Call reports 2025
STATE BANK OF SCOTIA — 2025
What STATE BANK OF SCOTIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 63,096,000 | 62,932,000 | 58,484,000 | 57,594,000 |
| Total loans | 32,512,000 | 30,491,000 | 30,067,000 | 29,021,000 |
| Allowance for loan losses | 900,000 | 949,000 | 714,000 | 696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,477,000 | 16,475,000 | 16,285,000 | 16,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,597,000 | 50,408,000 | 45,808,000 | 45,057,000 |
| Interest-bearing deposits | 43,990,000 | 44,279,000 | 39,591,000 | 37,990,000 |
| Noninterest-bearing deposits | 6,607,000 | 6,129,000 | 6,217,000 | 7,067,000 |
| Equity capital | 12,275,000 | 12,239,000 | 12,398,000 | 12,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,425,000 | 2,200,000 | 2,895,000 |
| Interest expense | 315,000 | 646,000 | 966,000 | 1,274,000 |
| Net interest income | 435,000 | 779,000 | 1,234,000 | 1,621,000 |
| Noninterest income | 31,000 | 61,000 | 88,000 | 109,000 |
| Noninterest expense | 247,000 | 494,000 | 768,000 | 1,200,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 169,000 | 246,000 | 404,000 | 330,000 |
| Income tax | 25,000 | 25,000 | 25,000 | 63,000 |
| Net income | 144,000 | 221,000 | 379,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,275,000 | 12,239,000 | 12,398,000 | 12,173,000 |
| Total capital | 12,791,000 | 12,732,000 | 12,874,000 | 12,639,000 |
| Risk-weighted assets | 40,859,000 | 38,966,000 | 37,808,000 | 36,984,000 |