Call reports 2005
DU QUOIN STATE BANK — 2005
What DU QUOIN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,137,000 | 94,815,000 | 97,643,000 | 95,515,000 |
| Total loans | 46,871,000 | 45,132,000 | 47,484,000 | 48,415,000 |
| Allowance for loan losses | 620,000 | 649,000 | 679,000 | 698,000 |
| Securities available for sale | 41,811,000 | 39,265,000 | 43,028,000 | 43,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,655,000 | 72,142,000 | 75,388,000 | 72,822,000 |
| Interest-bearing deposits | 58,542,000 | 60,889,000 | 64,407,000 | 61,114,000 |
| Noninterest-bearing deposits | 11,113,000 | 11,253,000 | 10,981,000 | 11,708,000 |
| Equity capital | 7,896,000 | 8,472,000 | 8,352,000 | 7,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,652,000 | 4,051,000 | 5,465,000 |
| Interest expense | 386,000 | 815,000 | 1,288,000 | 1,821,000 |
| Net interest income | 924,000 | 1,837,000 | 2,763,000 | 3,644,000 |
| Noninterest income | 60,000 | 126,000 | 188,000 | 269,000 |
| Noninterest expense | 556,000 | 1,103,000 | 1,714,000 | 2,309,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 398,000 | 800,000 | 1,129,000 | 1,466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 398,000 | 800,000 | 1,129,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,625,000 | 7,802,000 | 7,882,000 | 7,968,000 |
| Total capital | 8,229,000 | 8,397,000 | 8,516,000 | 8,616,000 |
| Risk-weighted assets | 48,313,000 | 47,567,000 | 50,681,000 | 51,805,000 |