BankFinancial, FSB

21110 South Western Avenue
Olympia Fields, IL 60461
800-894-6900
www.bankfinancial.com

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BankFinancial, FSB is headquartered in Olympia Fields and is the 25^th largest bank in the state of Illinois. It is also the 457^th largest bank in the nation. It was established in 1924 and as of December of 2012, it had grown to 352 employees at 22 locations. BankFinancial, FSB has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

BankFinancial, FSB Checking Account Rates

Apy	Min	Max	Product
0.15%	$10k	-	Spectrum Select Checking
0.15%	$10k	-	Purple Checking
0.10%	-	-	Public Funds Checking
0.05%	$500	-	Personal Interest Checking
0.05%	-	-	Lifestyle 50 Checking
0.05%	-	-	Graduate Student Checking
0.05%	-	-	Spectrum Direct Checking
0.05%	$1k	-	Small Business Checking

BankFinancial, FSB Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Purple Savings
0.20%	$10k	-	Retirement Management
0.10%	-	-	Kids Savings
0.10%	-	-	Personal Savings

BankFinancial, FSB Money Market Rates

Apy	Min	Max	Product
0.35%	$10k	-	Spectrum Select Money Market
0.35%	$10k	-	Spectrum Select Business Money Market
0.35%	$10k	$500k	Purple Money Market
0.20%	$10k	-	Personal Money Market
0.20%	$10k	-	Business Money Market

BankFinancial, FSB CD Rates

Apy	Min	Max	Product
0.95%	$1k	-	5 Year CD
0.75%	$1k	-	4 Year CD
0.60%	$10k	-	22 Month Spectrum CD
0.60%	$10k	-	22 Month Spectrum Business CD
0.60%	$1k	-	21 Month Purple CD
0.55%	$1k	-	3 Year CD
0.55%	$10k	-	3 Year CDARS
0.45%	$10k	-	15 Month Spectrum CD
0.45%	$10k	-	15 Month Spectrum Business CD
0.45%	$1k	-	14 Month Purple CD
0.40%	$1k	-	2.5 Year CD
0.40%	$100k	-	2 Year Spectrum CDARS
0.35%	$10k	-	11 Month Spectrum CD
0.35%	$10k	-	11 Month Spectrum Business CD
0.35%	$1k	-	2 Year CD
0.35%	$10k	-	2 Year CDARS
0.35%	$1k	-	2 Year Goal Setter CD
0.30%	$1k	-	1.5 Year CD
0.30%	$100k	-	1 Year Spectrum CDARS
0.25%	$1k	-	1 Year CD
0.25%	$1k	-	18 Month Jump Rate CD
0.25%	$10k	-	1 Year CDARS
0.25%	$1k	-	1 Year Goal Setter CD
0.20%	$1k	-	6 Month CD
0.20%	$10k	-	6 Month CDARS
0.20%	$1k	-	10 Month Tax Deferred CD
0.20%	$1k	-	6 Month Goal Setter CD
0.15%	$1k	-	91 Day CD
0.09%	$1k	-	18 Month Variable Rate CD

BankFinancial, FSB IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	5 Year IRA
0.80%	$500	-	4 Year IRA
0.60%	$500	-	3 Year IRA
0.45%	$500	-	2.5 Year IRA
0.40%	$500	-	2 Year IRA
0.35%	$500	-	1.5 Year IRA
0.30%	$500	-	1 Year IRA
0.30%	$1k	-	18 Month Jump Rate IRA
0.25%	$500	-	6 Month IRA
0.20%	$500	-	91 Day IRA
0.09%	$500	-	18 Month Variable Rate IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

BankFinancial, FSB
OTS #	02402
FDIC Certificate #	28808
BankRate Report	View
Year Established	1924
Employees	352
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.48 billion
Loans	$1.03 billion
Deposits	$1.30 billion
Equity Capital	$145.79 million
Loan Loss Allowance	$18.04 million
Unbacked Noncurrent Loans	$28.48 million
Real Estate Owned	$10.36 million
Historic Data - December 2011
Assets	$1.56 billion
Equity Capital	$171.19 million
Loan Loss Allowance	$31.73 million
Unbacked Noncurrent Loans	$76.73 million
Real Estate Owned	$22.25 million
Profit Margin - Quarterly
Net Interest Margin	4.01%
Return on Assets	-1.72%
Return on Equity	-15.65%
Interest Income	$61.07 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 BankFinancial, FSB had $38.84 million in non-current loans and owned real-estate with $163.82 million in equity and loan loss allowances on hand to cover it. This gives BankFinancial, FSB a Texas Ratio of 23.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for BankFinancial, FSB decreased significantly from 48.78% as of December 31, 2011 to 23.71% as of December 31, 2012, resulting in a positive change of 51.40%.This indicates that the balance sheet and financial strength for BankFinancial, FSB has improved significantly in recent periods.
Deposit Growth
In the past year, BankFinancial, FSB has decreased its total deposits by -$50.68 million, resulting in -3.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankFinancial, FSB has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankFinancial, FSB has $1.48 billion in assets with $163.82 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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