Exhibit 99

Note Concerning Forward-Looking Statements

This document contains  forward-looking  statements,  which can be identified by
the use of  such  words  such as  "estimate,"  "project,"  "believe,"  "intend,"
"anticipate,"  "plan,"  "seek,"  "expect,"  "will,"  "may" and words of  similar
meaning.  These  forward-looking  statements include,  but are not limited to:

         o        statements of our goals, intentions and expectations;

         o        statements regarding our business plans, prospects, growth and
                  operating strategies;

         o        statements  regarding  the  asset  quality  of  our  loan  and
                  investment portfolios; and

         o        estimates of our risks and future costs and benefits.

These   forward-looking   statements  are  based  on  our  current  beliefs  and
expectations and are inherently  subject to significant  business,  economic and
competitive  uncertainties  and  contingencies,  many of which  are  beyond  our
control.  In  addition,   these   forward-looking   statements  are  subject  to
assumptions  with respect to future  business  strategies and decisions that are
subject to  change.  We are under no duty to and do not take any  obligation  to
update  any  forward-looking  statements  after the date of this  document.

The  following  factors,  among  others,  could cause  actual  results to differ
materially from the anticipated  results or other expectations  expressed in the
forward-looking statements:

         o        general  economic  conditions,  either  nationally  or in  our
                  market areas, that are worse than expected;

         o        competition among depository and other financial institutions;

         o        inflation  and changes in the interest rate  environment  that
                  reduce  our  margins  or reduce  the fair  value of  financial
                  instruments;

         o        adverse changes in the securities markets;

         o        changes  in  laws  or  government   regulations   or  policies
                  affecting   financial   institutions,   including  changes  in
                  regulatory fees and capital requirements;

         o        our ability to enter new markets  successfully  and capitalize
                  on growth opportunities;

         o        our ability to successfully integrate acquired entities;

         o        changes in consumer spending, borrowing and savings habits;

         o        changes  in  accounting  policies  and  practices,  as  may be
                  adopted  by  the  bank  regulatory  agencies,   the  Financial
                  Accounting   Standards  Board,  the  Securities  and  Exchange
                  Commission and the Public Company Accounting Oversight Board;

         o        changes in our organization, compensation and benefit plans;

         o        adverse developments  concerning Fannie Mae or Freddie Mac and
                  changes in market  interest  rates  affecting the value of the
                  Fannie Mae and Freddie Mac floating rate  preferred  stocks in
                  our investment securities portfolio;

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         o        changes in our  financial  condition or results of  operations
                  that reduce capital available to pay dividends;

         o        regulatory changes or actions; and

         o        changes in the  financial  condition  or future  prospects  of
                  issuers of securities that we own.

Because of these and a wide variety of other risks and uncertainties, including,
without  limitation,  the risks and  uncertainties  set forth below,  our actual
future results may be materially  different from the results  indicated by these
forward-looking statements:

         o        the strength of the United  States  economy in general and the
                  strength of the local economies in which the Company  conducts
                  its  operations  which may be less favorable than expected and
                  may result in,  among other  things,  a  deterioration  in the
                  credit quality and value of the Company's assets;

         o        the effects of, and changes in, federal, state and local laws,
                  regulations  and  policies  affecting   banking,   securities,
                  taxation,  insurance  and monetary and financial  matters,  as
                  well as any  laws  and  regulations  otherwise  affecting  the
                  Company,  including laws and  regulations  intended to enhance
                  national security;

         o        the  effects of  changes  in  interest  rates  (including  the
                  effects of changes in the rate of prepayments of the Company's
                  assets)  and the  policies  of the Board of  Governors  of the
                  Federal Reserve System;

         o        the  ability of the  Company to compete  with other  financial
                  institutions as effectively as the Company  currently  intends
                  due to increases  in  competitive  pressures in the  financial
                  services sector;

         o        the  inability of the Company to obtain new  customers  and to
                  retain existing customers;

         o        the  timely   development   and  acceptance  of  products  and
                  services,  including  products  and services  offered  through
                  alternative delivery channels such as the Internet;

