Call reports 2011
PEOPLES TRUST COMPANY OF ST. ALBANS — 2011
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 224,558,000 | 228,865,000 | 233,967,000 | 233,046,000 |
| Total loans | 148,853,000 | 149,474,000 | 151,164,000 | 152,731,000 |
| Allowance for loan losses | 1,990,000 | 2,056,000 | 2,397,000 | 3,037,000 |
| Securities available for sale | 40,389,000 | 40,585,000 | 37,686,000 | 39,995,000 |
| Securities held to maturity | 1,119,000 | 1,111,000 | 1,104,000 | 1,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,522,000 | 193,765,000 | 195,504,000 | 195,668,000 |
| Interest-bearing deposits | 145,988,000 | 143,145,000 | 143,739,000 | 143,736,000 |
| Noninterest-bearing deposits | 43,534,000 | 50,621,000 | 51,765,000 | 51,932,000 |
| Equity capital | 30,013,000 | 30,508,000 | 31,156,000 | 31,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,219,000 | 7,736,000 | 10,266,000 |
| Interest expense | 359,000 | 698,000 | 1,022,000 | 1,321,000 |
| Net interest income | 2,283,000 | 4,521,000 | 6,714,000 | 8,945,000 |
| Noninterest income | 423,000 | 781,000 | 1,249,000 | 1,830,000 |
| Noninterest expense | 2,132,000 | 4,230,000 | 6,340,000 | 8,548,000 |
| Provision for loan losses | 130,000 | 310,000 | 655,000 | 1,275,000 |
| Pretax income | 444,000 | 761,000 | 1,034,000 | 1,025,000 |
| Income tax | 112,000 | 180,000 | 231,000 | 181,000 |
| Net income | 332,000 | 581,000 | 803,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,215,000 | 30,385,000 | 30,526,000 | 30,403,000 |
| Total capital | 31,958,000 | 32,120,000 | 32,244,000 | 32,117,000 |
| Risk-weighted assets | 138,425,000 | 138,733,000 | 136,002,000 | 135,015,000 |