Call reports 2014
LEDYARD NATIONAL BANK — 2014
What LEDYARD NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 415,608,000 | 433,678,000 | 425,982,000 | 433,953,000 |
| Total loans | 252,310,000 | 263,142,000 | 274,788,000 | 274,324,000 |
| Allowance for loan losses | 5,528,000 | 5,531,000 | 5,495,000 | 5,744,000 |
| Securities available for sale | 126,025,000 | 116,535,000 | 111,461,000 | 103,191,000 |
| Securities held to maturity | 8,294,000 | 7,769,000 | 6,042,000 | 5,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,320,000 | 355,959,000 | 353,303,000 | 367,259,000 |
| Interest-bearing deposits | 325,999,000 | 337,035,000 | 332,741,000 | 345,956,000 |
| Noninterest-bearing deposits | 16,321,000 | 18,924,000 | 20,562,000 | 21,303,000 |
| Equity capital | 37,257,000 | 38,330,000 | 38,937,000 | 39,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,710,000 | 10,141,000 | 13,573,000 |
| Interest expense | 192,000 | 415,000 | 646,000 | 848,000 |
| Net interest income | 3,148,000 | 6,295,000 | 9,495,000 | 12,725,000 |
| Noninterest income | 2,342,000 | 4,839,000 | 7,308,000 | 9,728,000 |
| Noninterest expense | 4,307,000 | 8,746,000 | 13,053,000 | 17,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,183,000 | 2,499,000 | 3,970,000 | 5,154,000 |
| Income tax | 236,000 | 537,000 | 916,000 | 1,098,000 |
| Net income | 947,000 | 1,962,000 | 3,054,000 | 4,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,952,000 | 36,344,000 | 36,945,000 | 37,452,000 |
| Total capital | 39,343,000 | 39,789,000 | 40,458,000 | 40,924,000 |
| Risk-weighted assets | 269,062,000 | 273,423,000 | 278,944,000 | 275,415,000 |