Call reports 2003
PEOPLES TRUST COMPANY OF ST. ALBANS — 2003
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 193,834,000 | 203,516,000 | 207,647,000 | 212,074,000 |
| Total loans | 117,886,000 | 120,265,000 | 121,273,000 | 121,329,000 |
| Allowance for loan losses | 818,000 | 928,000 | 1,030,000 | 1,047,000 |
| Securities available for sale | 46,017,000 | 49,177,000 | 49,430,000 | 52,248,000 |
| Securities held to maturity | 5,854,000 | 7,456,000 | 5,385,000 | 4,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,476,000 | 176,050,000 | 180,440,000 | 184,690,000 |
| Interest-bearing deposits | 142,704,000 | 146,809,000 | 149,762,000 | 154,140,000 |
| Noninterest-bearing deposits | 24,772,000 | 29,241,000 | 30,678,000 | 30,550,000 |
| Equity capital | 25,480,000 | 26,247,000 | 26,451,000 | 26,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,729,000 | 8,534,000 | 11,395,000 |
| Interest expense | 740,000 | 1,438,000 | 2,002,000 | 2,547,000 |
| Net interest income | 2,130,000 | 4,291,000 | 6,532,000 | 8,848,000 |
| Noninterest income | 219,000 | 487,000 | 827,000 | 1,129,000 |
| Noninterest expense | 1,563,000 | 3,219,000 | 4,837,000 | 6,814,000 |
| Provision for loan losses | 82,000 | 202,000 | 292,000 | 400,000 |
| Pretax income | 705,000 | 1,363,000 | 2,272,000 | 2,808,000 |
| Income tax | 127,000 | 262,000 | 486,000 | 627,000 |
| Net income | 578,000 | 1,101,000 | 1,786,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,866,000 | 25,294,000 | 25,893,000 | 26,110,000 |
| Total capital | 25,684,000 | 26,222,000 | 26,923,000 | 27,157,000 |
| Risk-weighted assets | 113,945,000 | 119,837,000 | 122,469,000 | 124,250,000 |