Call reports 2016
FIRST NATIONAL BANK OF SCOTIA — 2016
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 441,345,000 | 437,842,000 | 467,346,000 | 448,676,000 |
| Total loans | 382,499,000 | 380,913,000 | 384,191,000 | 394,481,000 |
| Allowance for loan losses | 3,816,000 | 3,914,000 | 3,965,000 | 3,914,000 |
| Securities available for sale | 24,652,000 | 23,161,000 | 25,362,000 | 26,930,000 |
| Securities held to maturity | 2,865,000 | 2,243,000 | 1,974,000 | 1,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,626,000 | 398,745,000 | 427,458,000 | 403,811,000 |
| Interest-bearing deposits | 293,946,000 | 290,503,000 | 301,046,000 | 290,751,000 |
| Noninterest-bearing deposits | 103,680,000 | 108,242,000 | 126,412,000 | 113,060,000 |
| Equity capital | 33,775,000 | 34,021,000 | 34,192,000 | 34,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,642,000 | 7,282,000 | 10,963,000 | 14,930,000 |
| Interest expense | 80,000 | 148,000 | 222,000 | 291,000 |
| Net interest income | 3,562,000 | 7,134,000 | 10,741,000 | 14,639,000 |
| Noninterest income | 603,000 | 1,248,000 | 1,944,000 | 2,570,000 |
| Noninterest expense | 3,240,000 | 6,488,000 | 9,852,000 | 13,613,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 775,000 | 1,594,000 | 2,383,000 | 2,996,000 |
| Income tax | 314,000 | 646,000 | 965,000 | 935,000 |
| Net income | 461,000 | 948,000 | 1,418,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,190,000 | 36,397,000 | 36,588,000 | 36,889,000 |
| Total capital | 40,306,000 | 40,598,000 | 40,846,000 | 41,103,000 |
| Risk-weighted assets | 369,656,000 | 360,183,000 | 365,173,000 | 375,546,000 |