Call reports 2012
BEN FRANKLIN BANK OF ILLINOIS — 2012
What BEN FRANKLIN BANK OF ILLINOIS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 103,609,000 | 101,355,000 | 99,770,000 | 100,756,000 |
| Total loans | 84,651,000 | 87,276,000 | 82,104,000 | 83,574,000 |
| Allowance for loan losses | 1,935,000 | 1,921,000 | 2,089,000 | 2,095,000 |
| Securities available for sale | 5,505,000 | 3,423,000 | 3,348,000 | 3,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,968,000 | 92,088,000 | 90,546,000 | 91,529,000 |
| Interest-bearing deposits | 92,088,000 | 88,806,000 | 87,822,000 | 88,108,000 |
| Noninterest-bearing deposits | 2,880,000 | 3,282,000 | 2,724,000 | 3,421,000 |
| Equity capital | 7,722,000 | 8,371,000 | 8,393,000 | 8,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,247,000 | 3,374,000 | 4,483,000 |
| Interest expense | 203,000 | 386,000 | 557,000 | 726,000 |
| Net interest income | 913,000 | 1,861,000 | 2,817,000 | 3,757,000 |
| Noninterest income | 7,000 | -32,000 | -201,000 | -370,000 |
| Noninterest expense | 890,000 | 1,701,000 | 2,535,000 | 3,559,000 |
| Provision for loan losses | 1,260,000 | 1,203,000 | 1,636,000 | 1,903,000 |
| Pretax income | -1,230,000 | -1,075,000 | -1,555,000 | -2,075,000 |
| Income tax | 0 | 0 | 0 | 13,000 |
| Net income | -1,230,000 | -1,075,000 | -1,555,000 | -2,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,653,000 | 8,307,000 | 8,327,000 | 8,295,000 |
| Total capital | 8,681,000 | 9,340,000 | 9,294,000 | 9,280,000 |
| Risk-weighted assets | 81,343,000 | 81,716,000 | 76,232,000 | 77,677,000 |