Call reports 2017
PEOPLES TRUST COMPANY OF ST. ALBANS — 2017
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 254,386,000 | 264,699,000 | 265,404,000 | 262,099,000 |
| Total loans | 153,894,000 | 162,764,000 | 169,384,000 | 170,712,000 |
| Allowance for loan losses | 2,327,000 | 2,342,000 | 2,343,000 | 2,317,000 |
| Securities available for sale | 76,133,000 | 71,096,000 | 66,634,000 | 62,104,000 |
| Securities held to maturity | 905,000 | 895,000 | 884,000 | 873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,166,000 | 228,353,000 | 228,288,000 | 225,277,000 |
| Interest-bearing deposits | 155,100,000 | 155,638,000 | 154,601,000 | 149,325,000 |
| Noninterest-bearing deposits | 65,066,000 | 72,715,000 | 73,688,000 | 75,952,000 |
| Equity capital | 31,839,000 | 31,619,000 | 31,997,000 | 31,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,398,000 | 4,772,000 | 7,200,000 | 9,674,000 |
| Interest expense | 160,000 | 324,000 | 487,000 | 648,000 |
| Net interest income | 2,238,000 | 4,448,000 | 6,713,000 | 9,026,000 |
| Noninterest income | 565,000 | 1,277,000 | 1,985,000 | 2,717,000 |
| Noninterest expense | 2,438,000 | 4,814,000 | 7,192,000 | 9,687,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 365,000 | 922,000 | 1,529,000 | 2,067,000 |
| Income tax | 57,000 | 170,000 | 309,000 | 585,000 |
| Net income | 308,000 | 752,000 | 1,220,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,705,000 | 31,363,000 | 31,739,000 | 31,834,000 |
| Total capital | 33,733,000 | 33,489,000 | 33,955,000 | 34,042,000 |
| Risk-weighted assets | 161,873,000 | 169,835,000 | 177,104,000 | 176,527,000 |