Call reports 2002
FIRST NATIONAL BANK OF SCOTIA — 2002
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 216,455,000 | 223,255,000 | 227,605,000 | 232,140,000 |
| Total loans | 155,357,000 | 158,380,000 | 162,747,000 | 165,678,000 |
| Allowance for loan losses | 2,365,000 | 2,366,000 | 2,492,000 | 2,508,000 |
| Securities available for sale | 23,663,000 | 20,663,000 | 12,681,000 | 15,786,000 |
| Securities held to maturity | 300,000 | 1,313,000 | 9,362,000 | 3,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,565,000 | 204,565,000 | 208,247,000 | 213,070,000 |
| Interest-bearing deposits | 150,970,000 | 154,346,000 | 160,533,000 | 164,684,000 |
| Noninterest-bearing deposits | 46,595,000 | 50,219,000 | 47,714,000 | 48,386,000 |
| Equity capital | 16,721,000 | 17,019,000 | 17,291,000 | 16,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,113,000 | 6,272,000 | 9,506,000 | 12,680,000 |
| Interest expense | 638,000 | 1,242,000 | 1,859,000 | 2,396,000 |
| Net interest income | 2,475,000 | 5,030,000 | 7,647,000 | 10,284,000 |
| Noninterest income | 263,000 | 549,000 | 876,000 | 1,225,000 |
| Noninterest expense | 2,028,000 | 4,153,000 | 6,324,000 | 8,889,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 270,000 |
| Pretax income | 650,000 | 1,304,000 | 1,974,000 | 2,347,000 |
| Income tax | 247,000 | 492,000 | 765,000 | 918,000 |
| Net income | 403,000 | 812,000 | 1,209,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,562,000 | 16,897,000 | 17,209,000 | 16,082,000 |
| Total capital | 18,822,000 | 19,148,000 | 19,501,000 | 18,413,000 |
| Risk-weighted assets | 178,049,000 | 179,975,000 | 180,395,000 | 183,091,000 |