Call reports 2020
LEDYARD NATIONAL BANK — 2020
What LEDYARD NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 566,630,000 | 624,118,000 | 651,772,000 | 683,445,000 |
| Total loans | 332,223,000 | 359,099,000 | 371,204,000 | 371,916,000 |
| Allowance for loan losses | 5,469,000 | 6,497,000 | 7,526,000 | 7,958,000 |
| Securities available for sale | 191,260,000 | 210,829,000 | 220,080,000 | 231,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,396,000 | 452,205,000 | 553,539,000 | 592,365,000 |
| Interest-bearing deposits | 269,599,000 | 290,362,000 | 381,475,000 | 405,958,000 |
| Noninterest-bearing deposits | 128,797,000 | 161,843,000 | 172,064,000 | 186,407,000 |
| Equity capital | 53,407,000 | 56,418,000 | 58,514,000 | 62,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,300,000 | 8,979,000 | 13,600,000 | 18,340,000 |
| Interest expense | 458,000 | 866,000 | 1,236,000 | 1,575,000 |
| Net interest income | 3,842,000 | 8,113,000 | 12,364,000 | 16,765,000 |
| Noninterest income | 3,323,000 | 6,617,000 | 10,026,000 | 13,531,000 |
| Noninterest expense | 5,127,000 | 10,318,000 | 15,476,000 | 21,503,000 |
| Provision for loan losses | 250,000 | 1,450,000 | 2,450,000 | 2,700,000 |
| Pretax income | 1,906,000 | 3,646,000 | 5,705,000 | 7,524,000 |
| Income tax | 249,000 | 313,000 | 620,000 | 638,000 |
| Net income | 1,657,000 | 3,333,000 | 5,085,000 | 6,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,387,000 | 50,713,000 | 52,465,000 | 54,265,000 |
| Total capital | 53,780,000 | 55,114,000 | 56,967,000 | 58,920,000 |
| Risk-weighted assets | 350,265,000 | 349,917,000 | 357,013,000 | 368,957,000 |