Call reports 2003
FIRST NATIONAL BANK OF SCOTIA — 2003
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 238,652,000 | 249,702,000 | 255,556,000 | 251,034,000 |
| Total loans | 169,429,000 | 174,544,000 | 182,310,000 | 182,801,000 |
| Allowance for loan losses | 2,461,000 | 2,470,000 | 2,425,000 | 2,410,000 |
| Securities available for sale | 22,070,000 | 18,989,000 | 22,057,000 | 23,953,000 |
| Securities held to maturity | 1,180,000 | 1,180,000 | 1,173,000 | 1,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,838,000 | 229,870,000 | 235,512,000 | 230,966,000 |
| Interest-bearing deposits | 168,798,000 | 175,261,000 | 179,549,000 | 178,576,000 |
| Noninterest-bearing deposits | 50,040,000 | 54,609,000 | 55,963,000 | 52,390,000 |
| Equity capital | 16,538,000 | 16,830,000 | 17,036,000 | 17,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,033,000 | 6,054,000 | 9,054,000 | 12,050,000 |
| Interest expense | 466,000 | 929,000 | 1,350,000 | 1,758,000 |
| Net interest income | 2,567,000 | 5,125,000 | 7,704,000 | 10,292,000 |
| Noninterest income | 376,000 | 827,000 | 1,225,000 | 1,549,000 |
| Noninterest expense | 2,277,000 | 4,612,000 | 6,974,000 | 9,486,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 606,000 | 1,220,000 | 1,744,000 | 2,054,000 |
| Income tax | 245,000 | 486,000 | 696,000 | 753,000 |
| Net income | 361,000 | 734,000 | 1,048,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,364,000 | 16,649,000 | 16,877,000 | 16,934,000 |
| Total capital | 18,706,000 | 19,045,000 | 19,343,000 | 19,387,000 |
| Risk-weighted assets | 184,356,000 | 188,922,000 | 195,513,000 | 192,845,000 |