First National Bank of Scotia, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First National Bank of Scotia has been serving the families and businesses of its region since 1923. The bank offers a spectrum of innovative personal and business banking products and services, and a friendly staff to help you at every step. First National Bank of Scotia offers Online Banking, Checking, Savings, Deposit Services, Loans, Mortgage & Home Equity, IRAs & CDs, Credit Cards, MasterMoney Card, Business Banking, Cash Management, Remote Deposit, Sweep Accounts.

Main Office
201 Mohawk Avenue
Scotia, NY 12302
Phone: 518-370-7200
Fax: 518-370-7273

Colonie
1705 Central Avenue
Albany, NY 12205
Phone: 518-370-7250
Fax: 518-370-7254

Clifton Park
1693 Route 9
Clifton Park, NY 12065
Phone: 518-370-7290
Fax: 518-370-3602

Schenectady
120 Erie Boulevard
Schenectady, NY 12305
Phone: 518-370-7265
Fax: 518-370-7268

GE Global Research
1 Research Circle
Niskayuna, NY 12309
Phone: 518-370-7217
Fax: 518-387-5925

Glenville
240 Saratoga Road
Scotia, NY 12302
Phone: 518-370-7260
Fax: 518-370-7264

Guilderland
8 New Karner Road
Guilderland, NY 12084
Phone: 518-370-7255
Fax: 518-370-7258

Niskayuna
1476 Balltown Road
Schenectady, NY 12309
Phone: 518-370-7245
Fax: 518-370-7248

Rotterdam
2695 Hamburg Street
Schenectady, NY 12303
Phone: 518-370-7285
Fax: 518-370-7288

Saratoga
3013 Route 50
Saratoga Springs, NY 12866
Phone: 518-370-7270 or 518-587-1611
Fax: 518-587-0120