Call reports 2014
FIRST NATIONAL BANK OF SCOTIA — 2014
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 417,774,000 | 420,626,000 | 456,748,000 | 427,797,000 |
| Total loans | 345,613,000 | 354,244,000 | 368,757,000 | 368,332,000 |
| Allowance for loan losses | 3,766,000 | 3,830,000 | 3,940,000 | 3,997,000 |
| Securities available for sale | 37,827,000 | 33,470,000 | 43,245,000 | 27,827,000 |
| Securities held to maturity | 4,246,000 | 7,158,000 | 6,109,000 | 5,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,752,000 | 383,548,000 | 409,179,000 | 380,170,000 |
| Interest-bearing deposits | 292,690,000 | 288,030,000 | 296,357,000 | 284,914,000 |
| Noninterest-bearing deposits | 88,062,000 | 95,518,000 | 112,822,000 | 95,256,000 |
| Equity capital | 32,801,000 | 33,071,000 | 33,416,000 | 32,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,570,000 | 7,190,000 | 10,875,000 | 14,731,000 |
| Interest expense | 58,000 | 114,000 | 176,000 | 245,000 |
| Net interest income | 3,512,000 | 7,076,000 | 10,699,000 | 14,486,000 |
| Noninterest income | 592,000 | 1,164,000 | 1,868,000 | 2,528,000 |
| Noninterest expense | 3,150,000 | 6,290,000 | 9,420,000 | 12,985,000 |
| Provision for loan losses | 120,000 | 240,000 | 410,000 | 530,000 |
| Pretax income | 834,000 | 1,845,000 | 2,872,000 | 3,634,000 |
| Income tax | 346,000 | 766,000 | 1,192,000 | 1,203,000 |
| Net income | 488,000 | 1,079,000 | 1,680,000 | 2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,922,000 | 34,233,000 | 34,554,000 | 34,909,000 |
| Total capital | 38,067,000 | 38,374,000 | 38,810,000 | 39,227,000 |
| Risk-weighted assets | 334,724,000 | 343,072,000 | 359,961,000 | 353,020,000 |