Call reports 2006
PEOPLES TRUST COMPANY OF ST. ALBANS — 2006
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 204,094,000 | 204,728,000 | 204,489,000 | 201,650,000 |
| Total loans | 132,277,000 | 133,258,000 | 133,342,000 | 139,685,000 |
| Allowance for loan losses | 1,270,000 | 1,341,000 | 1,280,000 | 1,389,000 |
| Securities available for sale | 37,087,000 | 37,845,000 | 38,080,000 | 38,537,000 |
| Securities held to maturity | 4,695,000 | 6,046,000 | 6,263,000 | 2,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,768,000 | 176,317,000 | 175,043,000 | 172,173,000 |
| Interest-bearing deposits | 140,910,000 | 141,836,000 | 139,284,000 | 137,733,000 |
| Noninterest-bearing deposits | 34,857,000 | 34,480,000 | 35,759,000 | 34,440,000 |
| Equity capital | 27,910,000 | 27,849,000 | 28,428,000 | 28,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,069,000 | 6,292,000 | 9,421,000 | 12,623,000 |
| Interest expense | 809,000 | 1,679,000 | 2,582,000 | 3,518,000 |
| Net interest income | 2,260,000 | 4,613,000 | 6,839,000 | 9,105,000 |
| Noninterest income | 465,000 | 787,000 | 1,155,000 | 1,765,000 |
| Noninterest expense | 2,231,000 | 4,231,000 | 6,319,000 | 8,352,000 |
| Provision for loan losses | 90,000 | 181,000 | 275,000 | 400,000 |
| Pretax income | 408,000 | 903,000 | 1,315,000 | 2,033,000 |
| Income tax | 48,000 | 156,000 | 225,000 | 358,000 |
| Net income | 360,000 | 747,000 | 1,090,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,249,000 | 28,283,000 | 28,502,000 | 28,762,000 |
| Total capital | 29,519,000 | 29,624,000 | 29,782,000 | 30,151,000 |
| Risk-weighted assets | 135,712,000 | 136,904,000 | 136,766,000 | 141,840,000 |