Call reports 2019
PEOPLES TRUST COMPANY OF ST. ALBANS — 2019
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 269,385,000 | 272,197,000 | 272,280,000 | 267,676,000 |
| Total loans | 190,224,000 | 192,183,000 | 192,288,000 | 185,539,000 |
| Allowance for loan losses | 2,233,000 | 2,281,000 | 2,259,000 | 2,248,000 |
| Securities available for sale | 48,482,000 | 49,332,000 | 49,432,000 | 52,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,780,000 | 233,041,000 | 233,967,000 | 229,075,000 |
| Interest-bearing deposits | 156,742,000 | 157,959,000 | 157,651,000 | 154,440,000 |
| Noninterest-bearing deposits | 74,038,000 | 75,082,000 | 76,317,000 | 74,635,000 |
| Equity capital | 33,555,000 | 34,476,000 | 34,300,000 | 34,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,616,000 | 8,419,000 | 11,140,000 |
| Interest expense | 179,000 | 368,000 | 567,000 | 771,000 |
| Net interest income | 2,540,000 | 5,248,000 | 7,852,000 | 10,369,000 |
| Noninterest income | 648,000 | 1,298,000 | 1,988,000 | 2,687,000 |
| Noninterest expense | 2,645,000 | 5,198,000 | 7,775,000 | 10,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 543,000 | 1,348,000 | 2,065,000 | 2,237,000 |
| Income tax | 84,000 | 204,000 | 326,000 | 76,000 |
| Net income | 459,000 | 1,144,000 | 1,739,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,573,000 | 34,131,000 | 33,814,000 | 34,112,000 |
| Total capital | 35,835,000 | 36,441,000 | 36,102,000 | 36,389,000 |
| Risk-weighted assets | 187,424,000 | 189,501,000 | 189,864,000 | 185,163,000 |