First National Bank South Dakota in Yankton, South Dakota (SD)

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First National Bank South Dakota
GeneralFDIC Certificate #: 18613
Status: Active
Federal Reserve ID: 379359
Bank Holding Company (Regulatory Top Holder): Lauritzen Corporation (RSSDID: 1066209, Location: Omaha, NE)
Date Established: October 05, 1962
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 12498
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: October 05, 1962
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 332 Broadway, Yankton, SD 57078
County: Yankton
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): Yankton, SD (#49460)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $419.7 mil
Equity capital: $47.3 mil
Deposits held in domestic offices: $370.3 mil
Return on assets (ROA): -0.37% (-$1.6 mil)
Quarterly return on assets: -0.20% (-$0.8 mil)
Return on Equity (ROE): -3.17% (-$1.5 mil)
Quarterly return on equity: -1.75% (-$0.8 mil)
Net income: -$1.5 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: -0.62% (-$2,602.4 mil)
Quarterly Pretax return on assets: -0.21% (-$881.5 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)99
Total assets$419,743
Cash and due from depository institutions$114,542
Interest-bearing balances$104,666
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$199,679
Loan loss allowance $3,872
Trading account assets$0
Bank premises and fixed assets$3,081
Other real estate owned$0
Goodwill and other intangibles$14,666
All other assets$8,836
Life insurance assets$419,743
Total liabilities and capital$372,403
Total liabilities$370,285
Total deposits$324,858
Interest-bearing deposits$370,285
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,118
All other liabilities $47,340
Total equity capital$47,340
Total bank equity capital$47,340
Perpetual preferred stock$0
Common stock$600
Undivided profits $28,190
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $888
Income earned, not collected on loans $5,238
Earning assets $199
Long-term assets (5+ years) $2,701
Average Assets, year-to-date $383,284
Average Assets, quarterly $47,365
Volatile liabilities $404,978
Insider loans $410,262
FHLB advances $191,380
Loans and leases held for sale $393,889
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $32,072
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $57,517
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,499
Total interest expense $2,446
Net interest income $12,053
Provision for loan and lease losses $2,094
Total noninterest income $337
Fiduciary activities $800
Service charges on deposit accounts $841
Trading account gains & fees $0
Additional noninterest income -$1,304
Total noninterest expense $13,196
Salaries and employee benefits $7,323
Premises and equipment expense $1,160
Additional noninterest expense $4,713
Pre-tax net operating income -$2,900
Securities gains (losses) $405
Applicable income taxes -$985
Income before extraordinary items -$1,510
Extraordinary gains - net $0
Net income attributable to bank -$1,510
Net charge-offs $0
Cash dividends -$1,510
Sale, conversion, retirement of capital stock, net $1,808
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.98%
Cost of funding earning assets 0.67%
Net interest margin 3.31%
Noninterest income to earning assets 0.09%
Noninterest expense to earning assets 3.62%
Net operating income to assets -0.44%
Return on assets (ROA) -0.37%
Pretax return on assets -0.62%
Return on equity (ROE) -3.17%
Retained earnings to average equity (YTD only) -3.17%
Net charge-offs to loans 0.81%
Credit loss provision to net charge-offs 115.82%
Efficiency ratio-0.45%
Assets per employee$106,505
Cash dividends to net income (YTD only)4.24%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.90%
Noncurrent assets plus other real estate owned to assets 73.92%
Noncurrent loans to loans 1.25%
Net loans and leases to deposits2.57%
Net loans and leases to core deposits 53.93%
Equity capital to assets 57.90%
Core capital (leverage) ratio 11.28%
Tier 1 risk-based capital ratio 8.14%
Total risk-based capital ratio 16.76%
Average assets$18
Average earning assets$404,978
Average equity $47,564
Average loans $364,070
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$193,496
Number of Accounts1
Personal trust and agency accounts$103,256
Employee benefit-defined contribution accounts$54,886
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$3,317
Investment management agency accounts$0
Other fiduciary accounts$28,809
Fiduciary accounts held in foreign offices$16,244
Non-managed Assets$0
Number of Accounts172
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,317
Employee benefit-defined benefit accounts$0
Other retirement accounts$90,240
Corporate trust and agency accounts$76,502
Other fiduciary accounts$12,981
Fiduciary accounts held in foreign offices$757
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5 South Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012498First National Bank South Dakota332 Broadway, Yankton, SD 57078October 05, 1962Full Service Brick and Mortar
1771Mitchell Branch210 North Lawler, Mitchell, SD 57301January 06, 1897Full Service Brick and Mortar
246921Huron Branch79 Second Street, S.W., Huron, SD 57350March 08, 1991Full Service Brick and Mortar
3773Woonsocket Branch505 W 7th St, Woonsocket, SD 57385July 24, 1924Full Service Brick and Mortar
7451978Sioux Falls Branch100 South Dakota Avenue, Sioux Falls, SD 57104May 08, 2006Full Service Brick and Mortar
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