Call reports 2006
FIRST NATIONAL BANK OF SCOTIA — 2006
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 257,571,000 | 266,135,000 | 267,087,000 | 271,414,000 |
| Total loans | 196,678,000 | 199,030,000 | 206,352,000 | 206,213,000 |
| Allowance for loan losses | 2,354,000 | 2,441,000 | 2,461,000 | 2,509,000 |
| Securities available for sale | 9,935,000 | 10,795,000 | 11,694,000 | 10,511,000 |
| Securities held to maturity | 12,694,000 | 11,538,000 | 9,052,000 | 9,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,775,000 | 242,941,000 | 243,314,000 | 247,346,000 |
| Interest-bearing deposits | 180,083,000 | 177,221,000 | 187,016,000 | 186,489,000 |
| Noninterest-bearing deposits | 54,692,000 | 65,720,000 | 56,298,000 | 60,857,000 |
| Equity capital | 19,353,000 | 19,638,000 | 19,953,000 | 19,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,197,000 | 6,541,000 | 10,068,000 | 13,872,000 |
| Interest expense | 526,000 | 1,141,000 | 1,837,000 | 2,662,000 |
| Net interest income | 2,671,000 | 5,400,000 | 8,231,000 | 11,210,000 |
| Noninterest income | 433,000 | 836,000 | 1,300,000 | 1,817,000 |
| Noninterest expense | 2,428,000 | 4,806,000 | 7,336,000 | 10,176,000 |
| Provision for loan losses | 120,000 | 240,000 | 340,000 | 430,000 |
| Pretax income | 556,000 | 1,190,000 | 1,855,000 | 2,421,000 |
| Income tax | 226,000 | 494,000 | 771,000 | 859,000 |
| Net income | 330,000 | 696,000 | 1,084,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,232,000 | 19,515,000 | 19,818,000 | 20,688,000 |
| Total capital | 21,645,000 | 22,017,000 | 22,402,000 | 23,325,000 |
| Risk-weighted assets | 199,272,000 | 201,681,000 | 207,440,000 | 208,490,000 |