Call reports 2020
FIRST NATIONAL BANK OF SCOTIA — 2020
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 492,184,000 | 559,044,000 | 603,009,000 | 596,844,000 |
| Total loans | 405,092,000 | 431,675,000 | 427,818,000 | 431,595,000 |
| Allowance for loan losses | 4,695,000 | 4,813,000 | 4,996,000 | 5,401,000 |
| Securities available for sale | 29,304,000 | 36,393,000 | 43,863,000 | 52,083,000 |
| Securities held to maturity | 3,799,000 | 6,182,000 | 4,228,000 | 4,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,361,000 | 511,323,000 | 553,820,000 | 544,875,000 |
| Interest-bearing deposits | 316,110,000 | 339,655,000 | 369,184,000 | 372,408,000 |
| Noninterest-bearing deposits | 128,251,000 | 171,668,000 | 184,636,000 | 172,467,000 |
| Equity capital | 39,611,000 | 40,025,000 | 40,450,000 | 41,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,811,000 | 9,598,000 | 14,504,000 | 19,575,000 |
| Interest expense | 268,000 | 526,000 | 751,000 | 954,000 |
| Net interest income | 4,543,000 | 9,072,000 | 13,753,000 | 18,621,000 |
| Noninterest income | 707,000 | 1,406,000 | 2,380,000 | 3,100,000 |
| Noninterest expense | 4,049,000 | 7,961,000 | 12,102,000 | 16,813,000 |
| Provision for loan losses | 165,000 | 330,000 | 585,000 | 885,000 |
| Pretax income | 1,053,000 | 2,235,000 | 3,494,000 | 4,086,000 |
| Income tax | 264,000 | 561,000 | 878,000 | 864,000 |
| Net income | 788,000 | 1,672,000 | 2,613,000 | 3,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,438,000 | 42,743,000 | 43,396,000 | 43,906,000 |
| Total capital | 47,198,000 | 47,343,000 | 48,044,000 | 48,700,000 |
| Risk-weighted assets | 380,328,000 | 367,222,000 | 370,955,000 | 382,297,000 |