Call reports 2005
FIRST NATIONAL BANK OF SCOTIA — 2005
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 266,145,000 | 272,002,000 | 274,816,000 | 259,459,000 |
| Total loans | 182,112,000 | 193,817,000 | 199,129,000 | 197,958,000 |
| Allowance for loan losses | 2,272,000 | 2,325,000 | 2,375,000 | 2,293,000 |
| Securities available for sale | 19,397,000 | 17,899,000 | 12,419,000 | 9,335,000 |
| Securities held to maturity | 28,233,000 | 23,380,000 | 18,381,000 | 16,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,757,000 | 250,310,000 | 252,751,000 | 236,792,000 |
| Interest-bearing deposits | 190,926,000 | 190,478,000 | 194,561,000 | 179,432,000 |
| Noninterest-bearing deposits | 53,831,000 | 59,832,000 | 58,190,000 | 57,360,000 |
| Equity capital | 18,100,000 | 18,301,000 | 18,628,000 | 19,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,913,000 | 5,883,000 | 9,012,000 | 12,210,000 |
| Interest expense | 318,000 | 655,000 | 1,036,000 | 1,480,000 |
| Net interest income | 2,595,000 | 5,228,000 | 7,976,000 | 10,730,000 |
| Noninterest income | 397,000 | 843,000 | 1,234,000 | 1,952,000 |
| Noninterest expense | 2,335,000 | 4,888,000 | 7,333,000 | 10,083,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 537,000 | 940,000 | 1,533,000 | 2,172,000 |
| Income tax | 215,000 | 376,000 | 589,000 | 697,000 |
| Net income | 322,000 | 564,000 | 944,000 | 1,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,980,000 | 18,179,000 | 18,492,000 | 18,985,000 |
| Total capital | 20,303,000 | 20,560,000 | 20,933,000 | 21,345,000 |
| Risk-weighted assets | 188,682,000 | 202,147,000 | 204,513,000 | 200,663,000 |