Call reports 2009
LEDYARD NATIONAL BANK — 2009
What LEDYARD NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 376,437,000 | 376,658,000 | 382,497,000 | 393,624,000 |
| Total loans | 232,567,000 | 224,633,000 | 208,818,000 | 203,956,000 |
| Allowance for loan losses | 5,887,000 | 6,191,000 | 6,642,000 | 6,346,000 |
| Securities available for sale | 60,676,000 | 70,300,000 | 96,458,000 | 114,282,000 |
| Securities held to maturity | 37,863,000 | 38,994,000 | 38,621,000 | 36,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,118,000 | 310,659,000 | 313,351,000 | 320,273,000 |
| Interest-bearing deposits | 280,986,000 | 290,663,000 | 281,857,000 | 309,278,000 |
| Noninterest-bearing deposits | 20,132,000 | 19,996,000 | 31,494,000 | 10,995,000 |
| Equity capital | 31,461,000 | 31,705,000 | 32,762,000 | 32,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,414,000 | 8,773,000 | 12,841,000 | 16,809,000 |
| Interest expense | 1,213,000 | 2,347,000 | 3,396,000 | 4,294,000 |
| Net interest income | 3,201,000 | 6,426,000 | 9,445,000 | 12,515,000 |
| Noninterest income | 1,571,000 | 3,326,000 | 5,135,000 | 7,211,000 |
| Noninterest expense | 3,185,000 | 6,913,000 | 10,743,000 | 15,015,000 |
| Provision for loan losses | 950,000 | 1,550,000 | 2,050,000 | 2,250,000 |
| Pretax income | 637,000 | 1,289,000 | 1,787,000 | 2,461,000 |
| Income tax | 191,000 | 356,000 | 496,000 | 601,000 |
| Net income | 446,000 | 933,000 | 1,291,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,897,000 | 31,105,000 | 31,184,000 | 31,474,000 |
| Total capital | 33,848,000 | 33,960,000 | 33,934,000 | 34,227,000 |
| Risk-weighted assets | 233,114,000 | 225,090,000 | 215,595,000 | 216,637,000 |