Call reports 2004
SECURITY NATIONAL BANK OF SOUTH DAKOTA — 2004
What SECURITY NATIONAL BANK OF SOUTH DAKOTA 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 | 19,342,000 | 19,872,000 | 20,740,000 | 23,180,000 |
| Total loans | 6,536,000 | 10,124,000 | 10,451,000 | 10,503,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 125,000 |
| Securities available for sale | 4,967,000 | 4,224,000 | 3,904,000 | 3,443,000 |
| Securities held to maturity | 1,286,000 | 1,287,000 | 1,288,000 | 1,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,087,000 | 16,175,000 | 17,163,000 | 19,580,000 |
| Interest-bearing deposits | 12,573,000 | 12,508,000 | 13,864,000 | 14,942,000 |
| Noninterest-bearing deposits | 3,514,000 | 3,667,000 | 3,299,000 | 4,638,000 |
| Equity capital | 3,098,000 | 3,155,000 | 3,320,000 | 3,437,000 |
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 | 153,000 | 327,000 | 533,000 | 745,000 |
| Interest expense | 32,000 | 76,000 | 127,000 | 186,000 |
| Net interest income | 121,000 | 251,000 | 406,000 | 559,000 |
| Noninterest income | 296,000 | 613,000 | 936,000 | 1,266,000 |
| Noninterest expense | 260,000 | 517,000 | 788,000 | 1,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 157,000 | 347,000 | 554,000 | 745,000 |
| Income tax | 54,000 | 119,000 | 191,000 | 252,000 |
| Net income | 103,000 | 228,000 | 363,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,043,000 | 3,168,000 | 3,303,000 | 3,434,000 |
| Total capital | 3,143,000 | 3,268,000 | 3,403,000 | 3,559,000 |
| Risk-weighted assets | 10,495,000 | 13,505,000 | 13,915,000 | 14,429,000 |