Call reports 2025
FIRST NATIONAL BANK OF SCOTIA — 2025
What FIRST NATIONAL BANK OF SCOTIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 690,465,000 | 701,055,000 | 722,402,000 | 698,520,000 |
| Total loans | 504,880,000 | 510,912,000 | 514,730,000 | 515,918,000 |
| Allowance for loan losses | 5,440,000 | 5,481,000 | 5,482,000 | 5,500,000 |
| Securities available for sale | 71,807,000 | 70,642,000 | 74,842,000 | 74,958,000 |
| Securities held to maturity | 3,772,000 | 3,404,000 | 3,319,000 | 3,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 607,397,000 | 611,718,000 | 634,755,000 | 613,915,000 |
| Interest-bearing deposits | 430,856,000 | 426,359,000 | 450,597,000 | 435,875,000 |
| Noninterest-bearing deposits | 176,541,000 | 185,359,000 | 184,158,000 | 178,040,000 |
| Equity capital | 59,738,000 | 61,373,000 | 63,687,000 | 66,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,713,000 | 15,890,000 | 24,403,000 | 32,730,000 |
| Interest expense | 1,320,000 | 2,640,000 | 3,938,000 | 5,233,000 |
| Net interest income | 6,393,000 | 13,250,000 | 20,465,000 | 27,497,000 |
| Noninterest income | 796,000 | 1,798,000 | 2,773,000 | 3,656,000 |
| Noninterest expense | 5,513,000 | 11,205,000 | 16,790,000 | 23,575,000 |
| Provision for loan losses | 165,000 | 330,000 | 995,000 | 1,286,000 |
| Pretax income | 1,477,000 | 3,493,000 | 5,425,000 | 6,247,000 |
| Income tax | 378,000 | 891,000 | 1,383,000 | 1,207,000 |
| Net income | 1,099,000 | 2,602,000 | 4,042,000 | 5,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,972,000 | 62,187,000 | 63,626,000 | 64,046,000 |
| Total capital | 66,557,000 | 67,797,000 | 69,231,000 | 69,690,000 |
| Risk-weighted assets | 482,145,000 | 485,699,000 | 483,846,000 | 487,265,000 |