Call reports 2009
FIRST NATIONAL BANK SOUTH DAKOTA — 2009
What FIRST NATIONAL BANK SOUTH DAKOTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 471,694,000 | 462,818,000 | 446,798,000 | 431,370,000 |
| Total loans | 386,198,000 | 368,999,000 | 351,720,000 | 336,658,000 |
| Allowance for loan losses | 6,423,000 | 7,367,000 | 9,171,000 | 10,490,000 |
| Securities available for sale | 19,396,000 | 18,608,000 | 21,310,000 | 34,566,000 |
| Securities held to maturity | 17,240,000 | 17,298,000 | 14,543,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,400,000 | 376,382,000 | 367,394,000 | 368,098,000 |
| Interest-bearing deposits | 358,286,000 | 341,124,000 | 334,481,000 | 327,379,000 |
| Noninterest-bearing deposits | 35,114,000 | 35,258,000 | 32,913,000 | 40,719,000 |
| Equity capital | 53,007,000 | 50,936,000 | 51,278,000 | 50,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,257,000 | 14,780,000 | 22,567,000 | 29,975,000 |
| Interest expense | 2,137,000 | 4,182,000 | 5,897,000 | 7,448,000 |
| Net interest income | 5,120,000 | 10,598,000 | 16,670,000 | 22,527,000 |
| Noninterest income | 966,000 | 1,896,000 | 2,856,000 | 3,537,000 |
| Noninterest expense | 3,668,000 | 7,526,000 | 10,787,000 | 14,052,000 |
| Provision for loan losses | 1,750,000 | 4,547,000 | 8,141,000 | 12,371,000 |
| Pretax income | 668,000 | 421,000 | 598,000 | -359,000 |
| Income tax | 218,000 | 86,000 | 93,000 | -64,000 |
| Net income | 450,000 | 335,000 | 505,000 | -295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,154,000 | 36,038,000 | 36,209,000 | 35,408,000 |
| Total capital | 42,986,000 | 40,846,000 | 40,796,000 | 39,848,000 |
| Risk-weighted assets | 384,940,000 | 382,034,000 | 362,299,000 | 349,104,000 |