Call reports 2002
LEDYARD NATIONAL BANK — 2002
What LEDYARD NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 207,150,000 | 224,769,000 | 226,469,000 | 233,431,000 |
| Total loans | 145,750,000 | 151,187,000 | 154,962,000 | 159,501,000 |
| Allowance for loan losses | 2,196,000 | 2,291,000 | 2,320,000 | 2,447,000 |
| Securities available for sale | 17,615,000 | 19,309,000 | 14,376,000 | 20,413,000 |
| Securities held to maturity | 24,613,000 | 22,421,000 | 28,363,000 | 25,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,266,000 | 192,214,000 | 194,117,000 | 203,087,000 |
| Interest-bearing deposits | 154,428,000 | 162,892,000 | 165,325,000 | 173,726,000 |
| Noninterest-bearing deposits | 22,838,000 | 29,322,000 | 28,792,000 | 29,361,000 |
| Equity capital | 16,439,000 | 17,019,000 | 17,469,000 | 17,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,148,000 | 6,331,000 | 9,498,000 | 12,584,000 |
| Interest expense | 858,000 | 1,668,000 | 2,465,000 | 3,176,000 |
| Net interest income | 2,290,000 | 4,663,000 | 7,033,000 | 9,408,000 |
| Noninterest income | 935,000 | 1,950,000 | 2,962,000 | 4,067,000 |
| Noninterest expense | 2,193,000 | 4,464,000 | 6,802,000 | 9,236,000 |
| Provision for loan losses | 100,000 | 240,000 | 335,000 | 525,000 |
| Pretax income | 932,000 | 1,909,000 | 2,858,000 | 3,714,000 |
| Income tax | 346,000 | 708,000 | 1,061,000 | 1,384,000 |
| Net income | 586,000 | 1,201,000 | 1,797,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,415,000 | 16,877,000 | 17,277,000 | 17,643,000 |
| Total capital | 18,286,000 | 18,835,000 | 19,278,000 | 19,717,000 |
| Risk-weighted assets | 149,372,000 | 155,610,000 | 159,747,000 | 165,531,000 |