Call reports 2002
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2002
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,574,000 | 110,809,000 | 114,009,000 | 116,570,000 |
| Total loans | 73,520,000 | 77,089,000 | 86,049,000 | 90,460,000 |
| Allowance for loan losses | 867,000 | 943,000 | 1,023,000 | 1,153,000 |
| Securities available for sale | 22,785,000 | 20,311,000 | 20,419,000 | 15,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,231,000 | 92,429,000 | 95,834,000 | 95,225,000 |
| Interest-bearing deposits | 63,530,000 | 72,524,000 | 73,137,000 | 74,460,000 |
| Noninterest-bearing deposits | 16,701,000 | 19,905,000 | 22,697,000 | 20,765,000 |
| Equity capital | 9,981,000 | 10,557,000 | 11,120,000 | 11,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,877,000 | 4,432,000 | 5,993,000 |
| Interest expense | 432,000 | 912,000 | 1,354,000 | 1,751,000 |
| Net interest income | 965,000 | 1,965,000 | 3,078,000 | 4,242,000 |
| Noninterest income | 297,000 | 597,000 | 916,000 | 1,330,000 |
| Noninterest expense | 1,031,000 | 2,086,000 | 3,145,000 | 4,378,000 |
| Provision for loan losses | 208,000 | 283,000 | 362,000 | 492,000 |
| Pretax income | 82,000 | 257,000 | 551,000 | 853,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 257,000 | 551,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,149,000 | 10,324,000 | 10,618,000 | 10,920,000 |
| Total capital | 11,016,000 | 11,267,000 | 11,641,000 | 12,073,000 |
| Risk-weighted assets | 79,005,000 | 85,512,000 | 92,227,000 | 97,598,000 |