Call reports 2014
PEOPLES TRUST COMPANY OF ST. ALBANS — 2014
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 247,362,000 | 252,331,000 | 258,564,000 | 255,609,000 |
| Total loans | 149,274,000 | 148,994,000 | 150,163,000 | 147,091,000 |
| Allowance for loan losses | 2,022,000 | 1,960,000 | 2,096,000 | 2,119,000 |
| Securities available for sale | 60,449,000 | 64,729,000 | 65,531,000 | 68,395,000 |
| Securities held to maturity | 1,022,000 | 1,013,000 | 1,004,000 | 995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,103,000 | 216,950,000 | 221,231,000 | 220,556,000 |
| Interest-bearing deposits | 153,627,000 | 154,259,000 | 152,395,000 | 154,243,000 |
| Noninterest-bearing deposits | 59,477,000 | 62,692,000 | 68,836,000 | 66,312,000 |
| Equity capital | 30,142,000 | 30,882,000 | 31,090,000 | 31,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,301,000 | 4,872,000 | 7,206,000 | 9,499,000 |
| Interest expense | 177,000 | 355,000 | 533,000 | 709,000 |
| Net interest income | 2,124,000 | 4,517,000 | 6,673,000 | 8,790,000 |
| Noninterest income | 468,000 | 947,000 | 1,490,000 | 2,004,000 |
| Noninterest expense | 2,316,000 | 4,613,000 | 6,819,000 | 9,374,000 |
| Provision for loan losses | 121,000 | 271,000 | 316,000 | 416,000 |
| Pretax income | 155,000 | 580,000 | 1,028,000 | 1,004,000 |
| Income tax | 0 | 67,000 | 146,000 | -10,000 |
| Net income | 155,000 | 513,000 | 882,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,756,000 | 30,110,000 | 30,438,000 | 30,381,000 |
| Total capital | 31,564,000 | 31,919,000 | 32,287,000 | 32,179,000 |
| Risk-weighted assets | 144,389,000 | 144,508,000 | 147,671,000 | 143,466,000 |