Call reports 2015
LEDYARD NATIONAL BANK — 2015
What LEDYARD NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 428,689,000 | 424,306,000 | 436,604,000 | 445,890,000 |
| Total loans | 271,334,000 | 275,959,000 | 272,487,000 | 276,675,000 |
| Allowance for loan losses | 5,744,000 | 5,633,000 | 5,733,000 | 5,706,000 |
| Securities available for sale | 99,833,000 | 93,710,000 | 95,798,000 | 98,331,000 |
| Securities held to maturity | 5,506,000 | 5,194,000 | 4,966,000 | 4,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,335,000 | 354,289,000 | 363,996,000 | 375,570,000 |
| Interest-bearing deposits | 339,293,000 | 351,884,000 | 347,363,000 | 362,214,000 |
| Noninterest-bearing deposits | 24,042,000 | 2,405,000 | 16,633,000 | 13,356,000 |
| Equity capital | 40,514,000 | 40,272,000 | 40,825,000 | 41,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,536,000 | 6,901,000 | 10,279,000 | 13,678,000 |
| Interest expense | 215,000 | 425,000 | 637,000 | 851,000 |
| Net interest income | 3,321,000 | 6,476,000 | 9,642,000 | 12,827,000 |
| Noninterest income | 2,480,000 | 5,121,000 | 7,652,000 | 10,110,000 |
| Noninterest expense | 4,294,000 | 8,771,000 | 13,156,000 | 17,678,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,507,000 | 2,826,000 | 4,202,000 | 5,311,000 |
| Income tax | 360,000 | 618,000 | 913,000 | 1,113,000 |
| Net income | 1,147,000 | 2,208,000 | 3,289,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,999,000 | 38,461,000 | 38,940,000 | 39,247,000 |
| Total capital | 41,709,000 | 42,168,000 | 42,684,000 | 42,957,000 |
| Risk-weighted assets | 294,698,000 | 294,542,000 | 297,448,000 | 294,696,000 |