Du Quoin State Bank

Du Quoin State Bank is headquartered in Du Quoin and is the 343^rd largest bank in the state of Illinois. It is also the 5,021^st largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 25 employees at 3 locations. Du Quoin State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Du Quoin State Bank FDIC Certificate # 10804 BankRate Report View Year Established 1915 Employees 25 Primary Regulator FED Assets and Liabilities Assets $97.51 million Loans $39.12 million Deposits $71.64 million Equity Capital $11.37 million Loan Loss Allowance $681,000 Unbacked Noncurrent Loans $1.92 million Real Estate Owned $789,000 Historic Data - March 2011 Assets $100.61 million Equity Capital $9.43 million Loan Loss Allowance $789,000 Unbacked Noncurrent Loans $1.43 million Real Estate Owned $472,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.77% Return on Equity 15.34% Interest Income $1.20 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Du Quoin State Bank had $2.7 million in non-current loans and owned real-estate with $12.05 million in equity and loan loss allowances on hand to cover it. This gives Du Quoin State Bank a Texas Ratio of 22.44% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Du Quoin State Bank held steady from 18.63% as of March 31, 2011 to 22.44% as of March 31, 2012, resulting in a negative change of 20.42%. This indicates that the balance sheet and financial strength for Du Quoin State Bank has held steady in recent periods. Deposit Growth In the past year, Du Quoin State Bank has decreased its total deposits by -$6.85 million, resulting in -8.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Du Quoin State Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Du Quoin State Bank has $97.51 million in assets with $12.05 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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