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


  • Peoples Trust Company of St. Albans in Saint Albans, Vermont (VT)
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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
  • NoIDNameAddressEstablishedService TypeMap
    08844Peoples Trust Company Of St. Albans25 Kingman Street, Saint Albans, VT 5478November 12, 1866Full Service Brick and Mortar
    2231118Georgia BranchRoutes 7 And 104a, Saint Albans, VT 5478November 04, 1985Full Service Brick and Mortar
    3358640First Street Branch123 First Street, Swanton, VT 5488November 22, 2000Full Service Brick and Mortar
    4423243Franklin Park West BranchFranklin Park, Lot #1, Saint Albans, VT 5478November 14, 2003Full Service Brick and Mortar
    5440415Enosburg Falls Branch140 Main Street, Enosburg Falls, VT 5450May 02, 2005Full Service Brick and Mortar
    6445595Essex Junction BranchOne Carmichael Street, Essex Junction, VT 5452November 15, 2005Full Service Brick and Mortar

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