Call reports 2008
FIRST NATIONAL BANK IN SIOUX FALLS, THE — 2008
What FIRST NATIONAL BANK IN SIOUX FALLS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,135,455,000 | 1,175,922,000 | 1,136,003,000 | 1,159,455,000 |
| Total loans | 764,135,000 | 797,573,000 | 734,966,000 | 739,448,000 |
| Allowance for loan losses | 10,118,000 | 10,137,000 | 11,261,000 | 11,854,000 |
| Securities available for sale | 294,816,000 | 286,236,000 | 331,427,000 | 341,121,000 |
| Securities held to maturity | 13,454,000 | 13,369,000 | 13,103,000 | 13,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,517,000 | 722,369,000 | 709,555,000 | 761,066,000 |
| Interest-bearing deposits | 532,121,000 | 557,424,000 | 583,885,000 | 595,845,000 |
| Noninterest-bearing deposits | 122,396,000 | 164,945,000 | 125,670,000 | 165,221,000 |
| Equity capital | 94,462,000 | 91,106,000 | 93,939,000 | 95,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,176,000 | 31,059,000 | 45,991,000 | 60,434,000 |
| Interest expense | 7,410,000 | 13,557,000 | 19,997,000 | 26,366,000 |
| Net interest income | 8,766,000 | 17,502,000 | 25,994,000 | 34,068,000 |
| Noninterest income | 7,529,000 | 11,031,000 | 14,472,000 | 14,490,000 |
| Noninterest expense | 8,204,000 | 16,606,000 | 24,761,000 | 31,683,000 |
| Provision for loan losses | 1,800,000 | 2,500,000 | 3,900,000 | 7,400,000 |
| Pretax income | 6,291,000 | 11,204,000 | 13,582,000 | 11,252,000 |
| Income tax | 1,933,000 | 3,453,000 | 4,079,000 | 2,901,000 |
| Net income | 4,358,000 | 7,751,000 | 9,503,000 | 8,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,896,000 | 92,147,000 | 93,637,000 | 90,993,000 |
| Total capital | 99,522,000 | 102,284,000 | 103,268,000 | 100,650,000 |
| Risk-weighted assets | 768,829,000 | 815,660,000 | 768,822,000 | 770,322,000 |