| Weiss Ratings |
1st National Bank of Scotia
Scotia, NY |
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| Rating | ||||
| Asset Quality Index | 3.10 | |||
| Capitalization Index | 7.20 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 5.70 | |||
| Company Info |
1st National Bank of Scotia
Scotia, NY |
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| FDIC Number | 11501 | |||
| Phone Number | (518) 370-7200 | |||
| Website | www.firstscotia.com | |||
| Asset Quality |
1st National Bank of Scotia
Scotia, NY |
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| 1-Year Asset Growth | 3.34% | |||
| 5-Year Asset Growth | 3.41% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.27% | |||
| Non-Performing Assets to Assets | 1.00% | |||
| Non-Performing Loans to Capital | 11.21% | |||
| Non-Performing Loans to Loans | 1.35% | |||
| Balance Sheet |
1st National Bank of Scotia
Scotia, NY |
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| Total Assets | 698.52M | |||
| Total Deposits | 613.92M | |||
| Capital and Reserves |
1st National Bank of Scotia
Scotia, NY |
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| Capital | 66.29M | |||
| Leverage Ratio | 9.13 | |||
| Loan Loss Reserves to Loans | 1.07% | |||
| Risk-Based Capital Ratio | 14.30 | |||
| Liquidity |
1st National Bank of Scotia
Scotia, NY |
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| Hot Money Ratio | 7.31% | |||
| Liquidity Ratio | 16.32% | |||
| Profitability |
1st National Bank of Scotia
Scotia, NY |
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| 5-Year Return on Average Assets | 0.66% | |||
| Net Income | 5.04M | |||
| Net Interest Spread | 4.21% | |||
| Operating Profit to Average Assets | 0.89% | |||
| Overhead Efficiency Ratio | 75.67% | |||
| Return on Assets | 0.72% | |||
| Return on Equity | 8.16% | |||