         o        technological  changes implemented by the Company and by other
                  parties,  including  third  party  vendors,  which may be more
                  difficult or more expensive than anticipated or which may have
                  unforeseen  consequences  to the  Company  and its  customers,
                  including  technological  changes  implemented for, or related
                  to, the  Company's  Internet  website or new products  such as
                  prepaid  solutions  cards,  payroll  cards and  other  similar
                  products and services;

         o        the ability of the  Company,  and certain of its  vendors,  to
                  develop and maintain secure and reliable  electronic  systems,
                  including systems developed for the Company's Internet website
                  or new products such as prepaid solutions cards, payroll cards
                  and other similar products and services.

         o        the  ability  of the  Company  to retain  key  executives  and
                  employees and the  difficulty  that the Company may experience
                  in  replacing  key  executives  and  employees in an effective
                  manner;

         o        changes in consumer spending and saving habits that affect the
                  Company's business adversely;

         o        the  economic  impact of  terrorist  activities  and  military
                  actions;

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         o        business   combinations   and  the   integration  of  acquired
                  businesses  which  may be more  difficult  or  expensive  than
                  expected;

         o        the  costs,   effects  and  outcomes  of  existing  or  future
                  litigation;

         o        changes  in  accounting  policies  and  practices,  as  may be
                  adopted  by state  and  federal  regulatory  agencies  and the
                  Financial Accounting Standards Board; and

         o        the ability of the Company to manage the risks associated with
                  the foregoing as well as anticipated.

These risks and uncertainties should be considered in evaluating forward-looking
statements  and  undue  reliance  should  not  be  placed  on  such  statements.
Additional information concerning the Company and its business,  including other
factors  that  could  materially  affect the  Company's  financial  results,  is
included in the Company's filings with the Securities and Exchange Commission.



                      Selected Consolidated Financial Data

         The  following  tables  set  forth  selected  consolidated   historical
financial and other data of BankFinancial  MHC, Inc. ("MHC") for the periods and
at the dates indicated.  The information at December 31, 2004 is derived in part
from,  and should be read  together  with,  the audited  consolidated  financial
statements and notes thereto of MHC, included in the prospectus of BankFinancial
Corporation,  a Maryland  corporation,  as filed as filed on April 29, 2005 with
the Securities and Exchange  Commission  pursuant to Rule 424(b)(3) of the Rules
and  Regulations  of the Securities  Act of 1933 (File Number  333-119217).  The
information  at March 31, 2005 and for the three months ended March 31, 2005 and
2004  is  derived  from  unaudited  consolidated  financial  statements  of MHC.
However,  in the opinion of  management of MHC, all  adjustments,  consisting of
normal recurring  adjustments,  necessary for a fair presentation of the results
of operations for the unaudited  periods have been made. The selected  operating
data  presented  below for the  three  months  ended  March  31,  2005,  are not
necessarily  indicative  of the results that may be expected for the year ending
December 31, 2005.

                                                     At March 31,    At December
                                                        2005           31, 2004
                                                     ------------    -----------
                                                           (In thousands)
Selected Financial Condition Data:

Total assets ......................................   $1,495,497     $1,492,782
Loans, net ........................................    1,090,316      1,091,952
Loans held-for-sale ...............................        5,737          5,531
Securities available-for-sale at fair value .......      274,506        268,093
Goodwill ..........................................       10,865         10,865
Core deposit intangible ...........................        9,472          9,882
Deposits ..........................................    1,108,637      1,115,696
Borrowings ........................................      272,073        264,742
Equity ............................................       99,009         94,888

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                                          Three Months Ended
                                         --------------------
                                              March 31,
                                           2005        2004
                                         --------    --------
                                            (In thousands)
Selected Operating Data:

Interest and dividend income .........   $ 18,042    $ 16,030
Interest expense .....................      6,834       6,176
                                         --------    --------
   Net interest income ...............     11,208       9,854
Provision (credit) for loan losses ...        (76)       --
                                         --------    --------
   Net interest income after provision
     (credit) for loan losses ........     11,284       9,854
Noninterest income ...................      1,852       2,147
Noninterest expense ..................     10,729      10,810
                                         --------    --------
Income before income tax expense .....      2,407       1,191
Income tax expense ...................        771         291
                                         --------    --------
     Net income ......................   $  1,636    $    900
                                         ========    ========

