Call reports 2009
PEOPLES TRUST COMPANY OF ST. ALBANS — 2009
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 214,902,000 | 220,467,000 | 219,865,000 | 223,121,000 |
| Total loans | 144,102,000 | 150,474,000 | 150,712,000 | 153,036,000 |
| Allowance for loan losses | 1,660,000 | 1,689,000 | 1,744,000 | 1,636,000 |
| Securities available for sale | 36,399,000 | 36,258,000 | 34,819,000 | 32,174,000 |
| Securities held to maturity | 1,522,000 | 1,515,000 | 1,508,000 | 1,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,919,000 | 185,768,000 | 183,776,000 | 187,472,000 |
| Interest-bearing deposits | 138,490,000 | 141,999,000 | 141,356,000 | 143,902,000 |
| Noninterest-bearing deposits | 42,428,000 | 43,770,000 | 42,421,000 | 43,570,000 |
| Equity capital | 28,922,000 | 29,150,000 | 29,503,000 | 29,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,964,000 | 6,019,000 | 8,891,000 | 11,679,000 |
| Interest expense | 690,000 | 1,366,000 | 1,982,000 | 2,542,000 |
| Net interest income | 2,274,000 | 4,653,000 | 6,909,000 | 9,137,000 |
| Noninterest income | 423,000 | 936,000 | 1,311,000 | 1,729,000 |
| Noninterest expense | 2,302,000 | 4,532,000 | 6,683,000 | 8,995,000 |
| Provision for loan losses | 58,000 | 118,000 | 180,000 | 274,000 |
| Pretax income | 363,000 | 973,000 | 1,391,000 | 1,815,000 |
| Income tax | 67,000 | 263,000 | 345,000 | 455,000 |
| Net income | 296,000 | 710,000 | 1,046,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,371,000 | 28,670,000 | 28,919,000 | 29,070,000 |
| Total capital | 30,037,000 | 30,359,000 | 30,624,000 | 30,706,000 |
| Risk-weighted assets | 132,546,000 | 135,419,000 | 135,612,000 | 138,302,000 |