9,033			3,518			3,587
Construction and land loans	936			76			359			92			—
Commercial loans	104,571			48,899			49,385			67,919			54,149
Commercial leases (3)	46,821			61,550			87,855			54,717			54,633
Consumer loans	591			636			611			883			1,025
	$	179,142		$	146,291		$	203,623		$	154,513		$	133,690
LOAN PAYMENTS and PAYOFFS (2)
One–to–four family residential real estate loans	$	7,528		$	13,007		$	8,698		$	7,245		$	8,500
Multi–family mortgage loans	16,351			18,464			16,999			24,276			27,188
Nonresidential real estate loans	3,954			9,834			12,697			8,740			30,024
Construction and land loans	25			24			24			852			33
Commercial loans	79,141			46,291			53,147			45,990			45,528
Commercial leases	49,970			47,695			35,984			31,437			48,774
Consumer loans	611			600			633			801			1,080
	$	157,580		$	135,915		$	128,182		$	119,341		$	161,127
LOAN PAYMENTS and PAYOFFS (Loans rated 5 or higher) (2)
One–to–four family residential real estate loans	$	138		$	5		$	350		$	220		$	778
Multi–family mortgage loans	728			770			1,131			1,155			4,163
Nonresidential real estate loans	104			1,792			1,690			500			19,164
Construction and land loans	—			—			—			828			—
Commercial loans	5,980			5,941			5,681			6,037			12,243
Commercial leases	486			498			177			203			197
	$	7,436		$	9,006		$	9,029		$	8,943		$	36,545

(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
	IIQ			IQ			IVQ			IIIQ			IIQ
CREDIT QUALITY:
Nonperforming Assets:
Nonaccrual loans (1):
One–to–four family residential real estate loans	$	2,585		$	2,296		$	2,851		$	2,691		$	2,625
Multi–family mortgage loans	371			106			185			508			1,021
Nonresidential real estate loans	—			—			260			717			754
Nonaccrual loans	2,956			2,402			3,296			3,916			4,400
Loans past due over 90 days, still accruing	—			—			—			—			828
Other real estate owned:
One–to–four family residential real estate loans	1,946			1,986			1,565			2,281			2,433
Multi–family real estate	357			615			370			393			737
Nonresidential real estate	1,736			1,808			1,066			780			1,065
Land	857			892			894			927			1,138
Other real estate owned	4,896			5,301			3,895			4,381			5,373
Nonperforming assets	$	7,852		$	7,703		$	7,191		$	8,297		$	10,601
Asset Quality Ratios
Nonperforming assets to total assets	0.48		%	0.48		%	0.44		%	0.54		%	0.71		%
Nonperforming loans to total loans	0.22			0.18			0.25			0.31			0.43
Nonperforming commercial-related loans to total commercial-related loans (2)	0.03			0.01			0.04			0.11			0.24
Nonperforming residential and consumer loans to total residential and consumer loans	2.20			1.85			2.08			1.87			1.75
Allowance for loan losses to nonperforming loans	274.76			331.85			246.57			212.82			170.52
Concentrations of Credit
Commercial Real Estate for FFIEC Concentration Limits	$	702,476		$	696,933		$	690,879		$	658,887		$	662,493
% FFIEC Total Capital	386.32		%	386.37		%	410.96		%	399.18		%	410.28		%
Multi–family mortgage loans - 50% risk based capital qualified (included above)	$	309,867		$	308,653		$	305,436		$	269,641		$	246,117
% FFIEC Total Capital	170.41		%	171.11		%	181.68		%	163.36		%	152.42		%
Commercial Leases - Investment Grade	$	255,375		$	279,345		$	268,022		$	215,237		$	199,020
Commercial Leases - Other	105,022			85,423			84,517			89,516			83,609

