Vitals
  • Total Assets
    448.7M 2.1 %
  • Total Deposits
    403.8M 2.0 %
  • Total Net Loans
    390.6M 3.0 %
  • Net Income
    2.1M -5.0 %
  • Book Value
    34.6M 3.0 %
  • Book Value x2
    69.2M 3.0 %
  • Book Value x3
    103.7M 3.0 %
ROAA

.461

ROAE

6.057

Efficiency Ratio

78.335

Net Interest Margin

3.465

Balance Sheet Highlights
Financial Highlights First National Bank Of Scotia All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 448,676 1,637,033
Total Net Loans 390,567 1,047,955
Total Deposits 403,811 1,296,950
Total Equity 34,578 187,165
Profitability
Net Income 2,061 13,254
Return on Average Assets .461 .773
Return on Average Equity 6.057 7.506
Net Interest Margin 3.465 3.19
Efficiency Ratio 78.335 65.064
Noninterest Income/Revenue 14.545 18.239
Balance Sheet Ratios
Loan-to-Deposit 96.72 73.986
Securities/Assets .064 .167
Total Equity/Total Assets .077 .114
Tangible Equity/Tangible Assets .075 .109
Capital Adequacy
Tier 1 Common Capital 36,889 154,500
Tier 1 Capital 36,889 155,066
Tier 2 Capital 4,214 9,750
Total Capital 41,103 168,084
Total Risk Weighted Assets 375,546 1,138,832
Leverage Ratio 8.17 10.188
Common Equity Tier 1 Capital Ratio 9.82 16.458
Tier 1 Capital Ratio 9.82 16.551
Total Capital Ratio 10.94 17.647

Timeline for First National Bank Of Scotia

Glenville Bank Holding Company, Inc.

Glenville Bank Holding Company, Inc. became a new parent organization for First National Bank Of Scotia.

View Profile Apr 02 2007

First National Bank Of Scotia

First National Bank Of Scotia was established 101 years ago and is currently headquartered in Scotia, NY.

Jan 01 1923
Relationships Role Relationship Start Relationship End
Glenville Bank Holding Company, Inc. Parent 4/2/2007
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