Call reports 2007
FIRST NATIONAL BANK OF SCOTIA — 2007
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 269,548,000 | 277,198,000 | 288,328,000 | 282,027,000 |
| Total loans | 214,365,000 | 219,096,000 | 224,900,000 | 226,667,000 |
| Allowance for loan losses | 2,602,000 | 2,687,000 | 2,759,000 | 2,762,000 |
| Securities available for sale | 11,127,000 | 10,606,000 | 15,581,000 | 19,102,000 |
| Securities held to maturity | 11,678,000 | 7,632,000 | 7,521,000 | 3,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,931,000 | 252,485,000 | 263,032,000 | 256,131,000 |
| Interest-bearing deposits | 188,640,000 | 192,675,000 | 203,545,000 | 200,933,000 |
| Noninterest-bearing deposits | 56,291,000 | 59,810,000 | 59,487,000 | 55,198,000 |
| Equity capital | 20,238,000 | 20,329,000 | 20,690,000 | 21,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,749,000 | 7,569,000 | 11,558,000 | 15,810,000 |
| Interest expense | 903,000 | 1,861,000 | 2,878,000 | 3,952,000 |
| Net interest income | 2,846,000 | 5,708,000 | 8,680,000 | 11,858,000 |
| Noninterest income | 433,000 | 879,000 | 1,296,000 | 1,805,000 |
| Noninterest expense | 2,462,000 | 4,986,000 | 7,541,000 | 10,746,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 727,000 | 1,421,000 | 2,165,000 | 2,557,000 |
| Income tax | 299,000 | 591,000 | 898,000 | 859,000 |
| Net income | 428,000 | 830,000 | 1,267,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,033,000 | 21,134,000 | 21,478,000 | 21,769,000 |
| Total capital | 23,766,000 | 23,948,000 | 24,368,000 | 24,673,000 |
| Risk-weighted assets | 215,018,000 | 221,677,000 | 228,372,000 | 228,194,000 |