Call reports 2007
FIRST NATIONAL BANK SOUTH DAKOTA — 2007
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 398,909,000 | 410,515,000 | 427,278,000 | 434,718,000 |
| Total loans | 312,570,000 | 332,355,000 | 341,313,000 | 365,780,000 |
| Allowance for loan losses | 2,950,000 | 2,952,000 | 3,060,000 | 3,364,000 |
| Securities available for sale | 383,000 | 347,000 | 317,000 | 290,000 |
| Securities held to maturity | 32,452,000 | 27,384,000 | 24,284,000 | 18,874,000 |
| Trading assets | 5,703,000 | 0 | 0 | 0 |
| Total deposits | 345,007,000 | 356,775,000 | 368,169,000 | 376,956,000 |
| Interest-bearing deposits | 309,020,000 | 322,319,000 | 308,892,000 | 339,413,000 |
| Noninterest-bearing deposits | 35,987,000 | 34,456,000 | 59,277,000 | 37,543,000 |
| Equity capital | 47,506,000 | 47,151,000 | 47,981,000 | 51,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,062,000 | 14,257,000 | 21,646,000 | 28,948,000 |
| Interest expense | 2,724,000 | 5,686,000 | 8,789,000 | 11,905,000 |
| Net interest income | 4,338,000 | 8,571,000 | 12,857,000 | 17,043,000 |
| Noninterest income | 738,000 | 1,345,000 | 2,347,000 | 3,423,000 |
| Noninterest expense | 3,385,000 | 6,739,000 | 10,405,000 | 13,804,000 |
| Provision for loan losses | 154,000 | 236,000 | 553,000 | 1,227,000 |
| Pretax income | 1,537,000 | 2,941,000 | 4,246,000 | 5,435,000 |
| Income tax | 564,000 | 1,072,000 | 1,549,000 | 1,977,000 |
| Net income | 973,000 | 1,869,000 | 2,697,000 | 3,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,832,000 | 32,478,000 | 33,308,000 | 36,566,000 |
| Total capital | 36,425,000 | 36,073,000 | 37,011,000 | 40,234,000 |
| Risk-weighted assets | 332,353,000 | 347,378,000 | 363,629,000 | 381,062,000 |