Call reports 2006
FIRST NATIONAL BANK SOUTH DAKOTA — 2006
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 403,132,000 | 402,378,000 | 408,554,000 | 411,763,000 |
| Total loans | 315,436,000 | 313,382,000 | 304,670,000 | 309,638,000 |
| Allowance for loan losses | 3,607,000 | 3,643,000 | 3,548,000 | 3,285,000 |
| Securities available for sale | 573,000 | 511,000 | 463,000 | 421,000 |
| Securities held to maturity | 33,911,000 | 32,127,000 | 30,690,000 | 37,557,000 |
| Trading assets | 9,980,000 | 6,829,000 | 6,477,000 | 5,648,000 |
| Total deposits | 341,958,000 | 346,204,000 | 355,557,000 | 359,124,000 |
| Interest-bearing deposits | 293,533,000 | 307,439,000 | 315,331,000 | 318,352,000 |
| Noninterest-bearing deposits | 48,425,000 | 38,765,000 | 40,226,000 | 40,772,000 |
| Equity capital | 44,954,000 | 45,484,000 | 46,350,000 | 46,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,429,000 | 13,184,000 | 20,198,000 | 27,398,000 |
| Interest expense | 2,249,000 | 4,700,000 | 7,312,000 | 10,139,000 |
| Net interest income | 4,180,000 | 8,484,000 | 12,886,000 | 17,259,000 |
| Noninterest income | 1,320,000 | 2,018,000 | 2,759,000 | 3,591,000 |
| Noninterest expense | 3,304,000 | 6,831,000 | 10,152,000 | 13,578,000 |
| Provision for loan losses | 895,000 | 1,543,000 | 1,975,000 | 2,319,000 |
| Pretax income | 1,301,000 | 2,128,000 | 3,518,000 | 4,953,000 |
| Income tax | 481,000 | 775,000 | 1,298,000 | 1,799,000 |
| Net income | 820,000 | 1,353,000 | 2,220,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,275,000 | 30,809,000 | 31,675,000 | 31,859,000 |
| Total capital | 34,926,000 | 35,496,000 | 36,267,000 | 35,787,000 |
| Risk-weighted assets | 330,576,000 | 330,137,000 | 327,847,000 | 330,750,000 |