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

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First National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)120
Total assets$696,810
Cash and due from depository institutions$55,005
Interest-bearing balances$41,842
Federal funds sold & reverse repurchase agreements$16,570
Net loans & leases$433,852
Loan loss allowance $28,364
Trading account assets$0
Bank premises and fixed assets$16,656
Other real estate owned$1,954
Goodwill and other intangibles$5,706
All other assets$17,930
Life insurance assets$696,810
Total liabilities and capital$551,082
Total liabilities$522,333
Total deposits$421,695
Interest-bearing deposits$522,333
Deposits held in domestic offices$73
% insured (estimated)11991.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $16,758
All other liabilities $145,728
Total equity capital$145,728
Total bank equity capital$145,728
Perpetual preferred stock$10,000
Common stock$971
Undivided profits $121,783
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,472
Income earned, not collected on loans $7,803
Earning assets $40
Long-term assets (5+ years) $4,362
Average Assets, year-to-date $641,401
Average Assets, quarterly $214,050
Volatile liabilities $666,077
Insider loans $685,507
FHLB advances $489,726
Loans and leases held for sale $705,197
Unused loan commitments $2,656
Tier 1 (core) risk-based capital $2,656
Tier 2 risk-based capital $138,424
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $68,255
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $51,696
Total interest expense $3,280
Net interest income $48,416
Provision for loan and lease losses $19,009
Total noninterest income $26,024
Fiduciary activities $0
Service charges on deposit accounts $1,807
Trading account gains & fees $0
Additional noninterest income $24,217
Total noninterest expense $30,088
Salaries and employee benefits $7,331
Premises and equipment expense $2,049
Additional noninterest expense $20,708
Pre-tax net operating income $25,343
Securities gains (losses) $0
Applicable income taxes $9,076
Income before extraordinary items $16,267
Extraordinary gains - net $0
Net income attributable to bank $16,267
Net charge-offs $0
Cash dividends $16,267
Sale, conversion, retirement of capital stock, net $15,113
Net operating income $3,884
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.43%
Cost of funding earning assets 0.53%
Net interest margin 7.90%
Noninterest income to earning assets 4.24%
Noninterest expense to earning assets 4.91%
Net operating income to assets 2.44%
Return on assets (ROA) 2.44%
Pretax return on assets 3.80%
Return on equity (ROE) 11.69%
Retained earnings to average equity (YTD only) 8.90%
Net charge-offs to loans 3.28%
Credit loss provision to net charge-offs 125.78%
Efficiency ratio2.93%
Assets per employee$40,419
Cash dividends to net income (YTD only)5.81%
Condition Ratios (%)
Loss allowance to loans 23.88%
Loss allowance to noncurrent loans 6.14%
Noncurrent assets plus other real estate owned to assets 363.50%
Noncurrent loans to loans 1.40%
Net loans and leases to deposits1.69%
Net loans and leases to core deposits 83.06%
Equity capital to assets 89.14%
Core capital (leverage) ratio 20.91%
Tier 1 risk-based capital ratio 19.63%
Total risk-based capital ratio 28.27%
Average assets$30
Average earning assets$666,077
Average equity $139,127
Average loans $613,195
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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
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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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