Call reports 2025
PEOPLES TRUST COMPANY OF ST. ALBANS — 2025
What PEOPLES TRUST COMPANY OF ST. ALBANS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 374,654,000 | 376,849,000 | 388,712,000 | 384,277,000 |
| Total loans | 273,065,000 | 288,219,000 | 292,262,000 | 291,575,000 |
| Allowance for loan losses | 3,622,000 | 3,669,000 | 3,780,000 | 3,829,000 |
| Securities available for sale | 61,453,000 | 60,480,000 | 60,964,000 | 57,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,872,000 | 332,557,000 | 342,111,000 | 339,187,000 |
| Interest-bearing deposits | 229,707,000 | 232,593,000 | 233,676,000 | 239,895,000 |
| Noninterest-bearing deposits | 101,165,000 | 99,964,000 | 108,435,000 | 99,292,000 |
| Equity capital | 38,318,000 | 38,788,000 | 40,852,000 | 42,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,352,000 | 8,885,000 | 13,601,000 | 18,568,000 |
| Interest expense | 746,000 | 1,511,000 | 2,288,000 | 3,187,000 |
| Net interest income | 3,606,000 | 7,374,000 | 11,313,000 | 15,381,000 |
| Noninterest income | 751,000 | 1,467,000 | 2,211,000 | 2,999,000 |
| Noninterest expense | 3,292,000 | 6,646,000 | 9,821,000 | 13,322,000 |
| Provision for loan losses | -155,000 | -84,000 | 22,000 | 137,000 |
| Pretax income | 985,000 | 2,038,000 | 3,476,000 | 4,607,000 |
| Income tax | 112,000 | 232,000 | 437,000 | 464,000 |
| Net income | 873,000 | 1,806,000 | 3,039,000 | 4,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,335,000 | 42,848,000 | 43,719,000 | 44,627,000 |
| Total capital | 45,768,000 | 46,351,000 | 47,224,000 | 48,067,000 |
| Risk-weighted assets | 273,861,000 | 279,492,000 | 279,626,000 | 274,301,000 |