Ledyard National Bank
Norwich, VT — National Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Ledyard National Bank | All Insured Commercial Banks in Vermont |
Interest and Fees on Loans | 10,923 | 18,591 |
Income from Lease Financing Receivables | — | 0 |
— | 568 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 302 |
Income on Loans and Leases (TE) | 10,923 | 18,893 |
Investment Interest Income (TE) | 3,748 | 2,643 |
Total Interest Income (TE) | 14,906 | 21,740 |
Total Interest Expense | 873 | 1,459 |
Net Interest Income (TE) | 14,033 | 20,281 |
Non-Interest Income | 9,903 | 6,349 |
Adjusted Operating Income (TE) | 23,936 | 26,630 |
Non-interest Expense | 18,380 | 18,268 |
Provision for Loan & Lease Losses | — | 264 |
Pretax Operating Income (TE) | 5,556 | 8,098 |
Pretax Net Operating Income (TE) | 6,006 | 8,202 |
Applicable Income Taxes | 1,007 | 1,836 |
Net Operating Income | 4,222 | 5,772 |
Net Income | 4,222 | 5,772 |
Cash Dividends Declared | 2,400 | 2,758 |
Retained Earnings | 1,822 | 3,013 |