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Ben Franklin Bank of Illinois

Arlington Heights, IL · Cert 28384

FDIC · 2 branches

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ben Franklin Bank of Illinois

Arlington Heights, IL · Cert 28384

FDIC · 2 branches

Q1 2020

$93.0MAssets
$72.4MLoans
$77.2MDeposits
$9.3MEquity
Loan mix
98%RE $65.4M2%C&I $1.4M0%Consumer $0.0MQ1 2019Q1 2020
Deposit mix
91%Interest-bearing $69.9M9%Noninterest $7.3MQ1 2019Q1 2020

NIM

4.20%Q1 ’184.51%Q1 ’194.20%Q1 ’20+6%-16%

Non-interest income vs. expense

3.83%Q1 ’184.13%Q1 ’194.04%Q1 ’20+8%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #140 of 180 inst. · $0.1B of $415.7B

Executive Summary

  • Earnings: ROA of -0.93%, down 58 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.52% of loans (+49 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.68%, down 142 bps from a year ago.
  • Funding: loans stand at 93.80% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.93%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.08%-60 bps YoY

Efficiency Ratio (YTD, annualized)

125.39%+1,602 bps YoY

Tier 1 Leverage Ratio

9.68%-142 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-0.35%-0.66%-0.77%-0.94%-0.93%-58 bps
Return on Equity-3.20%-6.21%-7.39%-9.12%-9.41%-621 bps
Net Interest Margin3.68%3.48%3.33%3.26%3.08%-60 bps
Efficiency Ratio109.37%123.21%125.18%131.58%125.39%+1,602 bps
Non-Interest Burden4.03%4.31%4.20%4.33%3.90%-13 bps
Growth
Asset Growth (YoY)-8.23%0.43%6.04%2.78%-0.19%+804 bps
Loan Growth (YoY)-6.14%-1.97%-0.86%-3.43%-1.45%+469 bps
Deposit Growth (YoY)-14.31%-4.11%2.77%6.01%4.38%+1,870 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.02%0.02%0.52%+49 bps
Net Charge-Offs / Loans-0.03%-0.24%-0.16%-0.13%-0.01%+2 bps
Allowance / Loans1.19%1.18%1.18%1.14%1.19%0 bps
Allowance Coverage of NPLs36.5x44.0x58.7x75.5x2.3x-34.2x
Capital
Tier 1 Leverage Ratio11.10%10.46%9.93%9.54%9.68%-142 bps
Total Risk-Based Capital16.81%16.10%15.60%15.74%15.72%-109 bps
Equity / Assets10.98%10.26%9.80%9.76%9.95%-103 bps
Liquidity & Funding
Loans / Deposits99.35%94.60%91.99%90.12%93.80%-555 bps
Liquid Assets / Assets9.77%10.81%9.40%12.52%10.61%+84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a