Call reports 2004
LEDYARD NATIONAL BANK — 2004
What LEDYARD NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 244,214,000 | 256,536,000 | 253,960,000 | 269,428,000 |
| Total loans | 159,701,000 | 166,178,000 | 168,545,000 | 178,058,000 |
| Allowance for loan losses | 2,206,000 | 2,245,000 | 2,319,000 | 2,392,000 |
| Securities available for sale | 9,890,000 | 7,247,000 | 7,027,000 | 10,548,000 |
| Securities held to maturity | 56,393,000 | 52,698,000 | 53,415,000 | 53,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,511,000 | 219,221,000 | 209,517,000 | 227,951,000 |
| Interest-bearing deposits | 170,463,000 | 161,438,000 | 172,440,000 | 183,473,000 |
| Noninterest-bearing deposits | 29,048,000 | 57,783,000 | 37,077,000 | 44,478,000 |
| Equity capital | 20,228,000 | 20,567,000 | 21,200,000 | 21,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 5,765,000 | 8,707,000 | 11,756,000 |
| Interest expense | 411,000 | 825,000 | 1,241,000 | 1,704,000 |
| Net interest income | 2,474,000 | 4,940,000 | 7,466,000 | 10,052,000 |
| Noninterest income | 1,213,000 | 2,519,000 | 3,873,000 | 5,330,000 |
| Noninterest expense | 2,498,000 | 5,164,000 | 7,792,000 | 10,451,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 325,000 |
| Pretax income | 1,089,000 | 2,120,000 | 3,297,000 | 4,606,000 |
| Income tax | 376,000 | 733,000 | 1,142,000 | 1,593,000 |
| Net income | 713,000 | 1,387,000 | 2,155,000 | 3,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,201,000 | 20,649,000 | 21,221,000 | 21,862,000 |
| Total capital | 22,295,000 | 22,846,000 | 23,408,000 | 24,196,000 |
| Risk-weighted assets | 166,637,000 | 174,920,000 | 174,056,000 | 186,636,000 |