Call reports 2007
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2007
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 194,185,000 | 192,975,000 | 197,534,000 | 235,734,000 |
| Total loans | 143,316,000 | 149,057,000 | 152,471,000 | 161,711,000 |
| Allowance for loan losses | 1,604,000 | 1,682,000 | 1,735,000 | 1,875,000 |
| Securities available for sale | 34,994,000 | 33,556,000 | 32,019,000 | 31,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,378,000 | 159,603,000 | 166,190,000 | 175,662,000 |
| Interest-bearing deposits | 105,659,000 | 101,783,000 | 116,397,000 | 141,154,000 |
| Noninterest-bearing deposits | 57,719,000 | 57,820,000 | 49,793,000 | 34,508,000 |
| Equity capital | 18,157,000 | 18,089,000 | 18,564,000 | 46,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,122,000 | 6,355,000 | 9,622,000 | 1,194,000 |
| Interest expense | 1,560,000 | 3,102,000 | 4,715,000 | 547,000 |
| Net interest income | 1,562,000 | 3,253,000 | 4,907,000 | 647,000 |
| Noninterest income | 151,000 | 331,000 | 521,000 | 62,000 |
| Noninterest expense | 1,331,000 | 2,759,000 | 4,187,000 | 516,000 |
| Provision for loan losses | 2,000 | 109,000 | 162,000 | 40,000 |
| Pretax income | 380,000 | 716,000 | 1,079,000 | 153,000 |
| Income tax | 96,000 | 174,000 | 274,000 | 43,000 |
| Net income | 284,000 | 542,000 | 805,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,218,000 | 18,476,000 | 18,739,000 | 16,260,000 |
| Total capital | 19,822,000 | 20,158,000 | 20,474,000 | 18,135,000 |
| Risk-weighted assets | 165,739,000 | 159,873,000 | 164,657,000 | 170,695,000 |
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