Call reports 2003
DU QUOIN STATE BANK — 2003
What DU QUOIN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 79,474,000 | 82,571,000 | 88,591,000 | 89,393,000 |
| Total loans | 44,644,000 | 44,822,000 | 44,727,000 | 46,624,000 |
| Allowance for loan losses | 410,000 | 426,000 | 447,000 | 476,000 |
| Securities available for sale | 28,856,000 | 30,426,000 | 34,343,000 | 36,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,580,000 | 64,448,000 | 65,914,000 | 65,991,000 |
| Interest-bearing deposits | 52,145,000 | 52,445,000 | 55,208,000 | 54,364,000 |
| Noninterest-bearing deposits | 10,435,000 | 12,003,000 | 10,706,000 | 11,627,000 |
| Equity capital | 7,372,000 | 8,628,000 | 8,202,000 | 8,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,141,000 | 2,366,000 | 3,498,000 | 4,712,000 |
| Interest expense | 358,000 | 698,000 | 1,002,000 | 1,319,000 |
| Net interest income | 783,000 | 1,668,000 | 2,496,000 | 3,393,000 |
| Noninterest income | 56,000 | 131,000 | 217,000 | 296,000 |
| Noninterest expense | 540,000 | 1,104,000 | 1,664,000 | 2,251,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 293,000 | 659,000 | 983,000 | 1,285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 293,000 | 659,000 | 983,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,790,000 | 6,932,000 | 7,056,000 | 7,033,000 |
| Total capital | 7,200,000 | 7,358,000 | 7,503,000 | 7,509,000 |
| Risk-weighted assets | 44,408,000 | 45,089,000 | 45,750,000 | 46,968,000 |