                                                             Three Months Ended
                                                             -------------------
                                                                  March 31,
                                                               2005       2004
                                                             --------   --------
Selected Financial Ratios and Other Data:

Performance Ratios:
Return on assets (ratio of net income to
average total assets) (1) .................................    0.44%      0.25%
Return on equity (ratio of net income to average
equity) (1)................................................    6.65       3.84
Net interest rate spread (1) (2) ..........................    2.99       2.69
Net interest margin (1)(3) ................................    3.19       2.87
Average equity to average assets ..........................    6.60       6.41
Efficiency ratio (4) ......................................   82.15      90.08
Noninterest expense to average total assets (1) ...........    2.88       2.96
Average interest-earning assets to average
interest-bearing liabilities ..............................  110.21     109.82

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                                                  At March 31,   At December 31,
                                                      2005            2004
                                                    -------         -------
Selected Financial Ratios and Other Data:

Asset Quality Ratios:
Nonperforming assets to total assets .                0.41%           0.44%
Nonperforming loans to total loans                    0.56            0.59
Allowance for loan losses to nonperforming loans    177.15          168.90
Allowance for loan losses to total loans              1.00            1.00

Capital Ratios:
Equity to total assets at end of period               6.62%           6.36%
Tier 1 leverage ratio (bank only)                     7.24            7.12

Other Data:
Number of full service offices                          16              16

-----------------
(1)      Ratios  for the  three  months  ended  March  31,  2005  and  2004  are
         annualized.
(2)      The net interest  rate spread  represents  the  difference  between the
         yield  on  average  interest-earning  assets  and the  cost of  average
         interest-bearing liabilities for the period.
(3)      The net  interest  margin  represents  net interest  income  divided by
         average total interest-earning assets for the period.
(4)      The efficiency ratio represents  noninterest expense divided by the sum
         of net interest income and noninterest income.



Comparison of Financial Condition at March 31, 2005 and December 31, 2004

         Total assets  increased  $2.7 million,  or 0.2%,  to $1.495  billion at
March 31,  2005,  from $1.493  billion at December  31,  2004.  The increase was
primarily  the result of an increase in the fair value of  securities  available
for sale, offset by decreases in loans receivable, cash and cash equivalents and
other assets.

         Net loans  receivable  decreased by $1.6  million,  or 0.1%,  to $1.090
billion at March 31, 2005,  from $1.092  billion at December  31, 2004.  One- to
four-family  residential  loans,  which  include  home  equity and other  second
mortgage  loans,  decreased  $5.0 million,  or 1.4%.  Multi-family  mortgage and
non-residential  real estate loans decreased $8.9 million, or 1.8%, primarily as
a result  of $18.6  million  in loan  pay-downs  received  during  the  quarter.
Construction  loans  increased $8.9 million during the first quarter,  or 14.8%,
due to increased originations and improving weather conditions. Commercial loans
and commercial  leases  increased a combined $4.0 million,  or 2.2%,  reflecting
continued  emphasis on  originating  loans of this type and  increasing  line of
credit usage by commercial borrowers.

         Net securities  available-for-sale  increased $6.4 million, or 2.4%, to
$274.5 million at March 31, 2005,  from $268.1 million at December 31, 2004. The
increase  was  partially  due  to  the   securitization   of  $10.5  million  of
adjustable-rate,  one- to four-family  residential real estate loans,  which was
partially   offset  by  $8.1  million  of  principal   repayments   received  on
mortgage-backed  securities.  In addition,  the fair value of MHC's portfolio of
Fannie Mae and  Freddie  Mac  floating  rate  preferred  stocks  increased  $5.4
million,  or 7.0%,  to $82.9  million at March 31, 2005,  from $77.5  million at
December 31, 2004,  due to increases in the quoted  market prices for certain of
these securities.

