Call reports 2008
FIRST NATIONAL BANK OF SCOTIA — 2008
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 292,828,000 | 301,936,000 | 313,168,000 | 303,012,000 |
| Total loans | 231,512,000 | 246,949,000 | 245,828,000 | 240,524,000 |
| Allowance for loan losses | 2,844,000 | 2,919,000 | 3,059,000 | 3,002,000 |
| Securities available for sale | 24,425,000 | 25,759,000 | 32,191,000 | 32,350,000 |
| Securities held to maturity | 3,194,000 | 2,717,000 | 2,999,000 | 2,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,589,000 | 275,632,000 | 286,826,000 | 275,533,000 |
| Interest-bearing deposits | 209,610,000 | 213,649,000 | 227,568,000 | 218,083,000 |
| Noninterest-bearing deposits | 56,979,000 | 61,983,000 | 59,258,000 | 57,450,000 |
| Equity capital | 21,806,000 | 21,974,000 | 22,360,000 | 20,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,971,000 | 7,970,000 | 12,041,000 | 16,121,000 |
| Interest expense | 1,027,000 | 1,903,000 | 2,629,000 | 3,338,000 |
| Net interest income | 2,944,000 | 6,067,000 | 9,412,000 | 12,783,000 |
| Noninterest income | 505,000 | 955,000 | 1,412,000 | 1,960,000 |
| Noninterest expense | 2,647,000 | 5,412,000 | 8,276,000 | 11,667,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 712,000 | 1,430,000 | 2,278,000 | 2,716,000 |
| Income tax | 295,000 | 592,000 | 944,000 | 840,000 |
| Net income | 417,000 | 838,000 | 1,334,000 | 1,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,094,000 | 22,374,000 | 22,777,000 | 21,012,000 |
| Total capital | 25,061,000 | 25,414,000 | 25,868,000 | 24,012,000 |
| Risk-weighted assets | 233,581,000 | 243,698,000 | 242,477,000 | 237,408,000 |