Call reports 2015
PEOPLES TRUST COMPANY OF ST. ALBANS — 2015
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 254,206,000 | 253,209,000 | 256,127,000 | 254,906,000 |
| Total loans | 145,689,000 | 148,041,000 | 154,496,000 | 149,192,000 |
| Allowance for loan losses | 2,216,000 | 2,258,000 | 2,209,000 | 2,279,000 |
| Securities available for sale | 71,885,000 | 73,494,000 | 73,217,000 | 73,399,000 |
| Securities held to maturity | 985,000 | 976,000 | 966,000 | 956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,087,000 | 218,032,000 | 219,930,000 | 218,785,000 |
| Interest-bearing deposits | 153,876,000 | 152,137,000 | 152,879,000 | 152,417,000 |
| Noninterest-bearing deposits | 64,211,000 | 65,895,000 | 67,050,000 | 66,368,000 |
| Equity capital | 31,754,000 | 30,932,000 | 31,664,000 | 31,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,250,000 | 4,558,000 | 6,958,000 | 9,308,000 |
| Interest expense | 171,000 | 341,000 | 509,000 | 673,000 |
| Net interest income | 2,079,000 | 4,217,000 | 6,449,000 | 8,635,000 |
| Noninterest income | 494,000 | 1,123,000 | 1,820,000 | 2,500,000 |
| Noninterest expense | 2,250,000 | 4,524,000 | 6,833,000 | 9,377,000 |
| Provision for loan losses | 125,000 | 250,000 | 333,000 | 443,000 |
| Pretax income | 198,000 | 566,000 | 1,103,000 | 1,315,000 |
| Income tax | 6,000 | 49,000 | 160,000 | 128,000 |
| Net income | 192,000 | 517,000 | 943,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,678,000 | 30,289,000 | 30,636,000 | 30,382,000 |
| Total capital | 32,530,000 | 32,187,000 | 32,627,000 | 32,326,000 |
| Risk-weighted assets | 147,795,000 | 151,351,000 | 158,835,000 | 154,931,000 |