Call reports 2019
LEDYARD NATIONAL BANK — 2019
What LEDYARD NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 499,565,000 | 512,460,000 | 504,421,000 | 499,331,000 |
| Total loans | 316,117,000 | 319,541,000 | 314,535,000 | 325,592,000 |
| Allowance for loan losses | 5,246,000 | 5,262,000 | 5,214,000 | 5,213,000 |
| Securities available for sale | 135,173,000 | 134,824,000 | 141,608,000 | 135,827,000 |
| Securities held to maturity | 1,212,000 | 1,205,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,623,000 | 396,875,000 | 388,779,000 | 396,795,000 |
| Interest-bearing deposits | 295,873,000 | 285,995,000 | 272,336,000 | 277,002,000 |
| Noninterest-bearing deposits | 108,750,000 | 110,880,000 | 116,443,000 | 119,793,000 |
| Equity capital | 46,228,000 | 48,655,000 | 49,856,000 | 50,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,444,000 | 8,996,000 | 13,512,000 | 17,906,000 |
| Interest expense | 365,000 | 848,000 | 1,366,000 | 1,830,000 |
| Net interest income | 4,079,000 | 8,148,000 | 12,146,000 | 16,076,000 |
| Noninterest income | 2,949,000 | 6,130,000 | 9,337,000 | 12,611,000 |
| Noninterest expense | 5,465,000 | 10,792,000 | 16,165,000 | 21,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,516,000 | 3,440,000 | 5,273,000 | 6,873,000 |
| Income tax | 180,000 | 500,000 | 721,000 | 923,000 |
| Net income | 1,336,000 | 2,940,000 | 4,552,000 | 5,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,917,000 | 46,820,000 | 47,733,000 | 48,430,000 |
| Total capital | 50,032,000 | 50,934,000 | 51,784,000 | 52,570,000 |
| Risk-weighted assets | 327,953,000 | 327,838,000 | 322,852,000 | 329,999,000 |