Peoples Trust Company of St. Albans in city_name, state_name

Peoples Trust Company of St. Albans in Saint Albans, Vermont (VT)
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Peoples Trust Company of St. Albans routing number info

Peoples Trust Company of St. Albans - Overview

General
FDIC Certificate #: 14168
Status: Active
Federal Reserve ID: 463605
Date Established: November 12, 1866
WWW: http://www.peoplestrustcompany.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 8844
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 02, 1934
Last Structure Change Effective Date: September 19, 2011
Last Structure Change Process Date: October 27, 2011
Last Data Update: October 27, 2011
Data Source Date: April 05, 2012
Location
Address: 25 Kingman Street, Saint Albans, VT 5478
County: Franklin
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Springfield Ma
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): Burlington-South Burlington, VT (#15540)
CBSA Metro Statistical Area: Burlington-South Burlington, VT (#15540)
Financial Summary
Total assets: $233.0 mil
Equity capital: $31.2 mil
Deposits held in domestic offices: $195.7 mil
Return on assets (ROA): 0.37% ($0.9 mil)
Quarterly return on assets: 0.07% ($0.2 mil)
Return on Equity (ROE): 2.76% ($0.9 mil)
Quarterly return on equity: 0.53% ($0.2 mil)
Net income: $0.8 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.45% ($1,048.7 mil)
Quarterly Pretax return on assets: -0.02% (-$46.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
104Total employees (full-time equivalent)
$233,046Total assets
$31,259Cash and due from depository institutions
$18,923Interest-bearing balances
$41,091Securities
$515Federal funds sold & reverse repurchase agreements
$149,694Net loans & leases
$3,037Loan loss allowance
$0Trading account assets
$7,509Bank premises and fixed assets
$15Other real estate owned
$391Goodwill and other intangibles
$233,046Life insurance assets
$2,572All other assets
$201,887Total liabilities and capital
$195,668Total liabilities
$143,736Total deposits
$195,668Interest-bearing deposits
$93Deposits held in domestic offices
5870.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$349Subordinated debt
$31,159All other liabilities
$31,159Total equity capital
$31,159Total bank equity capital
$0Perpetual preferred stock
$329Common stock
$8,382Surplus
$22,448Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,287Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$12,962Income earned, not collected on loans
$0Earning assets
$798Long-term assets (5+ years)
$210,223Average Assets, year-to-date
$106,787Average Assets, quarterly
$229,723Volatile liabilities
$233,507Insider loans
$135,015FHLB advances
$234,140Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$30,403Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,556Restructured Loans and leases
$919Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,266Total interest income
$1,321Total interest expense
$8,945Net interest income
$1,275Provision for loan and lease losses
$1,830Total noninterest income
$37Fiduciary activities
$358Service charges on deposit accounts
$0Trading account gains & fees
$1,435Additional noninterest income
$8,548Total noninterest expense
$5,094Salaries and employee benefits
$1,303Premises and equipment expense
$2,151Additional noninterest expense
$952Pre-tax net operating income
$73Securities gains (losses)
$181Applicable income taxes
$844Income before extraordinary items
$0Extraordinary gains - net
$844Net income attributable to bank
$0Net charge-offs
$844Cash dividends
$125Sale, conversion, retirement of capital stock, net
$411Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.95%Yield on earning assets
0.64%Cost of funding earning assets
4.31%Net interest margin
0.88%Noninterest income to earning assets
4.12%Noninterest expense to earning assets
0.34%Net operating income to assets
0.37%Return on assets (ROA)
0.45%Pretax return on assets
2.76%Return on equity (ROE)
1.42%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
1020.00%Credit loss provision to net charge-offs
17.82%Efficiency ratio
79,332Assets per employee
2.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.70%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
23.43%Noncurrent assets plus other real estate owned to assets
5.57%Noncurrent loans to loans
8.49%Net loans and leases to deposits
76.50%Net loans and leases to core deposits
78.80%Equity capital to assets
13.37%Core capital (leverage) ratio
12.98%Tier 1 risk-based capital ratio
22.52%Total risk-based capital ratio
Memoranda
$24Average assets
$229,723Average earning assets
$30,529Average equity
$207,602Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$7,968Managed Assets
1Number of Accounts
$5,413Personal trust and agency accounts
$5,413Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
49Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,555Other retirement accounts
$2,191Corporate trust and agency accounts
$0Other fiduciary accounts
$364Fiduciary accounts held in foreign offices

List of branches

6 Vermont Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8844	Peoples Trust Company Of St. Albans	25 Kingman Street, Saint Albans, VT 5478	November 12, 1866	Full Service Brick and Mortar
2	231118	Georgia Branch	Routes 7 And 104a, Saint Albans, VT 5478	November 04, 1985	Full Service Brick and Mortar
3	358640	First Street Branch	123 First Street, Swanton, VT 5488	November 22, 2000	Full Service Brick and Mortar
4	423243	Franklin Park West Branch	Franklin Park, Lot #1, Saint Albans, VT 5478	November 14, 2003	Full Service Brick and Mortar
5	440415	Enosburg Falls Branch	140 Main Street, Enosburg Falls, VT 5450	May 02, 2005	Full Service Brick and Mortar
6	445595	Essex Junction Branch	One Carmichael Street, Essex Junction, VT 5452	November 15, 2005	Full Service Brick and Mortar

Peoples Trust Company of St. Albans in Saint Albans, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Trust Company of St. Albans - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Trust Company of St. Albans in Saint Albans, Vermont (VT)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Trust Company of St. Albans - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Trust Company of St. Albans in Saint Albans, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches