Call reports 2013
BEN FRANKLIN BANK OF ILLINOIS — 2013
What BEN FRANKLIN BANK OF ILLINOIS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,468,000 | 99,309,000 | 97,488,000 | 96,301,000 |
| Total loans | 78,612,000 | 77,115,000 | 73,709,000 | 71,879,000 |
| Allowance for loan losses | 2,095,000 | 2,018,000 | 2,028,000 | 1,302,000 |
| Securities available for sale | 2,167,000 | 3,021,000 | 2,956,000 | 2,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,346,000 | 89,219,000 | 87,455,000 | 86,665,000 |
| Interest-bearing deposits | 86,323,000 | 86,335,000 | 84,991,000 | 83,315,000 |
| Noninterest-bearing deposits | 3,023,000 | 2,884,000 | 2,464,000 | 3,350,000 |
| Equity capital | 9,351,000 | 9,269,000 | 9,158,000 | 8,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,059,000 | 3,010,000 | 3,913,000 |
| Interest expense | 157,000 | 303,000 | 442,000 | 577,000 |
| Net interest income | 898,000 | 1,756,000 | 2,568,000 | 3,336,000 |
| Noninterest income | 82,000 | 99,000 | 63,000 | 93,000 |
| Noninterest expense | 975,000 | 1,870,000 | 2,751,000 | 3,614,000 |
| Provision for loan losses | 0 | 0 | 0 | 565,000 |
| Pretax income | 5,000 | -15,000 | -120,000 | -750,000 |
| Income tax | 0 | 25,000 | 28,000 | 32,000 |
| Net income | 5,000 | -40,000 | -148,000 | -782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,299,000 | 9,254,000 | 9,147,000 | 8,813,000 |
| Total capital | 10,209,000 | 10,137,000 | 9,992,000 | 9,630,000 |
| Risk-weighted assets | 71,601,000 | 69,480,000 | 66,422,000 | 64,868,000 |