Call reports 2002
PEOPLES TRUST COMPANY OF ST. ALBANS — 2002
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 175,258,000 | 182,801,000 | 191,287,000 | 196,516,000 |
| Total loans | 102,296,000 | 107,570,000 | 114,340,000 | 117,917,000 |
| Allowance for loan losses | 795,000 | 777,000 | 797,000 | 876,000 |
| Securities available for sale | 39,258,000 | 39,917,000 | 38,574,000 | 43,112,000 |
| Securities held to maturity | 14,386,000 | 11,441,000 | 10,148,000 | 7,112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,470,000 | 157,880,000 | 165,474,000 | 170,547,000 |
| Interest-bearing deposits | 128,610,000 | 132,252,000 | 139,812,000 | 144,459,000 |
| Noninterest-bearing deposits | 22,860,000 | 25,628,000 | 25,662,000 | 26,088,000 |
| Equity capital | 22,835,000 | 23,934,000 | 24,763,000 | 24,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,910,000 | 5,889,000 | 8,901,000 | 11,941,000 |
| Interest expense | 973,000 | 1,909,000 | 2,822,000 | 3,677,000 |
| Net interest income | 1,937,000 | 3,980,000 | 6,079,000 | 8,264,000 |
| Noninterest income | 166,000 | 384,000 | 583,000 | 887,000 |
| Noninterest expense | 1,507,000 | 3,005,000 | 4,546,000 | 6,333,000 |
| Provision for loan losses | 55,000 | 100,000 | 175,000 | 327,000 |
| Pretax income | 544,000 | 1,271,000 | 1,955,000 | 2,513,000 |
| Income tax | 93,000 | 228,000 | 332,000 | 481,000 |
| Net income | 451,000 | 1,043,000 | 1,623,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,512,000 | 23,995,000 | 24,078,000 | 24,392,000 |
| Total capital | 24,307,000 | 24,772,000 | 24,875,000 | 25,268,000 |
| Risk-weighted assets | 101,136,000 | 105,099,000 | 109,447,000 | 112,984,000 |