The First National Bank in Sioux Falls in Sioux Falls, South Dakota (SD)
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| The First National Bank in Sioux Falls | |
|---|---|
| General | FDIC Certificate #: 4016 Status: Active Federal Reserve ID: 326858 Bank Holding Company (Regulatory Top Holder): Minnehaha Banshares, Inc. (RSSDID: 1126354, Location: Sioux Falls, SD) Date Established: September 08, 1885 WWW: http://www.fnbsf.com 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: 18 (Domestic: 18, Interstate: No) OTS Docket #: 12075 FDIC's unique #: 2602 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: All Other Specialization > 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 01, 2007 Last Structure Change Process Date: May 31, 2007 Last Data Update: May 31, 2007 Data Source Date: April 05, 2012 |
| Location | Address: 100 South Phillips Avenue, Sioux Falls, SD 57101 County: Minnehaha 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 Metropolitan Statistical Area (MSA): Sioux Falls, SD (#7760) Core Based Statistical Area (CBSA): Sioux Falls, SD (#43620) CBSA Metro Statistical Area: Sioux Falls, SD (#43620) |
| History of Changes | Participated in Absorption/Consolidation/Merger |
| Financial Summary | Total assets: $1,054.1 mil Equity capital: $136.5 mil Deposits held in domestic offices: $755.9 mil Return on assets (ROA): 0.73% ($7.7 mil) Quarterly return on assets: 0.75% ($7.9 mil) Return on Equity (ROE): 5.75% ($7.8 mil) Quarterly return on equity: 5.73% ($7.8 mil) Net income: $7.6 mil Quarterly Net income: $2.0 mil Pretax return on assets: 0.99% ($10,435.5 mil) Quarterly Pretax return on assets: 1.06% ($11,173.3 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 248 |
| Total assets | $1,054,086 |
| Cash and due from depository institutions | $131,030 |
| Interest-bearing balances | $105,009 |
| Securities | $340,029 |
| Federal funds sold & reverse repurchase agreements | $2,100 |
| Net loans & leases | $539,634 |
| Loan loss allowance | $15,571 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $15,745 |
| Other real estate owned | $1,078 |
| Goodwill and other intangibles | $420 |
| All other assets | $24,050 |
| Life insurance assets | $1,054,086 |
| Total liabilities and capital | $917,602 |
| Total liabilities | $755,882 |
| Total deposits | $493,804 |
| Interest-bearing deposits | $755,882 |
| Deposits held in domestic offices | $61 |
| % insured (estimated) | 150362.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $1,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $10,358 |
| All other liabilities | $136,484 |
| Total equity capital | $136,484 |
| Total bank equity capital | $136,484 |
| Perpetual preferred stock | $0 |
| Common stock | $32,995 |
| Surplus | $8,700 |
| Undivided profits | $94,789 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $766 |
| Income earned, not collected on loans | $17,721 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $4,948 |
| Average Assets, year-to-date | $986,772 |
| Average Assets, quarterly | $464,264 |
| Volatile liabilities | $1,047,807 |
| Insider loans | $1,035,342 |
| FHLB advances | $617,822 |
| Loans and leases held for sale | $1,058,011 |
| Unused loan commitments | $10,953 |
| Tier 1 (core) risk-based capital | $10,953 |
| Tier 2 risk-based capital | $126,746 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $212,666 |
| Derivatives | $4,922 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $41,726 |
| Total interest expense | $11,843 |
| Net interest income | $29,883 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $13,689 |
| Fiduciary activities | $5,245 |
| Service charges on deposit accounts | $1,493 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $6,951 |
| Total noninterest expense | $33,208 |
| Salaries and employee benefits | $18,584 |
| Premises and equipment expense | $5,799 |
| Additional noninterest expense | $8,825 |
| Pre-tax net operating income | $10,364 |
| Securities gains (losses) | $43 |
| Applicable income taxes | $2,788 |
| Income before extraordinary items | $7,619 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $7,619 |
| Net charge-offs | $0 |
| Cash dividends | $7,619 |
| Sale, conversion, retirement of capital stock, net | -$924 |
| Net operating income | $2,160 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.24% |
| Cost of funding earning assets | 1.20% |
| Net interest margin | 3.04% |
