Call reports 2023
PEOPLES TRUST COMPANY OF ST. ALBANS — 2023
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 356,091,000 | 354,017,000 | 359,023,000 | 357,709,000 |
| Total loans | 213,563,000 | 221,896,000 | 229,070,000 | 239,389,000 |
| Allowance for loan losses | 3,239,000 | 3,496,000 | 3,651,000 | 4,000,000 |
| Securities available for sale | 80,149,000 | 62,848,000 | 68,520,000 | 72,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,086,000 | 316,211,000 | 322,770,000 | 317,592,000 |
| Interest-bearing deposits | 208,603,000 | 204,721,000 | 214,610,000 | 212,371,000 |
| Noninterest-bearing deposits | 109,483,000 | 111,490,000 | 108,160,000 | 105,221,000 |
| Equity capital | 33,166,000 | 33,013,000 | 31,301,000 | 35,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,364,000 | 7,031,000 | 10,871,000 | 14,817,000 |
| Interest expense | 195,000 | 528,000 | 952,000 | 1,422,000 |
| Net interest income | 3,169,000 | 6,503,000 | 9,919,000 | 13,395,000 |
| Noninterest income | 729,000 | 1,463,000 | 2,223,000 | 3,025,000 |
| Noninterest expense | 2,996,000 | 6,038,000 | 9,009,000 | 12,359,000 |
| Provision for loan losses | 75,000 | 325,000 | 475,000 | 775,000 |
| Pretax income | 827,000 | 1,603,000 | 2,658,000 | 3,276,000 |
| Income tax | 113,000 | 216,000 | 374,000 | 435,000 |
| Net income | 714,000 | 1,387,000 | 2,284,000 | 2,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,494,000 | 37,845,000 | 38,560,000 | 38,970,000 |
| Total capital | 40,383,000 | 40,821,000 | 41,633,000 | 42,126,000 |
| Risk-weighted assets | 230,748,000 | 237,587,000 | 245,202,000 | 251,575,000 |
Machine access — free, no API key
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