Call reports 2015
FIRST NATIONAL BANK OF SCOTIA — 2015
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 429,688,000 | 431,131,000 | 463,007,000 | 439,588,000 |
| Total loans | 354,221,000 | 346,609,000 | 367,517,000 | 383,343,000 |
| Allowance for loan losses | 4,101,000 | 4,197,000 | 4,007,000 | 4,018,000 |
| Securities available for sale | 29,373,000 | 36,274,000 | 47,299,000 | 27,926,000 |
| Securities held to maturity | 6,227,000 | 4,834,000 | 5,122,000 | 4,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,474,000 | 393,980,000 | 425,216,000 | 395,814,000 |
| Interest-bearing deposits | 294,884,000 | 291,674,000 | 302,946,000 | 289,207,000 |
| Noninterest-bearing deposits | 97,590,000 | 102,306,000 | 122,270,000 | 106,607,000 |
| Equity capital | 32,379,000 | 32,450,000 | 33,107,000 | 33,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,555,000 | 7,022,000 | 10,555,000 | 14,537,000 |
| Interest expense | 65,000 | 127,000 | 194,000 | 274,000 |
| Net interest income | 3,490,000 | 6,895,000 | 10,361,000 | 14,263,000 |
| Noninterest income | 654,000 | 1,338,000 | 2,077,000 | 2,716,000 |
| Noninterest expense | 3,249,000 | 6,428,000 | 9,533,000 | 13,244,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 745,000 | 1,505,000 | 2,455,000 | 3,159,000 |
| Income tax | 309,000 | 625,000 | 1,019,000 | 989,000 |
| Net income | 436,000 | 880,000 | 1,436,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,834,000 | 34,999,000 | 35,555,000 | 36,009,000 |
| Total capital | 39,129,000 | 39,222,000 | 39,894,000 | 40,324,000 |
| Risk-weighted assets | 343,534,000 | 337,555,000 | 358,340,000 | 370,802,000 |