Call reports 2016
LEDYARD NATIONAL BANK — 2016
What LEDYARD NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 457,895,000 | 461,618,000 | 470,542,000 | 476,016,000 |
| Total loans | 274,974,000 | 277,667,000 | 287,188,000 | 294,888,000 |
| Allowance for loan losses | 5,694,000 | 5,692,000 | 5,697,000 | 5,700,000 |
| Securities available for sale | 107,628,000 | 126,053,000 | 128,399,000 | 142,128,000 |
| Securities held to maturity | 3,186,000 | 1,905,000 | 1,828,000 | 1,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,671,000 | 384,557,000 | 394,761,000 | 404,198,000 |
| Interest-bearing deposits | 364,415,000 | 363,468,000 | 372,673,000 | 386,134,000 |
| Noninterest-bearing deposits | 22,256,000 | 21,089,000 | 22,088,000 | 18,064,000 |
| Equity capital | 41,477,000 | 42,558,000 | 42,862,000 | 40,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,412,000 | 6,903,000 | 10,485,000 | 14,129,000 |
| Interest expense | 214,000 | 425,000 | 651,000 | 873,000 |
| Net interest income | 3,198,000 | 6,478,000 | 9,834,000 | 13,256,000 |
| Noninterest income | 2,408,000 | 4,940,000 | 7,415,000 | 9,903,000 |
| Noninterest expense | 4,547,000 | 9,097,000 | 13,629,000 | 18,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,247,000 | 2,613,000 | 3,996,000 | 5,229,000 |
| Income tax | 217,000 | 491,000 | 783,000 | 1,007,000 |
| Net income | 1,030,000 | 2,122,000 | 3,213,000 | 4,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,679,000 | 40,169,000 | 40,661,000 | 41,070,000 |
| Total capital | 43,528,000 | 44,102,000 | 44,775,000 | 45,316,000 |
| Risk-weighted assets | 305,960,000 | 312,881,000 | 327,440,000 | 338,113,000 |