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<PAGE>

         Cash and cash equivalents  remained  relatively stable during the first
quarter,  decreasing  by $718,000 to $28.6  million at March 31, 2005 from $29.3
million at December 31, 2004.

         Other assets  decreased by $1.8 million,  or 12.1%, to $12.8 million at
March 31, 2005,  from $14.6 million at December 31, 2004.  The decrease in other
assets was  primarily  due to a decrease of $1.6  million in deferred tax assets
that relates to the increase in the fair value of MHC's  portfolio of Fannie Mae
and Freddie Mac floating rate preferred stocks.

         Deposits  decreased  $7.1 million,  or 0.6%, to $1.109 billion at March
31, 2005,  from $1.116  billion at December 31, 2004.  Core  deposits  (savings,
money market,  noninterest bearing demand and NOW accounts) represented 60.9% of
total  deposits  at March  31,  2005,  compared  to 60.5% of total  deposits  at
December 31, 2004.  Retail  certificates of deposit  decreased $1.1 million,  or
0.3%, to $415.3  million at March 31, 2005,  from $416.4 million at December 31,
2004.  Brokered  certificates  of deposit  decreased $5.8 million,  or 24.2%, to
$18.1 million at March 31, 2005, from $23.9 million at December 31, 2004.

         Borrowings  increased $7.3 million, or 2.8%, to $272.1 million at March
31, 2005,  from $264.7 million at December 31, 2004. The increase was the result
of  additional  usage of Federal  Home Loan Bank  borrowings  during a period of
deposit outflow,  including the replacement of maturing brokered certificates of
deposit with short-term Federal Home Loan Bank borrowings.

         Total members' equity increased $4.1 million, or 4.3%, to $99.0 million
at March 31, 2005,  from $94.9  million at December  31,  2004.  The increase in
members'  equity was  primarily  due to net income of $1.6 million for the three
months  ended March 31,  2005,  and an increase in the fair value of  securities
available  for  sale.  Total  members'  equity at March 31,  2005  reflected  an
unrealized  gain on  securities  available  for  sale of  $918,000,  net of tax,
compared to an unrealized loss on securities available-for-sale of $1.6 million,
net of tax, at December 31, 2004.  Substantially  all of the unrealized gain was
attributable  to MHC's  portfolio  of Fannie Mae and Freddie Mac  floating  rate
preferred stocks.

Comparison  of  Operating  Results for the Three Months Ended March 31, 2005 and
March 31, 2004

         Net Income.  MHC had net income of $1.6  million  for the three  months
ended March 31,  2005,  compared to net income of $900,000  for the three months
ended March 31, 2004. The increase in net income is primarily  attributable to a
$1.4 million, or 13.7%, increase in net interest income.

         Interest Income.  Interest income increased $2.0 million,  or 12.6%, to
$18.0 million for the three months ended March 31, 2005,  from $16.0 million for
the three months ended March 31, 2004. The increase in interest income reflected
a 47 basis point improvement in the average yield on interest-earning  assets to
5.14% from  4.67%,  and a $31.1  million,  or 2.3%,  increase  in total  average
interest-earning assets.

         Interest income from loans,  the most  significant  portion of interest
income,  increased $1.8 million, or 13.2%, to $15.4 million for the three months
ended  March 31,  2005,  from $13.6  million  for the same  period in 2004.  The
increase reflected a $22.8 million,  or 2.1%, increase in the average balance of
net loans  receivable  to $1.105  billion for the three  months  ended March 31,
2005,  from $1.082  billion  for the same  period in 2004,  and a 55 basis point
increase in the average yield on loans to 5.58% for the three months ended March
31,  2005,  compared to 5.03% for the three  months  ended March 31,  2004.  The
yields on construction  and home equity loans are indexed on the prime rate. The
quarterly  yields of each of the these products has improved more than 100 basis
points,  which  reflects  the 175 basis  points  increase in the prime rate from
March 2004 to March 2005.  Interest income from one- to four-family  residential
real estate and multi-family mortgage loans increased $326,000, or 4.1%, to $8.3
million for the three  months  ended March 31,  2005,  from $8.0 million for the
three months ended March 31, 2004.  Interest  income from  commercial  loans and
leases increased $644,000,  or 25.2%, to $2.6 million for the three months ended
March 31, 2005, from $1.9 million for the same period in 2004.

