Call reports 2006
LEDYARD NATIONAL BANK — 2006
What LEDYARD NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 271,364,000 | 281,301,000 | 309,357,000 | 321,376,000 |
| Total loans | 200,914,000 | 208,971,000 | 219,102,000 | 222,400,000 |
| Allowance for loan losses | 2,634,000 | 2,684,000 | 2,724,000 | 2,784,000 |
| Securities available for sale | 12,627,000 | 12,689,000 | 19,752,000 | 19,705,000 |
| Securities held to maturity | 37,073,000 | 33,615,000 | 30,733,000 | 27,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,507,000 | 236,704,000 | 251,698,000 | 271,861,000 |
| Interest-bearing deposits | 216,384,000 | 222,831,000 | 234,654,000 | 259,552,000 |
| Noninterest-bearing deposits | 11,123,000 | 13,873,000 | 17,044,000 | 12,309,000 |
| Equity capital | 24,973,000 | 25,526,000 | 26,422,000 | 27,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,820,000 | 7,838,000 | 12,295,000 | 17,006,000 |
| Interest expense | 821,000 | 1,830,000 | 3,248,000 | 4,907,000 |
| Net interest income | 2,999,000 | 6,008,000 | 9,047,000 | 12,099,000 |
| Noninterest income | 1,479,000 | 3,038,000 | 4,690,000 | 6,282,000 |
| Noninterest expense | 2,964,000 | 6,025,000 | 9,015,000 | 11,893,000 |
| Provision for loan losses | 250,000 | 350,000 | 440,000 | 525,000 |
| Pretax income | 1,264,000 | 2,671,000 | 4,282,000 | 5,963,000 |
| Income tax | 425,000 | 923,000 | 1,484,000 | 2,176,000 |
| Net income | 839,000 | 1,748,000 | 2,798,000 | 3,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,162,000 | 25,797,000 | 26,574,000 | 27,356,000 |
| Total capital | 27,796,000 | 28,419,000 | 29,281,000 | 30,140,000 |
| Risk-weighted assets | 211,016,000 | 209,664,000 | 216,631,000 | 226,867,000 |