Call reports 2004
FIRST NATIONAL BANK SOUTH DAKOTA — 2004
What FIRST NATIONAL BANK 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 | 418,894,000 | 411,909,000 | 420,090,000 | 421,324,000 |
| Total loans | 331,217,000 | 334,587,000 | 339,608,000 | 308,371,000 |
| Allowance for loan losses | 6,157,000 | 5,314,000 | 4,961,000 | 3,399,000 |
| Securities available for sale | 1,407,000 | 1,207,000 | 1,081,000 | 974,000 |
| Securities held to maturity | 40,916,000 | 40,093,000 | 40,293,000 | 36,481,000 |
| Trading assets | 0 | 0 | 0 | 3,501,000 |
| Total deposits | 362,530,000 | 356,536,000 | 357,297,000 | 362,764,000 |
| Interest-bearing deposits | 316,223,000 | 339,807,000 | 319,195,000 | 323,745,000 |
| Noninterest-bearing deposits | 46,307,000 | 16,729,000 | 38,102,000 | 39,019,000 |
| Equity capital | 43,747,000 | 44,190,000 | 43,533,000 | 44,106,000 |
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 | 6,822,000 | 13,802,000 | 20,376,000 | 26,670,000 |
| Interest expense | 1,814,000 | 3,584,000 | 5,293,000 | 6,976,000 |
| Net interest income | 5,008,000 | 10,218,000 | 15,083,000 | 19,694,000 |
| Noninterest income | 813,000 | 1,663,000 | 2,604,000 | 1,666,000 |
| Noninterest expense | 3,389,000 | 6,648,000 | 9,845,000 | 13,162,000 |
| Provision for loan losses | 1,587,000 | 2,451,000 | 3,318,000 | 2,044,000 |
| Pretax income | 845,000 | 2,782,000 | 4,524,000 | 6,154,000 |
| Income tax | 307,000 | 1,034,000 | 1,680,000 | 2,300,000 |
| Net income | 538,000 | 1,748,000 | 2,844,000 | 3,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,874,000 | 29,381,000 | 28,775,000 | 29,399,000 |
| Total capital | 35,137,000 | 35,472,000 | 34,926,000 | 34,278,000 |
| Risk-weighted assets | 343,662,000 | 330,567,000 | 335,792,000 | 324,474,000 |