Call reports 2007
PEOPLES TRUST COMPANY OF ST. ALBANS — 2007
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 199,637,000 | 207,943,000 | 213,188,000 | 213,152,000 |
| Total loans | 139,011,000 | 137,371,000 | 136,125,000 | 135,959,000 |
| Allowance for loan losses | 1,464,000 | 1,501,000 | 1,565,000 | 1,506,000 |
| Securities available for sale | 34,746,000 | 35,322,000 | 36,787,000 | 37,750,000 |
| Securities held to maturity | 2,221,000 | 2,215,000 | 2,210,000 | 2,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,287,000 | 178,514,000 | 183,010,000 | 182,325,000 |
| Interest-bearing deposits | 133,686,000 | 140,223,000 | 144,774,000 | 144,708,000 |
| Noninterest-bearing deposits | 36,601,000 | 38,291,000 | 38,236,000 | 37,617,000 |
| Equity capital | 28,714,000 | 28,854,000 | 29,382,000 | 29,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,123,000 | 6,384,000 | 9,801,000 | 13,206,000 |
| Interest expense | 955,000 | 1,987,000 | 3,091,000 | 4,228,000 |
| Net interest income | 2,168,000 | 4,397,000 | 6,710,000 | 8,978,000 |
| Noninterest income | 301,000 | 731,000 | 1,069,000 | 1,492,000 |
| Noninterest expense | 2,212,000 | 4,238,000 | 6,431,000 | 8,383,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 181,000 | 723,000 | 1,092,000 | 1,741,000 |
| Income tax | -21,000 | 27,000 | 35,000 | 116,000 |
| Net income | 202,000 | 696,000 | 1,057,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,787,000 | 29,065,000 | 29,339,000 | 29,698,000 |
| Total capital | 30,253,000 | 30,566,000 | 30,904,000 | 31,204,000 |
| Risk-weighted assets | 141,710,000 | 142,234,000 | 139,119,000 | 137,034,000 |