| Noninterest income to earning assets | 1.39% |
| Noninterest expense to earning assets | 3.37% |
| Net operating income to assets | 0.72% |
| Return on assets (ROA) | 0.73% |
| Pretax return on assets | 0.99% |
| Return on equity (ROE) | 5.75% |
| Retained earnings to average equity (YTD only) | 4.12% |
| Net charge-offs to loans | -0.16% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $76,214 |
| Cash dividends to net income (YTD only) | 4.25% |
| Condition Ratios (%) | |
| Loss allowance to loans | 28.35% |
| Loss allowance to noncurrent loans | 2.80% |
| Noncurrent assets plus other real estate owned to assets | 87.87% |
| Noncurrent loans to loans | 1.78% |
| Net loans and leases to deposits | 3.19% |
| Net loans and leases to core deposits | 71.39% |
| Equity capital to assets | 80.68% |
| Core capital (leverage) ratio | 12.95% |
| Tier 1 risk-based capital ratio | 11.98% |
| Total risk-based capital ratio | 20.51% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $1,047,807 |
| Average equity | $132,550 |
| Average loans | $984,128 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $2,479,762 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $789,001 |
| Employee benefit-defined contribution accounts | $456,305 |
| Employee benefit-defined benefit accounts | $27,979 |
| Other retirement accounts | $38,646 |
| Corporate trust and agency accounts | $15,894 |
| Investment management agency accounts | $11,092 |
| Other fiduciary accounts | $239,063 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $22 |
| Number of Accounts | 1711 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $14,829 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $1,690,761 |
| Corporate trust and agency accounts | $608,953 |
| Other fiduciary accounts | $233,590 |
| Fiduciary accounts held in foreign offices | $43,995 |
| 18 South Dakota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2602 | The First National Bank In Sioux Fal | 100 South Phillips Avenue, Sioux Falls, SD 57101 | September 08, 1885 | Full Service Brick and Mortar |  |
| 1 | 202202 | Western Mall Branch | 2505 West 41st Street, Sioux Falls, SD 57105 | October 28, 1968 | Full Service Brick and Mortar |  |
| 6 | 7104 | Dell Rapids Branch | 312 East 4th Street, Dell Rapids, SD 57022 | Febuary 17, 1902 | Full Service Brick and Mortar | |
| 7 | 224080 | Baltic Branch | 202 Saint Olaf, Baltic, SD 57003 | December 10, 1975 | Full Service Brick and Mortar | |
| 8 | 208687 | Brandon Branch | 101 S Splitrock Blvd, Brandon, SD 57005 | August 01, 1969 | Full Service Brick and Mortar | |
| 10 | 202205 | 57th Street Branch | 401 West 57th Street, Sioux Falls, SD 57108 | July 06, 1993 | Full Service Brick and Mortar | |
| 11 | 202206 | Westport Branch | 4000 South Westport Avenue, Sioux Falls, SD 57106 | September 04, 1996 | Full Service Brick and Mortar | |
| 12 | 202207 | Prince Of Peace | 4500 Prince Of Peace Place, Sioux Falls, SD 57103 | November 04, 1996 | Full Service Brick and Mortar | |
| 14 | 202209 | Sycamore Branch | 500 North Sycamore Avenue, Sioux Falls, SD 57110 | March 16, 1998 | Full Service Brick and Mortar | |
| 15 | 340804 | Sioux Falls - Benson Road Office Bra | 1901 East Benson Road, Sioux Falls, SD 57104 | May 30, 2000 | Full Service Brick and Mortar | |
| 16 | 419631 | Sertoma Branch | 7109 West 26th Street, Sioux Falls, SD 57106 | July 05, 2002 | Full Service Brick and Mortar | |
| 17 | 419632 | Waterford Branch | 111 West 17th Street, Sioux Falls, SD 57104 | July 17, 2002 | Full Service Brick and Mortar | |
| 18 | 423297 | Trail Ridge Branch | 3408 W. Ralph Rogers Road, Sioux Falls, SD 57108 | November 03, 2003 | Full Service Brick and Mortar | |
| 19 | 438813 | Harrisburg Branch | 408 North Cliff Avenue, Harrisburg, SD 57032 | December 21, 2004 | Full Service Brick and Mortar | |
| 20 | 441949 | Dow Rummel Branch | 1321 West Dow Rummel Street, Sioux Falls, SD 57104 | May 09, 2005 | Full Service Brick and Mortar | |
| 22 | 462299 | Bethany Meadows Branch | 3008 East Aspen Boulevard, Brandon, SD 57005 | Febuary 12, 2007 | Full Service Brick and Mortar | |
| 23 | 766 | Farmers State Bank Branch | 120 East Second Avenue, Flandreau, SD 57028 | January 01, 1911 | Full Service Brick and Mortar | |
| 24 | 467793 | Maple Branch | 4110 West Maple Street, Sioux Falls, SD 57107 | July 02, 2007 | Full Service Brick and Mortar | |
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