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<PAGE>

         Interest income from securities  available for sale increased $274,000,
or 13.6%, to $2.3 million for the three months ended March 31, 2005, compared to
$2.0 million for the three months  ended March 31,  2004.  The average  yield on
securities available for sale increased 20 basis points to 3.37% from 3.17%, and
the average outstanding balance of securities available for sale increased $17.1
million,  or 6.7%, to $271.4  million,  from $254.3 million for the three months
ended March 31, 2004.

         Interest  Expense.  Interest expense increased  $658,000,  or 10.7%, to
$6.8 million for the three  months  ended March 31, 2005,  from $6.2 million for
the three months ended March 31, 2004.  The increase in the rate paid on average
interest-bearing  liabilities reflected an increase in the deposit rates paid to
customers,  which  was  offset  by a  decrease  in the  average  rates  paid  on
borrowings.  The  increase  in  interest  expense  reflected  a 17 basis  points
increase in the rate paid on average  interest-bearing  liabilities to 2.15% for
the three  months  ended March 31,  2005,  from 1.98% for the three months ended
March 31, 2004.

         Interest expense on borrowings decreased by $693,000, or 22.7%, to $2.4
million for the three  months  ended March 31,  2005,  from $3.1 million for the
same  period in 2004.  The  decrease  in  interest  expense  on  borrowings  was
primarily the result of the lower yield adjustment amortization expense relating
to MHC's  restructuring  of $170 million in Federal Home Loan Bank borrowings in
July 2003. The yield adjustment amortization expense totaled $175,000,  pre-tax,
for the three months ended March 31, 2005,  compared to $1.4  million,  pre-tax,
for the three  months  ended March 31,  2004.  The  decreased  yield  adjustment
amortization  expense was partially offset by a $5.9 million increase in average
borrowings,  and an increase in interest expense on the $30 million of term debt
MHC incurred in connection with MHC's acquisition of Success Bancshares, Inc. in
2001.  Interest  expense on the term debt totaled  $342,000 for the three months
ended  March 31,  2005,  a $103,000,  or 43.2%,  increase  over the  $239,000 in
interest expense on term debt for the same period in 2004.

         Interest expense on deposits increased $1.4 million to $4.5 million for
the three months ended March 31, 2005,  from $3.1 million for the same period in
2004. The increase in interest  expense on deposits  reflected an $18.0 million,
or 1.8%, increase in average interest-bearing deposits to $1.001 billion for the
three months ended March 31,  2005,  from $982.9  million for the same period in
2004.  The increase in interest  expense on deposits  also  reflected a 52 basis
point  increase  in the  average  rate paid on  deposits  to 1.79% for the three
months  ended March 31,  2005,  from 1.27% for the three  months ended March 31,
2004.  Interest  expense  increased  for all  categories  of deposits.  Interest
expense  on  money  market  accounts  increased  $597,000,  or more  than  100%,
reflecting an increase of $42.9  million in the average  balance of money market
accounts  deposits to $205.5  million for the three months ended March 31, 2005,
from $162.7  million for the three months  ended March 31, 2004,  and a 94 basis
point increase in the rate paid on these  accounts to 2.01% from 1.08%.  MHC has
$97.2 million in indexed money market accounts; the rates on these accounts have
increased along with short-term market interest rates. Rates paid on certain NOW
accounts, savings accounts and money market accounts were increased beginning in
the third quarter of 2004 in response to increasing  short-term  market interest
rates and anticipated increases in the rates paid by MHC's competitors. Rates on
other  selected  money  market  products and  certificates  of deposit were also
increased for competitive  reasons.  Interest expense on certificates of deposit
increased $442,000, or 19.6%, reflecting an increase of 46 basis points to 2.47%
from  2.01%,  which was  partially  offset by a $12.8  million  decrease  in the
average  balance of  certificates  of deposit  to $436.8  million  for the three
months  ended March 31,  2005,  from $449.6  million for the three  months ended
March 31, 2004.

