Call reports 2016
PEOPLES TRUST COMPANY OF ST. ALBANS — 2016
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 249,313,000 | 257,340,000 | 258,779,000 | 254,301,000 |
| Total loans | 148,944,000 | 153,551,000 | 152,188,000 | 148,981,000 |
| Allowance for loan losses | 2,040,000 | 2,121,000 | 2,222,000 | 2,158,000 |
| Securities available for sale | 72,541,000 | 73,631,000 | 73,201,000 | 74,451,000 |
| Securities held to maturity | 946,000 | 936,000 | 926,000 | 916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,902,000 | 220,325,000 | 222,155,000 | 218,324,000 |
| Interest-bearing deposits | 150,191,000 | 152,647,000 | 156,403,000 | 154,078,000 |
| Noninterest-bearing deposits | 62,711,000 | 67,678,000 | 65,752,000 | 64,246,000 |
| Equity capital | 31,836,000 | 32,329,000 | 32,412,000 | 31,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,612,000 | 7,006,000 | 9,291,000 |
| Interest expense | 161,000 | 321,000 | 484,000 | 644,000 |
| Net interest income | 2,106,000 | 4,291,000 | 6,522,000 | 8,647,000 |
| Noninterest income | 622,000 | 1,275,000 | 2,031,000 | 2,842,000 |
| Noninterest expense | 2,441,000 | 4,810,000 | 7,199,000 | 9,729,000 |
| Provision for loan losses | 90,000 | 180,000 | 135,000 | 0 |
| Pretax income | 198,000 | 577,000 | 1,229,000 | 1,771,000 |
| Income tax | -3,000 | 45,000 | 180,000 | 294,000 |
| Net income | 201,000 | 532,000 | 1,049,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,821,000 | 30,990,000 | 31,312,000 | 31,525,000 |
| Total capital | 32,783,000 | 33,023,000 | 33,309,000 | 33,479,000 |
| Risk-weighted assets | 156,893,000 | 162,526,000 | 159,531,000 | 156,061,000 |