Call reports 2008
SCOTTISH BANK NATIONAL ASSOCIATION, THE — 2008
What SCOTTISH BANK NATIONAL ASSOCIATION, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 247,375,000 | 260,797,000 | 270,117,000 |
| Total loans | 169,397,000 | 192,262,000 | 203,275,000 |
| Allowance for loan losses | 1,960,000 | 2,501,000 | 2,823,000 |
| Securities available for sale | 26,329,000 | 24,813,000 | 23,239,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 167,941,000 | 168,320,000 | 194,534,000 |
| Interest-bearing deposits | 146,129,000 | 144,993,000 | 176,853,000 |
| Noninterest-bearing deposits | 21,812,000 | 23,327,000 | 17,681,000 |
| Equity capital | 46,785,000 | 47,811,000 | 49,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 3,321,000 | 6,581,000 | 10,063,000 |
| Interest expense | 1,544,000 | 2,780,000 | 4,111,000 |
| Net interest income | 1,777,000 | 3,801,000 | 5,952,000 |
| Noninterest income | 150,000 | 323,000 | 507,000 |
| Noninterest expense | 1,527,000 | 3,123,000 | 4,688,000 |
| Provision for loan losses | 86,000 | 628,000 | 1,072,000 |
| Pretax income | 323,000 | 726,000 | 1,053,000 |
| Income tax | 76,000 | 206,000 | 275,000 |
| Net income | 247,000 | 520,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 16,493,000 | 17,387,000 | 19,170,000 |
| Total capital | 18,453,000 | 19,788,000 | 21,685,000 |
| Risk-weighted assets | 174,148,000 | 191,987,000 | 200,863,000 |
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