Call reports 2001
PEOPLES TRUST COMPANY OF ST. ALBANS — 2001
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 159,718,000 | 166,960,000 | 174,148,000 | 177,415,000 |
| Total loans | 98,790,000 | 98,516,000 | 99,505,000 | 99,810,000 |
| Allowance for loan losses | 748,000 | 801,000 | 788,000 | 795,000 |
| Securities available for sale | 25,734,000 | 29,078,000 | 30,336,000 | 39,527,000 |
| Securities held to maturity | 17,859,000 | 17,351,000 | 15,574,000 | 14,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,969,000 | 143,626,000 | 150,268,000 | 154,030,000 |
| Interest-bearing deposits | 114,777,000 | 118,238,000 | 124,072,000 | 129,054,000 |
| Noninterest-bearing deposits | 22,192,000 | 25,389,000 | 26,196,000 | 24,975,000 |
| Equity capital | 22,046,000 | 22,413,000 | 22,964,000 | 22,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 6,048,000 | 9,082,000 | 12,163,000 |
| Interest expense | 1,232,000 | 2,442,000 | 3,595,000 | 4,659,000 |
| Net interest income | 1,770,000 | 3,606,000 | 5,487,000 | 7,504,000 |
| Noninterest income | 166,000 | 399,000 | 585,000 | 810,000 |
| Noninterest expense | 1,587,000 | 2,944,000 | 4,353,000 | 6,043,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 180,000 |
| Pretax income | 328,000 | 1,010,000 | 1,628,000 | 2,108,000 |
| Income tax | 71,000 | 185,000 | 320,000 | 367,000 |
| Net income | 257,000 | 825,000 | 1,308,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,269,000 | 22,740,000 | 23,125,000 | 23,461,000 |
| Total capital | 23,017,000 | 23,541,000 | 23,913,000 | 24,257,000 |
| Risk-weighted assets | 96,502,000 | 98,169,000 | 100,361,000 | 101,080,000 |