Ben Franklin Bank of Illinois in Arlington Heights, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Ben Franklin Bank of Illinois in Arlington Heights, Illinois (IL)
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Ben Franklin Bank of Illinois - Overview

  • General
  • FDIC Certificate #: 28384
    Status: Active
    Federal Reserve ID: 462774
    Date Established: January 01, 1893
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15152
    FDIC's unique #: 41218
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 29, 1941
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 830 East Kensington Road, Arlington Heights, IL 60004
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $106.0 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $96.1 mil
    Return on assets (ROA): -0.60% (-$0.6 mil)
    Quarterly return on assets: -2.00% (-$2.1 mil)
    Return on Equity (ROE): -7.04% (-$0.6 mil)
    Quarterly return on equity: -23.01% (-$2.1 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.61% (-$646.5 mil)
    Quarterly Pretax return on assets: -1.97% (-$2,088.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $105,988Total assets
  • $2,213Cash and due from depository institutions
  • $457Interest-bearing balances
  • $5,622Securities
  • $8,480Federal funds sold & reverse repurchase agreements
  • $84,348Net loans & leases
  • $1,137Loan loss allowance
  • $0Trading account assets
  • $806Bank premises and fixed assets
  • $2,354Other real estate owned
  • $1Goodwill and other intangibles
  • $105,988Life insurance assets
  • $2,164All other assets
  • $97,030Total liabilities and capital
  • $96,146Total liabilities
  • $93,782Total deposits
  • $96,146Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $579Trading liabilities
  • $0Other borrowed funds
  • $305Subordinated debt
  • $8,958All other liabilities
  • $8,958Total equity capital
  • $8,958Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $4,029Surplus
  • $4,929Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,775Income earned, not collected on loans
  • $0Earning assets
  • $319Long-term assets (5+ years)
  • $98,907Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $110,100Volatile liabilities
  • $106,336Insider loans
  • $81,402FHLB advances
  • $105,864Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,882Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,913Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,823Total interest income
  • $978Total interest expense
  • $3,845Net interest income
  • $815Provision for loan and lease losses
  • -$40Total noninterest income
  • $0Fiduciary activities
  • $11Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$51Additional noninterest income
  • $3,663Total noninterest expense
  • $1,611Salaries and employee benefits
  • $879Premises and equipment expense
  • $1,173Additional noninterest expense
  • -$673Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10Applicable income taxes
  • -$663Income before extraordinary items
  • $0Extraordinary gains - net
  • -$663Net income attributable to bank
  • $0Net charge-offs
  • -$663Cash dividends
  • $1,054Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.74%Net interest margin
  • -0.04%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • -0.60%Net operating income to assets
  • -0.60%Return on assets (ROA)
  • -0.61%Pretax return on assets
  • -7.04%Return on equity (ROE)
  • -7.04%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 77.32%Credit loss provision to net charge-offs
  • 0.13%Efficiency ratio
  • 96,268Assets per employee
  • 4.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 64.06%Noncurrent assets plus other real estate owned to assets
  • 3.90%Noncurrent loans to loans
  • 2.08%Net loans and leases to deposits
  • 87.73%Net loans and leases to core deposits
  • 88.50%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $110,100Average earning assets
  • $9,422Average equity
  • $102,826Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041218Ben Franklin Bank Of Illinois830 East Kensington Road, Arlington Heights, IL 60004January 01, 1893Full Service Brick and Mortar
    12670693148 Kirchoff Road Branch3148 Kirchoff Road, Rolling Meadows, IL 60008January 01, 1893Full Service Brick and Mortar

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