(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
	IIQ			IQ			IVQ			IIIQ			IIQ
SUBSTANDARD PERFORMING LOANS
One–to–four family residential real estate loans	$	364		$	726		$	670		$	475		$	335
Multi–family mortgage loans	487			769			1,048			2,119			2,025
Nonresidential real estate loans	106			108			1,845			2,407			3,194
Construction and land loans	—			—			—			—			830
Commercial loans	1,007			14			66			75			225
Consumer loans	6			—			—			—			2
	$	1,970		$	1,617		$	3,629		$	5,076		$	6,611
PERFORMING LOANS GREATER THAN 30 DAYS PAST DUE
30 – 59 days past due	$	2		$	4,008		$	2,237		$	685		$	171
60 – 89 days past due	99			3			617			419			71
Matured Loans	—			315			270			784			277
	$	101		$	4,326		$	3,124		$	1,888		$	519
ALLOWANCE FOR LOAN LOSSES
Beginning balance	$	7,971		$	8,127		$	8,334		$	8,915		$	9,416
Charge offs:
One–to–four family residential real estate loans	(22		)	(171		)	(30		)	(102		)	(355		)
Multi–family mortgage loans	—			(3		)	(28		)	—			(6		)
Nonresidential real estate loans	—			(165		)	(3		)	(55		)	(1,657		)
Consumer loans	—			—			(1		)	(6		)	(2		)
	(22		)	(339		)	(62		)	(163		)	(2,020		)
Recoveries:
One–to–four family residential real estate loans	79			6			229			5			6
Multi–family mortgage loans	40			11			6			10			9
Nonresidential real estate loans	—			—			—			39			161
Commercial loans	5			5			159			45			28
Commercial leases	—			—			—			7			—
Consumer loans	—			—			—			1			—
	124			22			394			107			204
Net (charge–offs) recoveries	102			(317		)	332			(56		)	(1,816		)
Provision for (recovery of ) loan losses	49			161			(539		)	(525		)	1,315
Ending balance	$	8,122		$	7,971		$	8,127		$	8,334		$	8,915
Allowance for loan losses to total loans	0.61		%	0.60		%	0.62		%	0.67		%	0.73		%
Net (charge–off) recovery ratio (1)	0.03			(0.10		)	0.11			(0.02		)	(0.60		)

(1) Annualized

Page 6

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

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

	2017						2016
	IIQ			IQ			IVQ			IIIQ			IIQ
DEPOSITS
Noninterest–bearing demand	$	229,921		$	234,415		$	249,539		$	234,652		$	231,928
Savings deposits	160,544			161,938			160,002			155,199			158,669
Money market accounts	305,300			304,981			311,183			320,814			315,615
Interest–bearing NOW accounts	286,400			266,157			267,054			263,286			258,083
Certificates of deposits - retail	222,744			219,068			220,602			223,642			223,948
Certificates of deposits - wholesale	142,978			142,723			131,010			119,102			80,359
	$	1,347,887		$	1,329,282		$	1,339,390		$	1,316,695		$	1,268,602
SELECTED AVERAGE BALANCES
Total average assets	$	1,612,121		$	1,595,191		$	1,576,345		$	1,511,475		$	1,510,115
Total average interest–earning assets	1,519,573			1,502,146			1,481,775			1,414,736			1,413,161
Average loans	1,318,473			1,313,299			1,253,224			1,225,480			1,210,726
Average securities	109,454			113,756			99,767			106,904			108,865
Average stock in FHLB & FRB	8,250			9,158			8,133			6,257			6,257
Average other interest–earning assets	83,396			65,933			120,651			76,095			87,313
Total average interest–bearing liabilities	1,157,060			1,133,098			1,108,181			1,052,916			1,037,781
Average interest–bearing deposits	1,105,881			1,083,792			1,088,265			1,050,935			1,034,674
Average borrowings	51,179			49,306			19,916			1,981			3,107
Average stockholders’ equity	202,360			205,379			205,071			206,237			209,231
SELECTED YIELDS AND COST OF FUNDS (1):
Total average interest–earning assets	3.60		%	3.61		%	3.42		%	3.61		%	3.58		%
Average loans	3.94			3.94			3.87			4.02			4.02
Average securities	1.31			1.24			1.20			1.14			1.13
Average other interest–earning assets	1.13			0.95			0.78			0.73			0.75
Total average interest–bearing liabilities	0.50			0.46			0.41			0.38			0.37
Average interest–bearing deposits	0.47			0.44			0.41			0.38			0.37
Average borrowings	1.19			0.79			0.64			0.40			0.26
Net interest rate spread	3.10			3.15			3.01			3.23			3.21
Net interest margin	3.22			3.26			3.11			3.33			3.31

