Call reports 2003
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2003
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 132,963,000 | 133,760,000 | 127,955,000 | 131,741,000 |
| Total loans | 99,985,000 | 100,499,000 | 100,187,000 | 101,750,000 |
| Allowance for loan losses | 1,434,000 | 1,446,000 | 1,394,000 | 1,318,000 |
| Securities available for sale | 15,499,000 | 14,391,000 | 18,319,000 | 18,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,930,000 | 116,182,000 | 110,393,000 | 107,713,000 |
| Interest-bearing deposits | 89,660,000 | 85,490,000 | 86,566,000 | 83,577,000 |
| Noninterest-bearing deposits | 25,270,000 | 30,692,000 | 23,827,000 | 24,136,000 |
| Equity capital | 11,227,000 | 11,483,000 | 11,534,000 | 11,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 2,969,000 | 4,465,000 | 5,930,000 |
| Interest expense | 426,000 | 826,000 | 1,178,000 | 1,501,000 |
| Net interest income | 1,040,000 | 2,143,000 | 3,287,000 | 4,429,000 |
| Noninterest income | 420,000 | 903,000 | 1,376,000 | 1,682,000 |
| Noninterest expense | 1,205,000 | 2,510,000 | 3,829,000 | 4,938,000 |
| Provision for loan losses | 281,000 | 294,000 | 398,000 | 647,000 |
| Pretax income | 80,000 | 348,000 | 558,000 | 654,000 |
| Income tax | -39,000 | -8,000 | 4,000 | -30,000 |
| Net income | 119,000 | 356,000 | 554,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,061,000 | 11,298,000 | 11,496,000 | 11,627,000 |
| Total capital | 12,435,000 | 12,693,000 | 12,891,000 | 12,945,000 |
| Risk-weighted assets | 109,878,000 | 111,514,000 | 112,234,000 | 117,122,000 |
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