Call reports 2022
PEOPLES TRUST COMPANY OF ST. ALBANS — 2022
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 384,095,000 | 366,581,000 | 365,479,000 | 368,796,000 |
| Total loans | 191,155,000 | 200,834,000 | 198,184,000 | 208,925,000 |
| Allowance for loan losses | 2,930,000 | 2,907,000 | 2,912,000 | 2,981,000 |
| Securities available for sale | 58,399,000 | 77,700,000 | 76,085,000 | 79,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,364,000 | 329,789,000 | 330,944,000 | 332,153,000 |
| Interest-bearing deposits | 224,026,000 | 208,651,000 | 208,908,000 | 217,208,000 |
| Noninterest-bearing deposits | 121,338,000 | 121,137,000 | 122,036,000 | 114,945,000 |
| Equity capital | 34,244,000 | 32,327,000 | 29,862,000 | 31,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 5,184,000 | 8,219,000 | 11,580,000 |
| Interest expense | 208,000 | 397,000 | 578,000 | 757,000 |
| Net interest income | 2,210,000 | 4,787,000 | 7,641,000 | 10,823,000 |
| Noninterest income | 655,000 | 1,329,000 | 2,073,000 | 2,941,000 |
| Noninterest expense | 2,735,000 | 5,495,000 | 8,301,000 | 11,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 130,000 | 621,000 | 1,413,000 | 2,359,000 |
| Income tax | 0 | 30,000 | 139,000 | 287,000 |
| Net income | 130,000 | 591,000 | 1,274,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,389,000 | 36,491,000 | 36,626,000 | 37,236,000 |
| Total capital | 38,845,000 | 39,117,000 | 39,231,000 | 39,963,000 |
| Risk-weighted assets | 195,943,000 | 209,786,000 | 208,095,000 | 217,907,000 |