Call reports 2013
FIRST NATIONAL BANK OF SCOTIA — 2013
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 405,235,000 | 418,268,000 | 415,729,000 | 413,971,000 |
| Total loans | 309,966,000 | 312,153,000 | 331,186,000 | 341,992,000 |
| Allowance for loan losses | 3,610,000 | 3,670,000 | 3,672,000 | 3,653,000 |
| Securities available for sale | 40,765,000 | 49,943,000 | 45,299,000 | 40,641,000 |
| Securities held to maturity | 6,198,000 | 4,642,000 | 5,312,000 | 3,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,766,000 | 382,712,000 | 379,542,000 | 372,143,000 |
| Interest-bearing deposits | 288,992,000 | 295,914,000 | 288,950,000 | 283,454,000 |
| Noninterest-bearing deposits | 80,774,000 | 86,798,000 | 90,592,000 | 88,689,000 |
| Equity capital | 29,327,000 | 29,550,000 | 29,733,000 | 32,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,406,000 | 6,776,000 | 10,167,000 | 13,830,000 |
| Interest expense | 80,000 | 153,000 | 216,000 | 279,000 |
| Net interest income | 3,326,000 | 6,623,000 | 9,951,000 | 13,551,000 |
| Noninterest income | 823,000 | 1,625,000 | 2,458,000 | 3,319,000 |
| Noninterest expense | 3,141,000 | 6,231,000 | 9,351,000 | 13,297,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 918,000 | 1,837,000 | 2,788,000 | 3,213,000 |
| Income tax | 381,000 | 752,000 | 1,097,000 | 850,000 |
| Net income | 537,000 | 1,085,000 | 1,691,000 | 2,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,801,000 | 33,067,000 | 33,394,000 | 33,713,000 |
| Total capital | 36,613,000 | 36,942,000 | 37,410,000 | 37,730,000 |
| Risk-weighted assets | 301,279,000 | 305,804,000 | 321,843,000 | 331,329,000 |