Call reports 2023
LEDYARD NATIONAL BANK — 2023
What LEDYARD NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 745,394,000 | 749,197,000 | 798,886,000 | 854,116,000 |
| Total loans | 363,499,000 | 371,810,000 | 384,974,000 | 418,779,000 |
| Allowance for loan losses | 2,848,000 | 3,111,000 | 2,732,000 | 2,780,000 |
| Securities available for sale | 126,638,000 | 125,432,000 | 145,371,000 | 162,840,000 |
| Securities held to maturity | 185,789,000 | 185,339,000 | 184,938,000 | 184,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,254,000 | 565,840,000 | 597,610,000 | 664,122,000 |
| Interest-bearing deposits | 335,703,000 | 374,057,000 | 415,778,000 | 479,659,000 |
| Noninterest-bearing deposits | 193,551,000 | 191,783,000 | 181,832,000 | 184,463,000 |
| Equity capital | 67,356,000 | 68,367,000 | 66,192,000 | 68,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,218,000 | 12,797,000 | 20,055,000 | 28,486,000 |
| Interest expense | 1,151,000 | 3,307,000 | 6,367,000 | 10,456,000 |
| Net interest income | 5,067,000 | 9,490,000 | 13,688,000 | 18,030,000 |
| Noninterest income | 3,398,000 | 6,923,000 | 10,456,000 | 13,994,000 |
| Noninterest expense | 6,633,000 | 13,555,000 | 20,538,000 | 27,425,000 |
| Provision for loan losses | 35,000 | 273,000 | -110,000 | -84,000 |
| Pretax income | 1,811,000 | 2,605,000 | 3,640,000 | 3,917,000 |
| Income tax | 78,000 | -115,000 | -146,000 | -224,000 |
| Net income | 1,733,000 | 2,720,000 | 3,786,000 | 4,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,239,000 | 83,476,000 | 83,792,000 | 83,395,000 |
| Total capital | 86,096,000 | 86,590,000 | 86,611,000 | 86,949,000 |
| Risk-weighted assets | 455,395,000 | 467,034,000 | 493,824,000 | 536,631,000 |