Call reports 2024
PEOPLES TRUST COMPANY OF ST. ALBANS — 2024
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 363,663,000 | 371,774,000 | 371,732,000 | 369,405,000 |
| Total loans | 250,702,000 | 262,207,000 | 268,498,000 | 276,382,000 |
| Allowance for loan losses | 4,125,000 | 4,095,000 | 4,102,000 | 3,786,000 |
| Securities available for sale | 66,052,000 | 63,839,000 | 64,187,000 | 62,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,430,000 | 330,926,000 | 328,030,000 | 325,925,000 |
| Interest-bearing deposits | 225,045,000 | 224,489,000 | 221,867,000 | 223,236,000 |
| Noninterest-bearing deposits | 98,385,000 | 106,437,000 | 106,163,000 | 102,689,000 |
| Equity capital | 35,210,000 | 35,832,000 | 38,425,000 | 37,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,844,000 | 8,011,000 | 12,396,000 | 16,854,000 |
| Interest expense | 494,000 | 1,155,000 | 1,892,000 | 2,670,000 |
| Net interest income | 3,350,000 | 6,856,000 | 10,504,000 | 14,184,000 |
| Noninterest income | 705,000 | 1,464,000 | 2,333,000 | 3,090,000 |
| Noninterest expense | 3,145,000 | 6,250,000 | 9,215,000 | 12,609,000 |
| Provision for loan losses | 100,000 | 130,000 | 150,000 | -129,000 |
| Pretax income | 810,000 | 1,940,000 | 3,472,000 | 4,109,000 |
| Income tax | 100,000 | 270,000 | 520,000 | 492,000 |
| Net income | 710,000 | 1,670,000 | 2,952,000 | 3,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,449,000 | 40,196,000 | 41,285,000 | 41,783,000 |
| Total capital | 42,718,000 | 43,587,000 | 44,693,000 | 45,235,000 |
| Risk-weighted assets | 260,623,000 | 270,486,000 | 271,929,000 | 275,496,000 |