Call reports 2016
BEN FRANKLIN BANK OF ILLINOIS — 2016
What BEN FRANKLIN BANK OF ILLINOIS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 81,746,000 | 80,852,000 | 79,881,000 | 85,274,000 |
| Total loans | 56,886,000 | 57,595,000 | 56,546,000 | 63,261,000 |
| Allowance for loan losses | 1,012,000 | 981,000 | 962,000 | 904,000 |
| Securities available for sale | 8,531,000 | 7,493,000 | 7,501,000 | 8,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,357,000 | 71,664,000 | 71,117,000 | 74,913,000 |
| Interest-bearing deposits | 67,315,000 | 66,614,000 | 66,051,000 | 69,178,000 |
| Noninterest-bearing deposits | 5,042,000 | 5,050,000 | 5,066,000 | 5,735,000 |
| Equity capital | 8,388,000 | 8,086,000 | 7,822,000 | 7,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,462,000 | 2,222,000 | 2,987,000 |
| Interest expense | 86,000 | 167,000 | 254,000 | 340,000 |
| Net interest income | 693,000 | 1,295,000 | 1,968,000 | 2,647,000 |
| Noninterest income | 30,000 | 60,000 | 21,000 | 115,000 |
| Noninterest expense | 991,000 | 1,953,000 | 2,938,000 | 3,998,000 |
| Provision for loan losses | 0 | -33,000 | -128,000 | -128,000 |
| Pretax income | -268,000 | -565,000 | -821,000 | -1,108,000 |
| Income tax | -27,000 | -25,000 | -22,000 | 43,000 |
| Net income | -241,000 | -540,000 | -799,000 | -1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,366,000 | 8,067,000 | 7,808,000 | 7,456,000 |
| Total capital | 8,979,000 | 8,700,000 | 8,438,000 | 8,160,000 |
| Risk-weighted assets | 48,642,000 | 50,350,000 | 50,100,000 | 56,157,000 |