Call reports 2004
DU QUOIN STATE BANK — 2004
What DU QUOIN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,074,000 | 90,003,000 | 93,231,000 | 93,084,000 |
| Total loans | 46,577,000 | 47,217,000 | 47,368,000 | 48,075,000 |
| Allowance for loan losses | 507,000 | 515,000 | 565,000 | 590,000 |
| Securities available for sale | 36,185,000 | 36,459,000 | 39,090,000 | 41,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,951,000 | 67,537,000 | 70,140,000 | 68,794,000 |
| Interest-bearing deposits | 52,755,000 | 56,856,000 | 58,900,000 | 57,794,000 |
| Noninterest-bearing deposits | 11,196,000 | 10,681,000 | 11,240,000 | 11,000,000 |
| Equity capital | 8,819,000 | 8,114,000 | 8,719,000 | 8,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,457,000 | 3,691,000 | 5,036,000 |
| Interest expense | 301,000 | 603,000 | 929,000 | 1,283,000 |
| Net interest income | 890,000 | 1,854,000 | 2,762,000 | 3,753,000 |
| Noninterest income | 43,000 | 116,000 | 204,000 | 305,000 |
| Noninterest expense | 550,000 | 1,106,000 | 1,677,000 | 2,267,000 |
| Provision for loan losses | 31,000 | 61,000 | 91,000 | 120,000 |
| Pretax income | 352,000 | 806,000 | 1,096,000 | 1,569,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 806,000 | 1,096,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,235,000 | 7,489,000 | 7,579,000 | 7,727,000 |
| Total capital | 7,742,000 | 8,004,000 | 8,144,000 | 8,317,000 |
| Risk-weighted assets | 46,804,000 | 47,028,000 | 47,687,000 | 49,029,000 |