Call reports 2005
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2005
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,082,000 | 161,451,000 | 168,712,000 | 171,096,000 |
| Total loans | 115,065,000 | 119,851,000 | 124,151,000 | 125,315,000 |
| Allowance for loan losses | 1,545,000 | 1,608,000 | 1,670,000 | 1,623,000 |
| Securities available for sale | 30,117,000 | 33,112,000 | 35,238,000 | 34,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,958,000 | 131,258,000 | 141,904,000 | 140,345,000 |
| Interest-bearing deposits | 111,575,000 | 106,680,000 | 116,606,000 | 117,957,000 |
| Noninterest-bearing deposits | 24,383,000 | 24,578,000 | 25,298,000 | 22,388,000 |
| Equity capital | 12,485,000 | 13,069,000 | 13,192,000 | 13,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,989,000 | 4,174,000 | 6,537,000 | 8,975,000 |
| Interest expense | 683,000 | 1,428,000 | 2,321,000 | 3,278,000 |
| Net interest income | 1,306,000 | 2,746,000 | 4,216,000 | 5,697,000 |
| Noninterest income | 130,000 | 251,000 | 440,000 | 598,000 |
| Noninterest expense | 1,074,000 | 2,190,000 | 3,378,000 | 4,552,000 |
| Provision for loan losses | 12,000 | 71,000 | 128,000 | 132,000 |
| Pretax income | 350,000 | 736,000 | 1,152,000 | 1,614,000 |
| Income tax | 112,000 | 235,000 | 368,000 | 514,000 |
| Net income | 238,000 | 501,000 | 784,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,782,000 | 13,059,000 | 13,341,000 | 13,658,000 |
| Total capital | 14,327,000 | 14,667,000 | 15,011,000 | 15,281,000 |
| Risk-weighted assets | 134,506,000 | 139,788,000 | 144,476,000 | 146,764,000 |
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