Call reports 2008
PEOPLES TRUST COMPANY OF ST. ALBANS — 2008
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 210,639,000 | 215,448,000 | 216,939,000 | 213,495,000 |
| Total loans | 134,462,000 | 136,592,000 | 140,760,000 | 142,864,000 |
| Allowance for loan losses | 1,570,000 | 1,591,000 | 1,622,000 | 1,608,000 |
| Securities available for sale | 38,134,000 | 35,092,000 | 35,498,000 | 37,891,000 |
| Securities held to maturity | 2,198,000 | 2,192,000 | 2,186,000 | 1,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,719,000 | 181,571,000 | 182,358,000 | 179,079,000 |
| Interest-bearing deposits | 143,919,000 | 144,392,000 | 143,548,000 | 139,271,000 |
| Noninterest-bearing deposits | 35,800,000 | 37,179,000 | 38,810,000 | 39,809,000 |
| Equity capital | 30,488,000 | 30,415,000 | 30,459,000 | 30,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,337,000 | 6,488,000 | 9,740,000 | 12,797,000 |
| Interest expense | 1,078,000 | 2,043,000 | 2,895,000 | 3,692,000 |
| Net interest income | 2,259,000 | 4,445,000 | 6,845,000 | 9,105,000 |
| Noninterest income | 341,000 | 703,000 | 1,077,000 | 1,433,000 |
| Noninterest expense | 2,179,000 | 4,231,000 | 6,396,000 | 8,491,000 |
| Provision for loan losses | 80,000 | 140,000 | 200,000 | 249,000 |
| Pretax income | 343,000 | 817,000 | 1,420,000 | 1,893,000 |
| Income tax | 19,000 | 99,000 | 240,000 | 366,000 |
| Net income | 324,000 | 718,000 | 1,180,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,933,000 | 30,237,000 | 30,201,000 | 30,137,000 |
| Total capital | 31,503,000 | 31,828,000 | 31,823,000 | 31,756,000 |
| Risk-weighted assets | 136,095,000 | 135,846,000 | 133,471,000 | 132,584,000 |