Call reports 2008
LEDYARD NATIONAL BANK — 2008
What LEDYARD NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 324,923,000 | 336,996,000 | 339,383,000 | 365,274,000 |
| Total loans | 231,166,000 | 232,741,000 | 231,343,000 | 231,331,000 |
| Allowance for loan losses | 3,176,000 | 3,126,000 | 3,259,000 | 4,925,000 |
| Securities available for sale | 33,103,000 | 43,715,000 | 42,766,000 | 52,127,000 |
| Securities held to maturity | 19,984,000 | 33,484,000 | 41,418,000 | 39,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,093,000 | 281,869,000 | 266,498,000 | 295,885,000 |
| Interest-bearing deposits | 252,610,000 | 257,838,000 | 253,100,000 | 285,647,000 |
| Noninterest-bearing deposits | 18,483,000 | 24,031,000 | 13,398,000 | 10,238,000 |
| Equity capital | 30,909,000 | 30,988,000 | 31,409,000 | 30,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,764,000 | 9,288,000 | 13,949,000 | 18,507,000 |
| Interest expense | 1,594,000 | 2,943,000 | 4,279,000 | 5,615,000 |
| Net interest income | 3,170,000 | 6,345,000 | 9,670,000 | 12,892,000 |
| Noninterest income | 1,598,000 | 3,316,000 | 4,935,000 | 6,470,000 |
| Noninterest expense | 3,122,000 | 6,382,000 | 9,743,000 | 13,119,000 |
| Provision for loan losses | 120,000 | 300,000 | 800,000 | 3,123,000 |
| Pretax income | 1,526,000 | 2,979,000 | 4,062,000 | 3,120,000 |
| Income tax | 547,000 | 1,063,000 | 1,397,000 | 1,058,000 |
| Net income | 979,000 | 1,916,000 | 2,665,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,636,000 | 31,191,000 | 31,638,000 | 30,753,000 |
| Total capital | 33,633,000 | 34,301,000 | 34,551,000 | 33,684,000 |
| Risk-weighted assets | 239,551,000 | 248,019,000 | 232,716,000 | 232,511,000 |