Call reports 2020
PEOPLES TRUST COMPANY OF ST. ALBANS — 2020
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 276,476,000 | 329,261,000 | 335,339,000 | 337,227,000 |
| Total loans | 185,469,000 | 197,576,000 | 192,149,000 | 183,585,000 |
| Allowance for loan losses | 2,213,000 | 2,801,000 | 2,810,000 | 2,810,000 |
| Securities available for sale | 53,766,000 | 52,749,000 | 51,206,000 | 55,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,533,000 | 289,654,000 | 294,563,000 | 296,397,000 |
| Interest-bearing deposits | 155,074,000 | 171,322,000 | 177,797,000 | 180,833,000 |
| Noninterest-bearing deposits | 82,459,000 | 118,332,000 | 116,766,000 | 115,564,000 |
| Equity capital | 35,094,000 | 35,542,000 | 36,056,000 | 36,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,650,000 | 5,565,000 | 8,106,000 | 10,717,000 |
| Interest expense | 210,000 | 431,000 | 668,000 | 914,000 |
| Net interest income | 2,440,000 | 5,134,000 | 7,438,000 | 9,803,000 |
| Noninterest income | 710,000 | 1,806,000 | 3,000,000 | 4,270,000 |
| Noninterest expense | 2,648,000 | 5,170,000 | 7,718,000 | 11,238,000 |
| Provision for loan losses | 0 | 600,000 | 600,000 | 600,000 |
| Pretax income | 502,000 | 1,170,000 | 2,120,000 | 2,235,000 |
| Income tax | 70,000 | 250,000 | 421,000 | 40,000 |
| Net income | 432,000 | 920,000 | 1,699,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,926,000 | 34,227,000 | 34,810,000 | 35,171,000 |
| Total capital | 36,168,000 | 36,716,000 | 37,272,000 | 37,509,000 |
| Risk-weighted assets | 181,771,000 | 198,774,000 | 196,574,000 | 186,549,000 |