Du Quoin National Bank in Du Quoin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 17, 1996

  • Du Quoin National Bank in Du Quoin, Illinois (IL)
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Du Quoin National Bank - Overview

  • General
  • FDIC Certificate #: 16794
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Bank of Illinois, National Association (#1043)
    Federal Reserve ID: 631646
    Date Established: May 17, 1949
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 10903
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 17, 1949
    Last Structure Change Effective Date: May 17, 1996
    Last Structure Change Process Date: June 27, 1996
    Last Data Update: June 27, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 West Main Street, Du Quoin, IL 62832
    County: Perry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $84.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $83,407Cash and due from depository institutions
  • $2,330Interest-bearing balances
  • $195Securities
  • $32,421Federal funds sold & reverse repurchase agreements
  • $137Net loans & leases
  • $44,591Loan loss allowance
  • $1,102Trading account assets
  • $0Bank premises and fixed assets
  • $2,060Other real estate owned
  • $43Goodwill and other intangibles
  • $1,825Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $83,407Total liabilities
  • $76,842Total deposits
  • $73,059Interest-bearing deposits
  • $66,175Deposits held in domestic offices
  • 73059.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $2,831Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $952Total equity capital
  • $952Total bank equity capital
  • $6,565Perpetual preferred stock
  • $0Common stock
  • $906Surplus
  • $1,094Undivided profits
  • Memoranda
  • $4,565Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,340Income earned, not collected on loans
  • $561Earning assets
  • $77,344Long-term assets (5+ years)
  • $23,695Average Assets, year-to-date
  • $84,890Average Assets, quarterly
  • $84,778Volatile liabilities
  • $11,743Insider loans
  • $788FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,614Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,635Total risk weighted assets
  • $51,726Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,406Total interest expense
  • $3,229Net interest income
  • $3,177Provision for loan and lease losses
  • $1,000Total noninterest income
  • $297Fiduciary activities
  • $0Service charges on deposit accounts
  • $152Trading account gains & fees
  • $0Additional noninterest income
  • $145Total noninterest expense
  • $2,686Salaries and employee benefits
  • $1,173Premises and equipment expense
  • $577Additional noninterest expense
  • $936Pre-tax net operating income
  • -$212Securities gains (losses)
  • $30Applicable income taxes
  • -$314Income before extraordinary items
  • $132Extraordinary gains - net
  • $0Net income attributable to bank
  • $132Net charge-offs
  • $561Cash dividends
  • $285Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.13%Cost of funding earning assets
  • 4.10%Net interest margin
  • 4.03%Noninterest income to earning assets
  • 0.38%Noninterest expense to earning assets
  • 3.41%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • -0.21%Return on equity (ROE)
  • 1.98%Retained earnings to average equity (YTD only)
  • -2.30%Net charge-offs to loans
  • 1.22%Credit loss provision to net charge-offs
  • 178.25%Efficiency ratio
  • 77,317Assets per employee
  • 2.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 215.91%Loss allowance to loans
  • 2.41%Loss allowance to noncurrent loans
  • 82.24%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 2.93%Net loans and leases to deposits
  • 61.03%Net loans and leases to core deposits
  • 69.51%Equity capital to assets
  • 7.87%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 12.83%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $84,890Average earning assets
  • $6,653Average equity
  • $78,763Average loans

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