Call reports 2015
STATE BANK OF SCOTIA — 2015
What STATE BANK OF SCOTIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,336,000 | 38,855,000 | 37,242,000 | 36,433,000 |
| Total loans | 26,711,000 | 29,102,000 | 28,586,000 | 28,609,000 |
| Allowance for loan losses | 439,000 | 458,000 | 484,000 | 515,000 |
| Securities available for sale | 210,000 | 209,000 | 209,000 | 207,000 |
| Securities held to maturity | 7,488,000 | 6,783,000 | 6,681,000 | 6,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,530,000 | 28,015,000 | 26,726,000 | 25,616,000 |
| Interest-bearing deposits | 20,869,000 | 23,097,000 | 22,210,000 | 20,513,000 |
| Noninterest-bearing deposits | 4,661,000 | 4,918,000 | 4,516,000 | 5,103,000 |
| Equity capital | 8,537,000 | 8,696,000 | 8,767,000 | 8,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 419,000 | 861,000 | 1,284,000 | 1,710,000 |
| Interest expense | 40,000 | 81,000 | 125,000 | 167,000 |
| Net interest income | 379,000 | 780,000 | 1,159,000 | 1,543,000 |
| Noninterest income | 22,000 | 44,000 | 71,000 | 95,000 |
| Noninterest expense | 203,000 | 409,000 | 598,000 | 849,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 173,000 | 365,000 | 557,000 | 689,000 |
| Income tax | 65,000 | 72,000 | 193,000 | 218,000 |
| Net income | 108,000 | 293,000 | 364,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,529,000 | 8,688,000 | 8,760,000 | 8,841,000 |
| Total capital | 8,902,000 | 9,094,000 | 9,169,000 | 9,247,000 |
| Risk-weighted assets | 29,844,000 | 32,438,000 | 32,650,000 | 32,382,000 |