Call reports 2010
PEOPLES TRUST COMPANY OF ST. ALBANS — 2010
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 224,541,000 | 226,101,000 | 228,571,000 | 228,180,000 |
| Total loans | 156,815,000 | 157,006,000 | 157,617,000 | 151,789,000 |
| Allowance for loan losses | 1,683,000 | 1,553,000 | 1,602,000 | 1,887,000 |
| Securities available for sale | 33,800,000 | 34,117,000 | 35,304,000 | 40,032,000 |
| Securities held to maturity | 1,145,000 | 1,141,000 | 1,133,000 | 1,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,243,000 | 189,704,000 | 191,910,000 | 191,975,000 |
| Interest-bearing deposits | 144,284,000 | 145,347,000 | 145,584,000 | 143,973,000 |
| Noninterest-bearing deposits | 43,960,000 | 44,358,000 | 46,326,000 | 48,002,000 |
| Equity capital | 29,789,000 | 30,272,000 | 30,445,000 | 29,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,726,000 | 8,644,000 | 11,386,000 |
| Interest expense | 493,000 | 964,000 | 1,405,000 | 1,803,000 |
| Net interest income | 2,324,000 | 4,762,000 | 7,239,000 | 9,583,000 |
| Noninterest income | 332,000 | 691,000 | 1,156,000 | 1,769,000 |
| Noninterest expense | 2,170,000 | 4,319,000 | 6,694,000 | 9,325,000 |
| Provision for loan losses | 60,000 | 120,000 | 185,000 | 575,000 |
| Pretax income | 430,000 | 1,028,000 | 1,757,000 | 1,693,000 |
| Income tax | 109,000 | 279,000 | 549,000 | 385,000 |
| Net income | 321,000 | 749,000 | 1,208,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,310,000 | 29,658,000 | 30,035,000 | 29,966,000 |
| Total capital | 30,993,000 | 31,211,000 | 31,637,000 | 31,722,000 |
| Risk-weighted assets | 145,293,000 | 143,944,000 | 144,365,000 | 140,502,000 |