Ben Franklin Bank of Illinois

Ben Franklin Bank of Illinois is headquartered in Arlington Height and is the 327^th largest bank in the state of Illinois. It is also the 4,790^th largest bank in the nation. It was established in 1893 and as of December of 2011, it had grown to 22 employees at 2 locations. Ben Franklin Bank of Illinois has a 2-star health rating.

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Data for Q4 2011

Institution Statistics Ben Franklin Bank of Illinois OTS # 15152 FDIC Certificate # 28384 BankRate Report View Year Established 1893 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $105.99 million Loans $84.35 million Deposits $96.15 million Equity Capital $8.96 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $2.35 million Historic Data - December 2010 Assets $116.19 million Equity Capital $9.61 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $5.95 million Real Estate Owned $779,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets -0.6% Return on Equity -7.04% Interest Income $4.82 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ben Franklin Bank of Illinois had $4.13 million in non-current loans and owned real-estate with $10.1 million in equity and loan loss allowances on hand to cover it. This gives Ben Franklin Bank of Illinois a Texas Ratio of 40.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ben Franklin Bank of Illinois decreased slightly from 61.29% as of December 31, 2010 to 40.90% as of December 31, 2011, resulting in a positive change of 33.26%.This indicates that the balance sheet and financial strength for Ben Franklin Bank of Illinois has improved slightly in recent periods. Deposit Growth In the past year, Ben Franklin Bank of Illinois has decreased its total deposits by -$9.58 million, resulting in -9.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ben Franklin Bank of Illinois has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ben Franklin Bank of Illinois has $105.99 million in assets with $10.1 million in equity, resulting in a capitalization level of 9.52%, which is average.

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