Call reports 2003
LEDYARD NATIONAL BANK — 2003
What LEDYARD NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 235,071,000 | 246,981,000 | 243,405,000 | 243,717,000 |
| Total loans | 160,195,000 | 160,366,000 | 161,888,000 | 159,895,000 |
| Allowance for loan losses | 2,483,000 | 2,536,000 | 1,978,000 | 2,094,000 |
| Securities available for sale | 13,291,000 | 16,279,000 | 15,582,000 | 13,229,000 |
| Securities held to maturity | 31,151,000 | 40,838,000 | 43,852,000 | 46,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,842,000 | 217,808,000 | 212,135,000 | 206,356,000 |
| Interest-bearing deposits | 180,014,000 | 187,468,000 | 181,387,000 | 172,738,000 |
| Noninterest-bearing deposits | 24,828,000 | 30,340,000 | 30,748,000 | 33,618,000 |
| Equity capital | 18,290,000 | 18,800,000 | 19,233,000 | 19,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,866,000 | 5,780,000 | 8,637,000 | 11,483,000 |
| Interest expense | 565,000 | 1,039,000 | 1,464,000 | 1,853,000 |
| Net interest income | 2,301,000 | 4,741,000 | 7,173,000 | 9,630,000 |
| Noninterest income | 1,140,000 | 2,310,000 | 3,563,000 | 4,865,000 |
| Noninterest expense | 2,356,000 | 4,792,000 | 7,243,000 | 9,767,000 |
| Provision for loan losses | 40,000 | 100,000 | 190,000 | 340,000 |
| Pretax income | 1,045,000 | 2,159,000 | 3,303,000 | 4,388,000 |
| Income tax | 363,000 | 764,000 | 1,194,000 | 1,578,000 |
| Net income | 682,000 | 1,395,000 | 2,109,000 | 2,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,127,000 | 18,659,000 | 19,176,000 | 19,681,000 |
| Total capital | 20,192,000 | 20,746,000 | 21,154,000 | 21,775,000 |
| Risk-weighted assets | 164,003,000 | 165,715,000 | 167,653,000 | 166,724,000 |