Call reports 2004
PEOPLES TRUST COMPANY OF ST. ALBANS — 2004
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 206,641,000 | 202,040,000 | 211,085,000 | 209,658,000 |
| Total loans | 122,467,000 | 125,785,000 | 131,364,000 | 131,427,000 |
| Allowance for loan losses | 1,064,000 | 1,269,000 | 1,215,000 | 1,204,000 |
| Securities available for sale | 53,063,000 | 51,740,000 | 49,526,000 | 50,939,000 |
| Securities held to maturity | 4,014,000 | 4,715,000 | 6,510,000 | 4,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,904,000 | 174,743,000 | 183,076,000 | 180,929,000 |
| Interest-bearing deposits | 147,890,000 | 144,247,000 | 149,279,000 | 148,806,000 |
| Noninterest-bearing deposits | 31,014,000 | 30,496,000 | 33,797,000 | 32,122,000 |
| Equity capital | 26,844,000 | 26,507,000 | 27,305,000 | 27,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,734,000 | 5,560,000 | 8,425,000 | 11,319,000 |
| Interest expense | 513,000 | 968,000 | 1,395,000 | 1,831,000 |
| Net interest income | 2,221,000 | 4,592,000 | 7,030,000 | 9,488,000 |
| Noninterest income | 236,000 | 539,000 | 1,001,000 | 1,415,000 |
| Noninterest expense | 1,675,000 | 3,450,000 | 5,392,000 | 7,417,000 |
| Provision for loan losses | 370,000 | 430,000 | 500,000 | 590,000 |
| Pretax income | 417,000 | 1,263,000 | 2,159,000 | 2,925,000 |
| Income tax | 150,000 | 295,000 | 450,000 | 633,000 |
| Net income | 267,000 | 968,000 | 1,709,000 | 2,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,106,000 | 26,705,000 | 26,750,000 | 27,019,000 |
| Total capital | 27,170,000 | 27,974,000 | 27,965,000 | 28,223,000 |
| Risk-weighted assets | 125,187,000 | 127,048,000 | 132,176,000 | 133,601,000 |