Call reports 2023
FIRST NATIONAL BANK OF SCOTIA — 2023
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 668,694,000 | 659,969,000 | 678,807,000 | 659,983,000 |
| Total loans | 500,993,000 | 494,688,000 | 491,978,000 | 488,709,000 |
| Allowance for loan losses | 5,955,000 | 6,026,000 | 6,122,000 | 5,717,000 |
| Securities available for sale | 83,685,000 | 77,934,000 | 75,285,000 | 76,501,000 |
| Securities held to maturity | 5,251,000 | 4,811,000 | 4,674,000 | 4,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,899,000 | 583,452,000 | 600,799,000 | 577,549,000 |
| Interest-bearing deposits | 403,776,000 | 394,337,000 | 411,396,000 | 392,554,000 |
| Noninterest-bearing deposits | 190,123,000 | 189,115,000 | 189,403,000 | 184,995,000 |
| Equity capital | 46,076,000 | 46,851,000 | 47,149,000 | 51,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,235,000 | 12,965,000 | 20,063,000 | 27,339,000 |
| Interest expense | 192,000 | 844,000 | 1,644,000 | 2,604,000 |
| Net interest income | 6,043,000 | 12,121,000 | 18,419,000 | 24,735,000 |
| Noninterest income | 706,000 | 2,303,000 | 3,092,000 | 3,847,000 |
| Noninterest expense | 4,796,000 | 9,865,000 | 14,895,000 | 20,780,000 |
| Provision for loan losses | -35,000 | 130,000 | 295,000 | 735,000 |
| Pretax income | 755,000 | 3,172,000 | 5,039,000 | 5,966,000 |
| Income tax | 189,000 | 805,000 | 1,277,000 | 1,247,000 |
| Net income | 566,000 | 2,367,000 | 3,762,000 | 4,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,215,000 | 54,727,000 | 55,831,000 | 56,557,000 |
| Total capital | 59,159,000 | 60,649,000 | 61,768,000 | 62,376,000 |
| Risk-weighted assets | 475,270,000 | 473,387,000 | 474,706,000 | 467,991,000 |