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


Du Quoin State Bank - Overview

  • General
  • FDIC Certificate #: 10804
    Status: Active
    Federal Reserve ID: 823142
    Bank Holding Company (Regulatory Top Holder): Perry County Bancorp Inc. (RSSDID: 1099748, Location: Du Quoin, IL)
    Date Established: April 17, 1915
    WWW: http://www.duquoinstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13759
    FDIC's unique #: 6910
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 15 East 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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $98.5 mil
    Equity capital: $11.3 mil
    Deposits held in domestic offices: $71.2 mil
    Return on assets (ROA): 1.51% ($1.5 mil)
    Quarterly return on assets: 1.72% ($1.7 mil)
    Return on Equity (ROE): 14.92% ($1.6 mil)
    Quarterly return on equity: 15.23% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.51% ($1,486.7 mil)
    Quarterly Pretax return on assets: 1.72% ($1,693.5 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $98,460Total assets
  • $1,898Cash and due from depository institutions
  • $276Interest-bearing balances
  • $54,288Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $38,333Net loans & leases
  • $666Loan loss allowance
  • $0Trading account assets
  • $1,200Bank premises and fixed assets
  • $735Other real estate owned
  • $0Goodwill and other intangibles
  • $98,460Life insurance assets
  • $2,006All other assets
  • $87,198Total liabilities and capital
  • $71,230Total liabilities
  • $58,396Total deposits
  • $71,230Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 1500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,318Trading liabilities
  • $0Other borrowed funds
  • $150Subordinated debt
  • $11,262All other liabilities
  • $11,262Total equity capital
  • $11,262Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $1,835Surplus
  • $7,927Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,012Income earned, not collected on loans
  • $0Earning assets
  • $729Long-term assets (5+ years)
  • $92,897Average Assets, year-to-date
  • $60,686Average Assets, quarterly
  • $100,338Volatile liabilities
  • $99,484Insider loans
  • $51,747FHLB advances
  • $99,476Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,440Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,997Restructured Loans and leases
  • $828Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,903Total interest income
  • $955Total interest expense
  • $3,948Net interest income
  • $75Provision for loan and lease losses
  • $294Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $176Additional noninterest income
  • $2,640Total noninterest expense
  • $1,434Salaries and employee benefits
  • $369Premises and equipment expense
  • $837Additional noninterest expense
  • $1,527Pre-tax net operating income
  • -$8Securities gains (losses)
  • $0Applicable income taxes
  • $1,519Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,519Net income attributable to bank
  • $0Net charge-offs
  • $1,519Cash dividends
  • $191Sale, conversion, retirement of capital stock, net
  • $1,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 14.92%Return on equity (ROE)
  • 2.15%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 39.27%Credit loss provision to net charge-offs
  • 8.39%Efficiency ratio
  • 62,235Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.58%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 33.10%Noncurrent assets plus other real estate owned to assets
  • 2.79%Noncurrent loans to loans
  • 5.16%Net loans and leases to deposits
  • 53.82%Net loans and leases to core deposits
  • 54.32%Equity capital to assets
  • 11.44%Core capital (leverage) ratio
  • 7.48%Tier 1 risk-based capital ratio
  • 14.38%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $100,338Average earning assets
  • $10,184Average equity
  • $94,967Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06910Du Quoin State Bank15 East Main Street, Du Quoin, IL 62832April 17, 1915Full Service Brick and Mortar
    1223014Southtowne FacilityHighway 51 South, Du Quoin, IL 62832August 24, 1987Limited Service Facility
    3223016Tamaroa BranchHighway 51 North, Tamaroa, IL 62888April 01, 1995Limited Service Facility

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