Call reports 2025
FIRST NATIONAL BANK IN SIOUX FALLS, THE — 2025
What FIRST NATIONAL BANK IN SIOUX FALLS, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,965,203,000 | 1,975,246,000 | 1,988,696,000 | 2,088,099,000 |
| Total loans | 1,441,623,000 | 1,449,218,000 | 1,473,347,000 | 1,532,714,000 |
| Allowance for loan losses | 21,189,000 | 21,467,000 | 21,758,000 | 23,091,000 |
| Securities available for sale | 378,334,000 | 369,749,000 | 374,476,000 | 368,489,000 |
| Securities held to maturity | 1,955,000 | 1,942,000 | 1,894,000 | 1,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,593,032,000 | 1,601,067,000 | 1,578,941,000 | 1,702,657,000 |
| Interest-bearing deposits | 1,183,797,000 | 1,214,661,000 | 1,182,850,000 | 1,284,989,000 |
| Noninterest-bearing deposits | 409,235,000 | 386,406,000 | 396,091,000 | 417,668,000 |
| Equity capital | 176,379,000 | 179,875,000 | 187,157,000 | 193,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 23,707,000 | 48,721,000 | 73,775,000 | 100,328,000 |
| Interest expense | 9,337,000 | 19,472,000 | 28,927,000 | 38,740,000 |
| Net interest income | 14,370,000 | 29,249,000 | 44,848,000 | 61,588,000 |
| Noninterest income | 4,562,000 | 10,201,000 | 15,467,000 | 21,832,000 |
| Noninterest expense | 13,331,000 | 27,126,000 | 40,556,000 | 53,907,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,700,000 |
| Pretax income | 5,136,000 | 11,367,000 | 18,512,000 | 26,480,000 |
| Income tax | 1,275,000 | 2,848,000 | 4,502,000 | 5,999,000 |
| Net income | 3,861,000 | 8,519,000 | 14,010,000 | 20,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,481,000 | 211,351,000 | 215,138,000 | 219,909,000 |
| Total capital | 227,524,000 | 230,193,000 | 234,149,000 | 239,467,000 |
| Risk-weighted assets | 1,520,974,000 | 1,504,401,000 | 1,517,820,000 | 1,560,724,000 |