Call reports 2008
FIRST NATIONAL BANK SOUTH DAKOTA — 2008
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 446,084,000 | 452,392,000 | 464,175,000 | 475,209,000 |
| Total loans | 365,794,000 | 372,093,000 | 379,166,000 | 378,586,000 |
| Allowance for loan losses | 3,659,000 | 3,886,000 | 4,307,000 | 5,771,000 |
| Securities available for sale | 8,078,000 | 7,596,000 | 10,506,000 | 10,411,000 |
| Securities held to maturity | 19,510,000 | 17,767,000 | 16,624,000 | 16,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,795,000 | 365,236,000 | 387,394,000 | 392,543,000 |
| Interest-bearing deposits | 353,283,000 | 329,915,000 | 344,737,000 | 354,854,000 |
| Noninterest-bearing deposits | 32,512,000 | 35,321,000 | 42,657,000 | 37,689,000 |
| Equity capital | 51,885,000 | 52,496,000 | 53,245,000 | 52,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,326,000 | 14,602,000 | 22,030,000 | 29,441,000 |
| Interest expense | 3,001,000 | 5,662,000 | 8,179,000 | 10,646,000 |
| Net interest income | 4,325,000 | 8,940,000 | 13,851,000 | 18,795,000 |
| Noninterest income | 1,037,000 | 2,095,000 | 3,205,000 | 4,093,000 |
| Noninterest expense | 3,533,000 | 7,032,000 | 10,587,000 | 14,004,000 |
| Provision for loan losses | 836,000 | 1,875,000 | 3,305,000 | 6,157,000 |
| Pretax income | 993,000 | 2,128,000 | 3,164,000 | 2,727,000 |
| Income tax | 352,000 | 774,000 | 1,116,000 | 840,000 |
| Net income | 641,000 | 1,354,000 | 2,048,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,207,000 | 37,920,000 | 38,614,000 | 37,703,000 |
| Total capital | 41,170,000 | 42,110,000 | 43,225,000 | 42,691,000 |
| Risk-weighted assets | 382,421,000 | 389,309,000 | 396,986,000 | 398,197,000 |
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