Call reports 2007
LEDYARD NATIONAL BANK — 2007
What LEDYARD NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 318,728,000 | 331,883,000 | 323,432,000 | 326,350,000 |
| Total loans | 228,517,000 | 226,127,000 | 225,740,000 | 232,063,000 |
| Allowance for loan losses | 2,844,000 | 2,887,000 | 2,927,000 | 3,360,000 |
| Securities available for sale | 25,379,000 | 24,266,000 | 30,363,000 | 30,481,000 |
| Securities held to maturity | 25,609,000 | 24,221,000 | 23,057,000 | 22,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,782,000 | 281,973,000 | 272,436,000 | 277,615,000 |
| Interest-bearing deposits | 259,180,000 | 267,358,000 | 259,239,000 | 265,988,000 |
| Noninterest-bearing deposits | 13,602,000 | 14,615,000 | 13,197,000 | 11,627,000 |
| Equity capital | 28,116,000 | 28,757,000 | 29,735,000 | 30,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,781,000 | 9,862,000 | 14,977,000 | 19,951,000 |
| Interest expense | 1,726,000 | 3,674,000 | 5,655,000 | 7,471,000 |
| Net interest income | 3,055,000 | 6,188,000 | 9,322,000 | 12,480,000 |
| Noninterest income | 1,714,000 | 3,469,000 | 5,105,000 | 6,754,000 |
| Noninterest expense | 3,172,000 | 6,250,000 | 9,185,000 | 12,226,000 |
| Provision for loan losses | 55,000 | 100,000 | 145,000 | 705,000 |
| Pretax income | 1,542,000 | 3,307,000 | 5,097,000 | 6,303,000 |
| Income tax | 563,000 | 1,217,000 | 1,949,000 | 2,391,000 |
| Net income | 979,000 | 2,090,000 | 3,148,000 | 3,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,170,000 | 29,070,000 | 29,896,000 | 29,895,000 |
| Total capital | 31,014,000 | 31,943,000 | 32,755,000 | 32,804,000 |
| Risk-weighted assets | 233,214,000 | 229,367,000 | 228,648,000 | 232,160,000 |