Call reports 2005
FIRST NATIONAL BANK SOUTH DAKOTA — 2005
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 410,515,000 | 397,040,000 | 430,881,000 | 413,701,000 |
| Total loans | 296,698,000 | 311,539,000 | 320,870,000 | 317,487,000 |
| Allowance for loan losses | 2,835,000 | 3,107,000 | 3,353,000 | 3,358,000 |
| Securities available for sale | 869,000 | 777,000 | 698,000 | 632,000 |
| Securities held to maturity | 39,926,000 | 39,789,000 | 39,862,000 | 39,291,000 |
| Trading assets | 6,893,000 | 6,439,000 | 6,902,000 | 8,233,000 |
| Total deposits | 354,421,000 | 341,156,000 | 357,440,000 | 354,532,000 |
| Interest-bearing deposits | 299,861,000 | 295,952,000 | 285,517,000 | 294,234,000 |
| Noninterest-bearing deposits | 54,560,000 | 45,204,000 | 71,923,000 | 60,298,000 |
| Equity capital | 44,250,000 | 44,043,000 | 44,891,000 | 44,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,128,000 | 12,370,000 | 18,773,000 | 25,730,000 |
| Interest expense | 1,669,000 | 3,427,000 | 5,375,000 | 7,534,000 |
| Net interest income | 4,459,000 | 8,943,000 | 13,398,000 | 18,196,000 |
| Noninterest income | 806,000 | 1,631,000 | 2,510,000 | 2,418,000 |
| Noninterest expense | 3,166,000 | 6,275,000 | 9,385,000 | 12,627,000 |
| Provision for loan losses | 663,000 | 1,607,000 | 2,499,000 | 3,593,000 |
| Pretax income | 1,436,000 | 2,692,000 | 4,024,000 | 4,394,000 |
| Income tax | 532,000 | 990,000 | 1,470,000 | 1,589,000 |
| Net income | 904,000 | 1,702,000 | 2,554,000 | 2,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,553,000 | 29,352,000 | 30,203,000 | 29,455,000 |
| Total capital | 33,889,000 | 33,964,000 | 35,064,000 | 33,857,000 |
| Risk-weighted assets | 318,528,000 | 319,760,000 | 338,808,000 | 336,456,000 |