Call reports 2005
STATE BANK OF SCOTIA — 2005
What STATE BANK OF SCOTIA 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 | 22,804,000 | 23,382,000 | 23,056,000 | 22,167,000 |
| Total loans | 12,522,000 | 13,467,000 | 13,089,000 | 12,619,000 |
| Allowance for loan losses | 348,000 | 383,000 | 349,000 | 245,000 |
| Securities available for sale | 1,741,000 | 1,772,000 | 1,739,000 | 1,730,000 |
| Securities held to maturity | 6,336,000 | 6,036,000 | 5,974,000 | 5,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,107,000 | 17,639,000 | 17,257,000 | 16,379,000 |
| Interest-bearing deposits | 15,056,000 | 14,780,000 | 14,875,000 | 13,850,000 |
| Noninterest-bearing deposits | 2,051,000 | 2,859,000 | 2,382,000 | 2,529,000 |
| Equity capital | 5,074,000 | 5,130,000 | 5,194,000 | 5,205,000 |
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 | 310,000 | 643,000 | 963,000 | 1,301,000 |
| Interest expense | 82,000 | 164,000 | 251,000 | 346,000 |
| Net interest income | 228,000 | 479,000 | 712,000 | 955,000 |
| Noninterest income | 20,000 | 7,000 | 30,000 | 53,000 |
| Noninterest expense | 124,000 | 297,000 | 458,000 | 621,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 115,000 |
| Pretax income | 124,000 | 154,000 | 249,000 | 272,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 116,000 | 146,000 | 241,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,063,000 | 5,087,000 | 5,182,000 | 5,200,000 |
| Total capital | 5,258,000 | 5,291,000 | 5,381,000 | 5,394,000 |
| Risk-weighted assets | 15,435,000 | 16,143,000 | 15,744,000 | 15,502,000 |