Call reports 2021
PEOPLES TRUST COMPANY OF ST. ALBANS — 2021
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 352,980,000 | 369,472,000 | 375,295,000 | 381,803,000 |
| Total loans | 185,918,000 | 179,478,000 | 170,636,000 | 182,039,000 |
| Allowance for loan losses | 2,821,000 | 2,922,000 | 2,926,000 | 2,964,000 |
| Securities available for sale | 55,241,000 | 59,118,000 | 59,011,000 | 61,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,199,000 | 328,151,000 | 333,342,000 | 339,950,000 |
| Interest-bearing deposits | 191,947,000 | 205,290,000 | 210,711,000 | 216,249,000 |
| Noninterest-bearing deposits | 120,251,000 | 122,862,000 | 122,630,000 | 123,701,000 |
| Equity capital | 36,524,000 | 37,234,000 | 37,341,000 | 37,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 5,055,000 | 7,833,000 | 10,421,000 |
| Interest expense | 245,000 | 497,000 | 733,000 | 957,000 |
| Net interest income | 2,239,000 | 4,558,000 | 7,100,000 | 9,464,000 |
| Noninterest income | 1,108,000 | 2,043,000 | 3,007,000 | 4,063,000 |
| Noninterest expense | 2,611,000 | 5,108,000 | 7,785,000 | 10,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 736,000 | 1,493,000 | 2,322,000 | 2,742,000 |
| Income tax | 119,000 | 239,000 | 380,000 | 421,000 |
| Net income | 617,000 | 1,254,000 | 1,942,000 | 2,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,607,000 | 36,109,000 | 36,531,000 | 36,729,000 |
| Total capital | 38,001,000 | 38,290,000 | 38,644,000 | 39,042,000 |
| Risk-weighted assets | 191,040,000 | 173,749,000 | 168,225,000 | 184,369,000 |