Call reports 2009
FIRST NATIONAL BANK OF SCOTIA — 2009
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 321,228,000 | 330,804,000 | 349,072,000 | 336,463,000 |
| Total loans | 231,673,000 | 235,225,000 | 248,579,000 | 250,686,000 |
| Allowance for loan losses | 3,006,000 | 2,957,000 | 2,998,000 | 2,939,000 |
| Securities available for sale | 30,056,000 | 29,958,000 | 30,063,000 | 36,921,000 |
| Securities held to maturity | 2,666,000 | 4,796,000 | 7,454,000 | 7,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,506,000 | 302,160,000 | 318,308,000 | 304,353,000 |
| Interest-bearing deposits | 236,586,000 | 239,155,000 | 257,826,000 | 243,676,000 |
| Noninterest-bearing deposits | 56,920,000 | 63,005,000 | 60,482,000 | 60,677,000 |
| Equity capital | 20,695,000 | 20,938,000 | 22,996,000 | 24,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,804,000 | 7,523,000 | 11,346,000 | 15,192,000 |
| Interest expense | 627,000 | 1,215,000 | 1,732,000 | 2,166,000 |
| Net interest income | 3,177,000 | 6,308,000 | 9,614,000 | 13,026,000 |
| Noninterest income | 778,000 | 1,439,000 | 2,002,000 | 2,618,000 |
| Noninterest expense | 2,993,000 | 6,107,000 | 9,134,000 | 12,535,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 872,000 | 1,460,000 | 2,212,000 | 2,749,000 |
| Income tax | 362,000 | 606,000 | 918,000 | 852,000 |
| Net income | 510,000 | 854,000 | 1,294,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,413,000 | 21,659,000 | 23,713,000 | 25,680,000 |
| Total capital | 24,290,000 | 24,573,000 | 26,839,000 | 28,811,000 |
| Risk-weighted assets | 228,770,000 | 230,830,000 | 247,060,000 | 249,076,000 |