Call reports 2010
FIRST NATIONAL BANK OF SCOTIA — 2010
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 339,401,000 | 350,188,000 | 361,232,000 | 349,973,000 |
| Total loans | 245,167,000 | 254,798,000 | 274,489,000 | 275,884,000 |
| Allowance for loan losses | 2,980,000 | 3,054,000 | 3,164,000 | 3,250,000 |
| Securities available for sale | 34,463,000 | 38,352,000 | 33,959,000 | 30,341,000 |
| Securities held to maturity | 8,495,000 | 6,327,000 | 6,722,000 | 6,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,693,000 | 317,699,000 | 328,189,000 | 316,765,000 |
| Interest-bearing deposits | 247,685,000 | 253,869,000 | 263,516,000 | 255,273,000 |
| Noninterest-bearing deposits | 60,008,000 | 63,830,000 | 64,673,000 | 61,492,000 |
| Equity capital | 24,918,000 | 25,135,000 | 25,505,000 | 25,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,709,000 | 7,379,000 | 11,193,000 | 15,034,000 |
| Interest expense | 384,000 | 766,000 | 1,135,000 | 1,478,000 |
| Net interest income | 3,325,000 | 6,613,000 | 10,058,000 | 13,556,000 |
| Noninterest income | 561,000 | 1,148,000 | 1,845,000 | 2,614,000 |
| Noninterest expense | 2,898,000 | 5,858,000 | 8,909,000 | 12,498,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 520,000 |
| Pretax income | 868,000 | 1,663,000 | 2,634,000 | 3,152,000 |
| Income tax | 360,000 | 690,000 | 1,093,000 | 1,008,000 |
| Net income | 508,000 | 973,000 | 1,541,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,905,000 | 26,090,000 | 26,375,000 | 26,819,000 |
| Total capital | 28,992,000 | 29,304,000 | 29,725,000 | 30,261,000 |
| Risk-weighted assets | 243,553,000 | 254,439,000 | 271,913,000 | 271,588,000 |