First National Bank in Fort Pierre, South Dakota (SD), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank in Fort Pierre, South Dakota (SD), CO
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First National Bank - Overview

  • General
  • FDIC Certificate #: 14712
    Status: Active
    Federal Reserve ID: 355858
    Bank Holding Company (Regulatory Top Holder): Capitol Bancorporation, Inc. (RSSDID: 1127294, Location: Britton, SD)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 10576
    FDIC's unique #: 9203
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 24, 1934
    Last Structure Change Effective Date: April 01, 2007
    Last Structure Change Process Date: March 13, 2009
    Last Data Update: March 13, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 307 E Hustan Ave, Fort Pierre, SD 57532
    County: Stanley
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Pierre, SD (#38180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $696.8 mil
    Equity capital: $145.7 mil
    Deposits held in domestic offices: $522.3 mil
    Return on assets (ROA): 2.44% ($17.0 mil)
    Quarterly return on assets: 2.61% ($18.2 mil)
    Return on Equity (ROE): 11.69% ($17.1 mil)
    Quarterly return on equity: 12.43% ($18.1 mil)
    Net income: $16.3 mil
    Quarterly Net income: $4.5 mil
    Pretax return on assets: 3.80% ($26,478.8 mil)
    Quarterly Pretax return on assets: 4.07% ($28,360.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 120Total employees (full-time equivalent)
  • $696,810Total assets
  • $55,005Cash and due from depository institutions
  • $41,842Interest-bearing balances
  • $149,137Securities
  • $16,570Federal funds sold & reverse repurchase agreements
  • $433,852Net loans & leases
  • $28,364Loan loss allowance
  • $0Trading account assets
  • $16,656Bank premises and fixed assets
  • $1,954Other real estate owned
  • $5,706Goodwill and other intangibles
  • $696,810Life insurance assets
  • $17,930All other assets
  • $551,082Total liabilities and capital
  • $522,333Total liabilities
  • $421,695Total deposits
  • $522,333Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 11991.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16,758Subordinated debt
  • $145,728All other liabilities
  • $145,728Total equity capital
  • $145,728Total bank equity capital
  • $10,000Perpetual preferred stock
  • $971Common stock
  • $12,974Surplus
  • $121,783Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,472Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,803Income earned, not collected on loans
  • $40Earning assets
  • $4,362Long-term assets (5+ years)
  • $641,401Average Assets, year-to-date
  • $214,050Average Assets, quarterly
  • $666,077Volatile liabilities
  • $685,507Insider loans
  • $489,726FHLB advances
  • $705,197Loans and leases held for sale
  • $2,656Unused loan commitments
  • $2,656Tier 1 (core) risk-based capital
  • $138,424Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $68,255Restructured Loans and leases
  • $2,218Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $51,696Total interest income
  • $3,280Total interest expense
  • $48,416Net interest income
  • $19,009Provision for loan and lease losses
  • $26,024Total noninterest income
  • $0Fiduciary activities
  • $1,807Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,217Additional noninterest income
  • $30,088Total noninterest expense
  • $7,331Salaries and employee benefits
  • $2,049Premises and equipment expense
  • $20,708Additional noninterest expense
  • $25,343Pre-tax net operating income
  • $0Securities gains (losses)
  • $9,076Applicable income taxes
  • $16,267Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,267Net income attributable to bank
  • $0Net charge-offs
  • $16,267Cash dividends
  • $15,113Sale, conversion, retirement of capital stock, net
  • $3,884Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.43%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 7.90%Net interest margin
  • 4.24%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • 2.44%Net operating income to assets
  • 2.44%Return on assets (ROA)
  • 3.80%Pretax return on assets
  • 11.69%Return on equity (ROE)
  • 8.90%Retained earnings to average equity (YTD only)
  • 3.28%Net charge-offs to loans
  • 125.78%Credit loss provision to net charge-offs
  • 2.93%Efficiency ratio
  • 40,419Assets per employee
  • 5.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.88%Loss allowance to loans
  • 6.14%Loss allowance to noncurrent loans
  • 363.50%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 1.69%Net loans and leases to deposits
  • 83.06%Net loans and leases to core deposits
  • 89.14%Equity capital to assets
  • 20.91%Core capital (leverage) ratio
  • 19.63%Tier 1 risk-based capital ratio
  • 28.27%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $666,077Average earning assets
  • $139,127Average equity
  • $613,195Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1614505Arapahoe Bank And Trust Branch7777 East Arapahoe Road, Englewood, CO 80112March 20, 1973Full Service Brick and Mortar
  • 14 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09203First National Bank307 E Hustan Ave, Fort Pierre, SD 57532January 01, 1934Full Service Brick and Mortar
    1231972Mall Branch1615 North Harrison Avenue, Pierre, SD 57501June 15, 1981Full Service Brick and Mortar
    26356Lead Branch197 Glendale Ave., Lead, SD 57754January 01, 1903Full Service Brick and Mortar
    44095Frontier Branch410 Main Street, Murdo, SD 57559May 30, 1912Full Service Brick and Mortar
    5208666Midland Branch410 Main Street, Midland, SD 57552March 29, 1938Full Service Brick and Mortar
    66358Mclaughlin Branch204 Main Street, Mc Laughlin, SD 57642August 24, 1910Full Service Brick and Mortar
    9263761Sturgis Branch955 Main Street, Sturgis, SD 57785January 01, 1925Full Service Brick and Mortar
    10288568Newell Branch217 Girard, Newell, SD 57760August 09, 1989Full Service Brick and Mortar
    11231974Rapid City Branch632 Main Street, Rapid City, SD 57701April 02, 1997Full Service Brick and Mortar
    12231975Credit Card Branch600 East 60th Street, North, Sioux Falls, SD 57104January 01, 1997Limited Service Consumer Credit
    13231976Pierre Branch125 West Sioux Avenue, Pierre, SD 57501January 24, 2000Full Service Brick and Mortar
    14768Huron Branch333 Dakota Avenue South, Huron, SD 57350January 01, 1918Full Service Brick and Mortar
    15187929Huron 18th Street Branch18th And Dakota Avenue South, Huron, SD 57350May 16, 1966Limited Service Facility
    18288571Lake Preston Branch210 North Main, Lake Preston, SD 57249August 09, 1989Full Service Brick and Mortar

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