Call reports 2003
FIRST NATIONAL BANK SOUTH DAKOTA — 2003
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 416,316,000 | 407,623,000 | 408,482,000 | 420,951,000 |
| Total loans | 321,400,000 | 328,615,000 | 327,274,000 | 329,151,000 |
| Allowance for loan losses | 6,389,000 | 6,347,000 | 6,223,000 | 5,487,000 |
| Securities available for sale | 7,894,000 | 5,329,000 | 2,834,000 | 2,584,000 |
| Securities held to maturity | 39,848,000 | 38,305,000 | 30,216,000 | 33,675,000 |
| Trading assets | 0 | 0 | 0 | 2,722,000 |
| Total deposits | 355,546,000 | 346,928,000 | 351,966,000 | 364,871,000 |
| Interest-bearing deposits | 341,075,000 | 338,794,000 | 338,530,000 | 340,196,000 |
| Noninterest-bearing deposits | 14,471,000 | 8,134,000 | 13,436,000 | 24,675,000 |
| Equity capital | 43,580,000 | 44,578,000 | 45,543,000 | 43,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,388,000 | 14,994,000 | 22,166,000 | 29,104,000 |
| Interest expense | 2,038,000 | 3,967,000 | 5,825,000 | 7,643,000 |
| Net interest income | 5,350,000 | 11,027,000 | 16,341,000 | 21,461,000 |
| Noninterest income | 821,000 | 1,587,000 | 2,515,000 | 2,373,000 |
| Noninterest expense | 3,313,000 | 6,606,000 | 9,911,000 | 13,247,000 |
| Provision for loan losses | 2,271,000 | 3,762,000 | 5,181,000 | 5,876,000 |
| Pretax income | 587,000 | 2,246,000 | 3,764,000 | 4,714,000 |
| Income tax | 174,000 | 774,000 | 1,286,000 | 1,622,000 |
| Net income | 413,000 | 1,472,000 | 2,478,000 | 3,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,393,000 | 29,499,000 | 30,551,000 | 28,857,000 |
| Total capital | 34,788,000 | 35,922,000 | 36,949,000 | 35,150,000 |
| Risk-weighted assets | 339,028,000 | 341,334,000 | 339,425,000 | 346,780,000 |