Call reports 2018
PEOPLES TRUST COMPANY OF ST. ALBANS — 2018
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 262,284,000 | 272,816,000 | 273,775,000 | 266,945,000 |
| Total loans | 173,234,000 | 182,885,000 | 194,468,000 | 188,989,000 |
| Allowance for loan losses | 2,348,000 | 2,346,000 | 2,324,000 | 2,278,000 |
| Securities available for sale | 60,913,000 | 59,722,000 | 53,735,000 | 48,143,000 |
| Securities held to maturity | 862,000 | 850,000 | 839,000 | 828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,295,000 | 235,165,000 | 232,295,000 | 228,629,000 |
| Interest-bearing deposits | 154,641,000 | 156,741,000 | 159,004,000 | 156,562,000 |
| Noninterest-bearing deposits | 71,654,000 | 78,424,000 | 73,291,000 | 72,067,000 |
| Equity capital | 31,629,000 | 31,927,000 | 32,276,000 | 32,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,494,000 | 5,096,000 | 7,890,000 | 10,632,000 |
| Interest expense | 157,000 | 324,000 | 494,000 | 672,000 |
| Net interest income | 2,337,000 | 4,772,000 | 7,396,000 | 9,960,000 |
| Noninterest income | 609,000 | 1,233,000 | 1,867,000 | 2,521,000 |
| Noninterest expense | 2,532,000 | 4,993,000 | 7,483,000 | 10,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 414,000 | 1,012,000 | 1,780,000 | 2,017,000 |
| Income tax | 51,000 | 128,000 | 244,000 | 162,000 |
| Net income | 363,000 | 884,000 | 1,536,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,079,000 | 32,488,000 | 33,029,000 | 33,241,000 |
| Total capital | 34,336,000 | 34,823,000 | 35,382,000 | 35,548,000 |
| Risk-weighted assets | 180,412,000 | 186,799,000 | 193,869,000 | 186,329,000 |