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<PAGE>

         Net Interest Income. Net interest income increased by $1.4 million,  or
13.7%,  to $11.2  million for the three months  ended March 31, 2005,  from $9.9
million for the three months ended March 31, 2004.  The increase in net interest
income  reflected an  improvement in MHC's net interest rate spread to 2.99% for
the three  months  ended March 31,  2005,  from 2.69% for the three months ended
March 31, 2004. Net interest margin improved to 3.19% for the three months ended
March 31, 2005, from 2.87% for the three months ended March 31, 2004.

         Provision for Loan Losses. MHC establishes  provisions for loan losses,
which are charged to  operations in order to maintain  MHC's  allowance for loan
losses at a level  MHC  considers necessary  to absorb  probable  credit  losses
incurred in the loan  portfolio.  In determining  the level of the allowance for
loan losses, MHC considers past and current loss experience, evaluations of real
estate  collateral,  current  economic  conditions,  volume and type of lending,
adverse  situations that may affect a borrower's ability to repay a loan and the
levels of nonperforming  and other classified loans. The amount of the allowance
is based on estimates  and the ultimate  losses may vary from such  estimates as
more  information  becomes  available or later events change.  MHC evaluates the
allowance  for loan losses on a  quarterly  basis and makes provisions  for loan
losses in order to maintain the allowance.

         Based on MHC's evaluation of the above factors,  including a decline in
the ratio of  nonperforming  loans to total  loans to 0.56% at March  31,  2005,
compared to 0.59% at December 31, 2004, MHC recorded a credit for loan losses of
$76,000 for the three months ended March 31, 2005.  No provision for loan losses
was recorded for the three months ended March 31, 2004.  The  allowance for loan
losses  allocated to impaired loans decreased  $134,000 to $1.9 million at March
31, 2005,  compared to $2.1 million at December 31, 2004. The allowance for loan
losses represented 177.15% of nonperforming loans at March 31, 2005, and 168.90%
of  nonperforming  loans at December 31, 2004. The allowance for loan losses was
$10.9  million,  or 1.00%,  of total loans at March 31, 2005,  compared to $11.0
million,  or 1.00%,  of total  loans at  December  31,  2004.  MHC used the same
general methodology in evaluating the allowance at both dates.

         To the best of MHC's  knowledge,  all losses that are both probable and
reasonable to estimate for each reporting period have been recorded.

         Noninterest  Income.  Noninterest  income  decreased  $295,000  to $1.9
million for the three  months  ended March 31,  2005,  from $2.1 million for the
same period in 2004.  The decrease is attributed to several  factors,  including
decreases in commissions from insurance and annuities sales,  decreased gains on
loan and investment  sales, and reduced income from real estate owned operations
and  other  income.   These  decreases  were  partially  offset  by  a  $259,000
improvement in the  amortization  and impairment of mortgage  servicing  rights.
Gain on sales of loans decreased $105,000,  or 55.9%, to $83,000 for the quarter
ended March 31, 2005, from $188,000 for the same period in 2004. Current quarter
loan sales reflect $7.8 million of loan sale proceeds, compared to $17.8 million
of loan sale  proceeds for the same period in 2004.  MHC had no gain on the sale
of  securities  for the  quarter  ended  March 31,  2005,  compared to a gain of
$258,000 for the quarter ended March 31, 2004.

         Non-interest  Expense.  Noninterest  expense was $10.7  million for the
three months ended March 31, 2005, an improvement of $81,000,  or 0.7%, compared
to  noninterest  expense of $10.8  million for the three  months ended March 31,
2004.  Total  non-interest  expense  includes $6.9 million in  compensation  and
benefits expense for the quarter ended March 31, 2005,  compared to $6.8 million
in compensation and benefits expense for the same period in 2004.

         Income Tax Expense. MHC recorded income tax expense of $771,000 for the
three  months  ended March 31,  2005,  compared to $291,000 for the three months
ended March 31, 2004. The effective

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<PAGE>

tax rates for the  three-month  periods ended March 31, 2005 and 2004 were 32.0%
and 24.4%, respectively.



















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