Call reports 2013
PEOPLES TRUST COMPANY OF ST. ALBANS — 2013
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 241,639,000 | 246,135,000 | 247,674,000 | 247,519,000 |
| Total loans | 142,709,000 | 144,407,000 | 152,685,000 | 150,144,000 |
| Allowance for loan losses | 2,210,000 | 1,758,000 | 1,924,000 | 1,889,000 |
| Securities available for sale | 50,972,000 | 55,985,000 | 59,775,000 | 58,602,000 |
| Securities held to maturity | 1,056,000 | 1,048,000 | 1,040,000 | 1,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,855,000 | 211,681,000 | 210,643,000 | 213,190,000 |
| Interest-bearing deposits | 151,950,000 | 154,210,000 | 151,677,000 | 152,874,000 |
| Noninterest-bearing deposits | 53,906,000 | 57,471,000 | 58,966,000 | 60,316,000 |
| Equity capital | 31,483,000 | 30,129,000 | 30,138,000 | 29,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,299,000 | 4,635,000 | 7,010,000 | 9,284,000 |
| Interest expense | 219,000 | 426,000 | 619,000 | 805,000 |
| Net interest income | 2,080,000 | 4,209,000 | 6,391,000 | 8,479,000 |
| Noninterest income | 546,000 | 1,266,000 | 1,707,000 | 2,209,000 |
| Noninterest expense | 2,245,000 | 4,339,000 | 6,623,000 | 9,204,000 |
| Provision for loan losses | 253,000 | 1,593,000 | 1,855,000 | 2,302,000 |
| Pretax income | 128,000 | -457,000 | -380,000 | -818,000 |
| Income tax | 0 | -270,000 | -260,000 | -575,000 |
| Net income | 128,000 | -187,000 | -120,000 | -243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,850,000 | 30,448,000 | 30,433,000 | 29,461,000 |
| Total capital | 32,553,000 | 32,192,000 | 32,264,000 | 31,279,000 |
| Risk-weighted assets | 135,678,000 | 139,510,000 | 146,406,000 | 145,367,000 |