Call reports 2004
STATE BANK OF SCOTIA — 2004
What STATE BANK OF SCOTIA 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 | 23,318,000 | 23,209,000 | 23,323,000 | 22,815,000 |
| Total loans | 12,752,000 | 12,950,000 | 12,770,000 | 11,753,000 |
| Allowance for loan losses | 581,000 | 497,000 | 492,000 | 408,000 |
| Securities available for sale | 2,045,000 | 1,758,000 | 1,804,000 | 1,782,000 |
| Securities held to maturity | 6,810,000 | 6,549,000 | 6,609,000 | 6,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,740,000 | 17,656,000 | 17,600,000 | 17,205,000 |
| Interest-bearing deposits | 15,518,000 | 15,753,000 | 14,872,000 | 14,993,000 |
| Noninterest-bearing deposits | 2,222,000 | 1,903,000 | 2,728,000 | 2,212,000 |
| Equity capital | 4,921,000 | 4,905,000 | 5,085,000 | 4,996,000 |
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 | 343,000 | 662,000 | 984,000 | 1,283,000 |
| Interest expense | 89,000 | 174,000 | 259,000 | 343,000 |
| Net interest income | 254,000 | 488,000 | 725,000 | 940,000 |
| Noninterest income | 22,000 | 40,000 | 63,000 | 84,000 |
| Noninterest expense | 120,000 | 295,000 | 423,000 | 587,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 225,000 |
| Pretax income | 66,000 | 143,000 | 275,000 | 212,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 58,000 | 135,000 | 267,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,812,000 | 4,883,000 | 5,015,000 | 4,947,000 |
| Total capital | 5,017,000 | 5,090,000 | 5,222,000 | 5,141,000 |
| Risk-weighted assets | 16,030,000 | 16,272,000 | 16,307,000 | 15,329,000 |