Call reports 2005
LEDYARD NATIONAL BANK — 2005
What LEDYARD NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 267,920,000 | 304,606,000 | 281,278,000 | 286,406,000 |
| Total loans | 184,142,000 | 192,112,000 | 198,785,000 | 197,639,000 |
| Allowance for loan losses | 2,470,000 | 2,542,000 | 2,094,000 | 2,382,000 |
| Securities available for sale | 12,878,000 | 14,414,000 | 13,709,000 | 12,997,000 |
| Securities held to maturity | 50,126,000 | 54,992,000 | 49,708,000 | 45,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,811,000 | 243,036,000 | 232,065,000 | 240,649,000 |
| Interest-bearing deposits | 191,083,000 | 198,488,000 | 191,248,000 | 199,806,000 |
| Noninterest-bearing deposits | 36,728,000 | 44,548,000 | 40,817,000 | 40,843,000 |
| Equity capital | 22,473,000 | 23,166,000 | 23,752,000 | 24,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,201,000 | 6,699,000 | 10,343,000 | 14,104,000 |
| Interest expense | 522,000 | 1,160,000 | 1,852,000 | 2,617,000 |
| Net interest income | 2,679,000 | 5,539,000 | 8,491,000 | 11,487,000 |
| Noninterest income | 1,428,000 | 2,810,000 | 4,314,000 | 5,834,000 |
| Noninterest expense | 2,760,000 | 5,631,000 | 8,514,000 | 11,354,000 |
| Provision for loan losses | 75,000 | 165,000 | 480,000 | 780,000 |
| Pretax income | 1,272,000 | 2,553,000 | 3,811,000 | 5,187,000 |
| Income tax | 432,000 | 851,000 | 1,289,000 | 1,748,000 |
| Net income | 840,000 | 1,702,000 | 2,522,000 | 3,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,614,000 | 23,250,000 | 23,874,000 | 24,594,000 |
| Total capital | 24,982,000 | 25,709,000 | 25,967,000 | 26,976,000 |
| Risk-weighted assets | 189,361,000 | 196,603,000 | 204,526,000 | 207,523,000 |