Call reports 2015
BEN FRANKLIN BANK OF ILLINOIS — 2015
What BEN FRANKLIN BANK OF ILLINOIS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 86,805,000 | 89,635,000 | 85,160,000 | 84,057,000 |
| Total loans | 59,133,000 | 57,923,000 | 57,272,000 | 58,528,000 |
| Allowance for loan losses | 1,179,000 | 1,182,000 | 967,000 | 991,000 |
| Securities available for sale | 8,641,000 | 9,589,000 | 9,588,000 | 10,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,362,000 | 77,566,000 | 75,317,000 | 74,453,000 |
| Interest-bearing deposits | 72,060,000 | 72,506,000 | 70,676,000 | 68,988,000 |
| Noninterest-bearing deposits | 4,302,000 | 5,060,000 | 4,641,000 | 5,465,000 |
| Equity capital | 9,260,000 | 8,964,000 | 8,853,000 | 8,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,494,000 | 2,256,000 | 3,016,000 |
| Interest expense | 98,000 | 197,000 | 294,000 | 388,000 |
| Net interest income | 654,000 | 1,297,000 | 1,962,000 | 2,628,000 |
| Noninterest income | 60,000 | 105,000 | 282,000 | 319,000 |
| Noninterest expense | 1,039,000 | 2,000,000 | 2,922,000 | 3,910,000 |
| Provision for loan losses | 0 | 0 | 55,000 | -40,000 |
| Pretax income | -325,000 | -598,000 | -733,000 | -923,000 |
| Income tax | -15,000 | -5,000 | -15,000 | 15,000 |
| Net income | -310,000 | -593,000 | -718,000 | -938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,234,000 | 8,952,000 | 8,827,000 | 8,607,000 |
| Total capital | 9,883,000 | 9,593,000 | 9,442,000 | 9,235,000 |
| Risk-weighted assets | 51,402,000 | 50,772,000 | 48,886,000 | 49,898,000 |