Call reports 2014
BEN FRANKLIN BANK OF ILLINOIS — 2014
What BEN FRANKLIN BANK OF ILLINOIS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 94,324,000 | 92,028,000 | 87,226,000 | 89,488,000 |
| Total loans | 67,926,000 | 65,348,000 | 62,836,000 | 61,617,000 |
| Allowance for loan losses | 1,450,000 | 1,294,000 | 1,295,000 | 1,206,000 |
| Securities available for sale | 2,869,000 | 4,821,000 | 4,683,000 | 6,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,794,000 | 82,865,000 | 78,488,000 | 80,716,000 |
| Interest-bearing deposits | 81,563,000 | 79,699,000 | 75,322,000 | 74,043,000 |
| Noninterest-bearing deposits | 3,231,000 | 3,166,000 | 3,166,000 | 6,673,000 |
| Equity capital | 8,661,000 | 8,341,000 | 7,951,000 | 7,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,692,000 | 2,493,000 | 3,267,000 |
| Interest expense | 121,000 | 239,000 | 349,000 | 449,000 |
| Net interest income | 745,000 | 1,453,000 | 2,144,000 | 2,818,000 |
| Noninterest income | 46,000 | -47,000 | -136,000 | -148,000 |
| Noninterest expense | 954,000 | 1,893,000 | 2,871,000 | 4,038,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -163,000 | -487,000 | -863,000 | -1,368,000 |
| Income tax | -3,000 | -5,000 | 1,000 | 1,000 |
| Net income | -160,000 | -482,000 | -864,000 | -1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,652,000 | 8,330,000 | 7,949,000 | 7,818,000 |
| Total capital | 9,418,000 | 9,062,000 | 8,649,000 | 8,510,000 |
| Risk-weighted assets | 60,544,000 | 57,997,000 | 55,395,000 | 54,836,000 |
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