Call reports 2012
PEOPLES TRUST COMPANY OF ST. ALBANS — 2012
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 230,601,000 | 231,481,000 | 238,768,000 | 239,729,000 |
| Total loans | 150,616,000 | 151,296,000 | 151,847,000 | 146,179,000 |
| Allowance for loan losses | 3,154,000 | 3,434,000 | 3,843,000 | 2,098,000 |
| Securities available for sale | 41,361,000 | 43,185,000 | 44,526,000 | 47,743,000 |
| Securities held to maturity | 1,088,000 | 1,080,000 | 1,073,000 | 1,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,611,000 | 195,314,000 | 200,686,000 | 204,443,000 |
| Interest-bearing deposits | 143,484,000 | 143,969,000 | 146,940,000 | 151,929,000 |
| Noninterest-bearing deposits | 50,127,000 | 51,346,000 | 53,746,000 | 52,514,000 |
| Equity capital | 31,303,000 | 31,587,000 | 32,019,000 | 31,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,434,000 | 4,876,000 | 7,333,000 | 9,712,000 |
| Interest expense | 260,000 | 501,000 | 739,000 | 970,000 |
| Net interest income | 2,174,000 | 4,375,000 | 6,594,000 | 8,742,000 |
| Noninterest income | 632,000 | 1,209,000 | 1,843,000 | 2,701,000 |
| Noninterest expense | 2,199,000 | 4,241,000 | 6,354,000 | 8,644,000 |
| Provision for loan losses | 250,000 | 535,000 | 947,000 | 1,865,000 |
| Pretax income | 357,000 | 808,000 | 1,136,000 | 935,000 |
| Income tax | 81,000 | 185,000 | 242,000 | 114,000 |
| Net income | 276,000 | 623,000 | 894,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,595,000 | 30,859,000 | 31,046,000 | 30,804,000 |
| Total capital | 32,271,000 | 32,571,000 | 32,805,000 | 32,509,000 |
| Risk-weighted assets | 132,569,000 | 135,245,000 | 138,675,000 | 136,010,000 |