Call reports 2004
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2004
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 130,207,000 | 139,221,000 | 146,011,000 | 151,100,000 |
| Total loans | 102,976,000 | 105,800,000 | 110,391,000 | 116,748,000 |
| Allowance for loan losses | 1,335,000 | 1,355,000 | 1,435,000 | 1,526,000 |
| Securities available for sale | 18,454,000 | 24,345,000 | 23,231,000 | 24,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,360,000 | 110,548,000 | 121,054,000 | 120,038,000 |
| Interest-bearing deposits | 87,498,000 | 86,859,000 | 94,084,000 | 97,242,000 |
| Noninterest-bearing deposits | 23,862,000 | 23,689,000 | 26,970,000 | 22,796,000 |
| Equity capital | 12,000,000 | 11,841,000 | 12,409,000 | 12,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 3,026,000 | 4,699,000 | 6,514,000 |
| Interest expense | 343,000 | 707,000 | 1,165,000 | 1,685,000 |
| Net interest income | 1,133,000 | 2,319,000 | 3,534,000 | 4,829,000 |
| Noninterest income | 228,000 | 530,000 | 783,000 | 932,000 |
| Noninterest expense | 1,141,000 | 2,326,000 | 3,425,000 | 4,421,000 |
| Provision for loan losses | -31,000 | -15,000 | 60,000 | 146,000 |
| Pretax income | 251,000 | 538,000 | 837,000 | 1,199,000 |
| Income tax | 84,000 | 177,000 | 275,000 | 394,000 |
| Net income | 167,000 | 361,000 | 562,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,864,000 | 12,078,000 | 12,278,000 | 12,526,000 |
| Total capital | 13,199,000 | 13,433,000 | 13,713,000 | 14,052,000 |
| Risk-weighted assets | 117,164,000 | 121,810,000 | 127,225,000 | 133,195,000 |
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