Call reports 2005
PEOPLES TRUST COMPANY OF ST. ALBANS — 2005
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 204,478,000 | 207,515,000 | 211,487,000 | 210,938,000 |
| Total loans | 128,244,000 | 128,159,000 | 128,376,000 | 134,963,000 |
| Allowance for loan losses | 1,270,000 | 1,320,000 | 1,396,000 | 1,230,000 |
| Securities available for sale | 50,918,000 | 51,702,000 | 54,080,000 | 49,424,000 |
| Securities held to maturity | 4,137,000 | 4,515,000 | 3,891,000 | 4,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,267,000 | 178,304,000 | 182,078,000 | 181,664,000 |
| Interest-bearing deposits | 143,875,000 | 143,341,000 | 144,162,000 | 145,309,000 |
| Noninterest-bearing deposits | 32,393,000 | 34,963,000 | 37,916,000 | 36,355,000 |
| Equity capital | 27,278,000 | 28,073,000 | 27,963,000 | 28,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 5,749,000 | 8,758,000 | 11,822,000 |
| Interest expense | 475,000 | 1,016,000 | 1,604,000 | 2,317,000 |
| Net interest income | 2,419,000 | 4,733,000 | 7,154,000 | 9,505,000 |
| Noninterest income | 335,000 | 669,000 | 1,018,000 | 1,430,000 |
| Noninterest expense | 2,008,000 | 3,929,000 | 6,057,000 | 8,295,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 460,000 |
| Pretax income | 692,000 | 1,331,000 | 1,881,000 | 2,243,000 |
| Income tax | 214,000 | 319,000 | 459,000 | 428,000 |
| Net income | 478,000 | 1,012,000 | 1,422,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,297,000 | 27,667,000 | 27,891,000 | 28,087,000 |
| Total capital | 28,567,000 | 28,987,000 | 29,287,000 | 29,317,000 |
| Risk-weighted assets | 130,550,000 | 131,620,000 | 133,470,000 | 138,534,000 |