Call reports 2025
LEDYARD NATIONAL BANK — 2025
What LEDYARD NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 974,770,000 | 993,609,000 | 1,029,318,000 | 1,059,568,000 |
| Total loans | 608,662,000 | 629,355,000 | 647,297,000 | 670,785,000 |
| Allowance for loan losses | 4,177,000 | 4,420,000 | 4,442,000 | 4,594,000 |
| Securities available for sale | 88,575,000 | 86,051,000 | 87,610,000 | 83,312,000 |
| Securities held to maturity | 177,351,000 | 176,871,000 | 176,500,000 | 161,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,352,000 | 817,518,000 | 849,808,000 | 882,603,000 |
| Interest-bearing deposits | 615,133,000 | 633,149,000 | 666,441,000 | 687,078,000 |
| Noninterest-bearing deposits | 184,219,000 | 184,369,000 | 183,367,000 | 195,525,000 |
| Equity capital | 70,425,000 | 69,945,000 | 72,893,000 | 76,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,826,000 | 22,265,000 | 34,405,000 | 46,821,000 |
| Interest expense | 5,071,000 | 10,587,000 | 16,363,000 | 22,067,000 |
| Net interest income | 5,755,000 | 11,678,000 | 18,042,000 | 24,754,000 |
| Noninterest income | 4,488,000 | 9,143,000 | 13,894,000 | 19,279,000 |
| Noninterest expense | 7,974,000 | 16,481,000 | 25,425,000 | 34,622,000 |
| Provision for loan losses | 436,000 | 658,000 | 689,000 | 858,000 |
| Pretax income | 1,676,000 | 3,534,000 | 5,616,000 | 8,362,000 |
| Income tax | 233,000 | 524,000 | 820,000 | 1,352,000 |
| Net income | 1,443,000 | 3,010,000 | 4,796,000 | 7,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,245,000 | 81,061,000 | 82,097,000 | 84,466,000 |
| Total capital | 84,940,000 | 85,991,000 | 87,106,000 | 89,536,000 |
| Risk-weighted assets | 682,160,000 | 692,019,000 | 706,213,000 | 725,424,000 |