Call reports 2004
FIRST NATIONAL BANK OF SCOTIA — 2004
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 254,950,000 | 265,348,000 | 262,023,000 | 263,725,000 |
| Total loans | 180,746,000 | 181,165,000 | 180,581,000 | 182,155,000 |
| Allowance for loan losses | 2,389,000 | 2,359,000 | 2,322,000 | 2,199,000 |
| Securities available for sale | 30,996,000 | 29,138,000 | 29,818,000 | 18,517,000 |
| Securities held to maturity | 1,157,000 | 15,279,000 | 19,276,000 | 24,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,577,000 | 244,944,000 | 241,296,000 | 242,368,000 |
| Interest-bearing deposits | 182,403,000 | 189,393,000 | 186,898,000 | 187,373,000 |
| Noninterest-bearing deposits | 52,174,000 | 55,551,000 | 54,398,000 | 54,995,000 |
| Equity capital | 17,269,000 | 17,438,000 | 17,808,000 | 17,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,867,000 | 5,686,000 | 8,539,000 | 11,465,000 |
| Interest expense | 375,000 | 726,000 | 1,053,000 | 1,375,000 |
| Net interest income | 2,492,000 | 4,960,000 | 7,486,000 | 10,090,000 |
| Noninterest income | 346,000 | 765,000 | 1,184,000 | 1,646,000 |
| Noninterest expense | 2,317,000 | 4,623,000 | 6,923,000 | 9,393,000 |
| Provision for loan losses | 110,000 | 230,000 | 350,000 | 470,000 |
| Pretax income | 411,000 | 872,000 | 1,397,000 | 1,873,000 |
| Income tax | 162,000 | 346,000 | 555,000 | 660,000 |
| Net income | 249,000 | 526,000 | 842,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,099,000 | 17,292,000 | 17,662,000 | 17,787,000 |
| Total capital | 19,533,000 | 19,696,000 | 20,029,000 | 20,039,000 |
| Risk-weighted assets | 191,597,000 | 191,860,000 | 190,132,000 | 188,426,000 |