(1)     Annualized

Page 7

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

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

	2017						2016
	IIQ			IQ			IVQ			IIIQ			IIQ
CAPITAL RATIOS
BankFinancial Corporation
Equity to total assets (end of period)	12.32		%	12.60		%	12.64		%	13.22		%	13.78		%
Tangible equity to tangible total assets (end of period)	12.29			12.56			12.60			13.17			13.72
Risk–based total capital ratio	16.29			16.65			16.96			17.64			18.09
Common Tier 1 (CET1)	15.59			15.96			16.25			16.87			17.26
Risk–based tier 1 capital ratio	15.59			15.96			16.25			16.87			17.26
Tier 1 leverage ratio	11.42			11.58			11.92			12.28			12.41
Tier 1 capital	$	182,088		$	182,508		$	185,718		$	183,092		$	184,695
BankFinancial, NA
Risk–based total capital ratio	15.57		%	15.76		%	14.72		%	15.21		%	15.09		%
Common Tier 1 (CET1)	14.88			15.06			14.01			14.44			14.26
Risk–based tier 1 capital ratio	14.88			15.06			14.01			14.44			14.26
Tier 1 leverage ratio	10.89			10.94			10.27			10.51			10.25
Tier 1 capital	$	173,717		$	172,410		$	159,986		$	156,725		$	152,559
COMMON STOCK AND DIVIDENDS
Stock Prices:
Close	$	14.92		$	14.52		$	14.82		$	12.70		$	11.99
High	15.31			15.24			15.12			12.80			12.89
Low	13.43			13.13			12.15			11.75			11.38
Common shares outstanding	18,229,860			18,440,440			19,233,760			19,271,211			19,678,697
Book value per share	$	10.97		$	10.96		$	10.65		$	10.57		$	10.50
Tangible book value per share	$	10.95		$	10.92		$	10.61		$	10.52		$	10.45
Cash dividends declared on common stock	$	0.07		$	0.06		$	0.06		$	0.05		$	0.05
Dividend payout ratio	49.94		%	61.42		%	51.09		%	38.82		%	119.60		%
Stock repurchases	$	3,188		$	3,379		$	520		$	5,022		$	3,280
Stock repurchases – shares	216,391			232,045			37,451			407,486			260,803
EARNINGS PER SHARE COMPUTATIONS
Net income	$	2,572		$	1,881		$	2,259		$	2,508		$	831
Average common shares outstanding	18,330,972			19,243,941			19,257,435			19,460,022			19,827,581
Less: Unearned ESOP shares	—			(600,947		)	(645,751		)	(670,351		)	(694,773		)
Unvested restricted stock shares	(940		)	(940		)	(940		)	(940		)	(2,690		)
Weighted average common shares outstanding	18,330,032			18,642,054			18,610,744			18,788,731			19,130,118
Plus: Dilutive common shares equivalents	423			5,462			170,683			323			317
Weighted average dilutive common shares outstanding	18,330,455			18,647,516			18,781,427			18,789,054			19,130,435
Basic earnings per common share	$	0.14		$	0.10		$	0.12		$	0.13		$	0.04
Diluted earnings per common share	$	0.14		$	0.10		$	0.12		$	0.13		$	0.04
Number of anti–dilutive stock options excluded from the diluted earnings per share calculation	—			—			—			536,459			536,459
Weighted average exercise price of anti–dilutive options	$	—		$	—		$	—		$	12.99		$	12.99

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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)

	Three Months Ended June 30,						Six Months Ended June 30,
	2017			2016			2017			2016
Pre–tax pre–provision earnings from adjusted operations
Income before income taxes	$	4,144		$	1,345		$	6,347		$	4,402
Provision for loan losses	49			1,315			210			825
	4,193			2,660			6,557			5,227
Adjustments:
Equity-based compensation	—			391			1,076			768
Nonperforming asset management	27			127			131			211
Loss (gain) on sale of other real estate owned	15			(38		)	31			—
Valuation adjustments of other real estate owned	54			10			74			129
Operations of other real estate owned	176			177			353			396
Adjustments	272			667			1,665			1,504
Pre–tax pre–provision earnings from adjusted operations	$	4,465		$	3,327		$	8,222		$	6,731
Pre–tax pre–provision earnings from adjusted operations to average total assets (1)	1.11		%	0.88		%	1.03		%	0.89		%

(1) Annualized

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BANKFINANCIAL CORPORATION

NON-GAAP FINANCIAL MEASURES

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

FOR THE LATEST FIVE QUARTERS

	2017						2016
	IIQ			IQ			IVQ			IIIQ			IIQ
Pre–tax pre–provision (recovery) earnings from adjusted operations
Income before income taxes	$	4,144		$	2,203		$	3,717		$	4,081		$	1,345
Provision for (recovery of) loan losses	49			161			(539		)	(525		)	1,315
	4,193			2,364			3,178			3,556			2,660
Adjustments:
Equity-based compensation	—			1,076			107			107			391
Nonperforming asset management	27			104			99			89			127
Loss (gain) on sale of other real estate owned	15			16			(113		)	(15		)	(38		)
Valuation adjustments of other real estate owned	54			20			70			115			10
Operations of other real estate owned	176			177			121			143			177
	272			1,393			284			439			667
Pre–tax pre–provision (recovery) earnings from adjusted operations	$	4,465		$	3,757		$	3,462		$	3,995		$	3,327
Pre–tax pre–provision (recovery) earnings from adjusted operations to average total assets (1)	1.11		%	0.94		%	0.88		%	1.06		%	0.88		%

(1) Annualized

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