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



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Peoples Trust Company of St. Albans routing number info

Table of contents:
Peoples Trust Company of St. Albans
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)104
Total assets$233,046
Cash and due from depository institutions$31,259
Interest-bearing balances$18,923
Securities$41,091
Federal funds sold & reverse repurchase agreements$515
Net loans & leases$149,694
Loan loss allowance $3,037
Trading account assets$0
Bank premises and fixed assets$7,509
Other real estate owned$15
Goodwill and other intangibles$391
All other assets$2,572
Life insurance assets$233,046
Total liabilities and capital$201,887
Total liabilities$195,668
Total deposits$143,736
Interest-bearing deposits$195,668
Deposits held in domestic offices$93
% insured (estimated)5870.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $349
All other liabilities $31,159
Total equity capital$31,159
Total bank equity capital$31,159
Perpetual preferred stock$0
Common stock$329
Surplus$8,382
Undivided profits $22,448
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,287
Income earned, not collected on loans $12,962
Earning assets $0
Long-term assets (5+ years) $798
Average Assets, year-to-date $210,223
Average Assets, quarterly $106,787
Volatile liabilities $229,723
Insider loans $233,507
FHLB advances $135,015
Loans and leases held for sale $234,140
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $30,403
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,556
Derivatives$919
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,266
Total interest expense $1,321
Net interest income $8,945
Provision for loan and lease losses $1,275
Total noninterest income $1,830
Fiduciary activities $37
Service charges on deposit accounts $358
Trading account gains & fees $0
Additional noninterest income $1,435
Total noninterest expense $8,548
Salaries and employee benefits $5,094
Premises and equipment expense $1,303
Additional noninterest expense $2,151
Pre-tax net operating income $952
Securities gains (losses) $73
Applicable income taxes $181
Income before extraordinary items $844
Extraordinary gains - net $0
Net income attributable to bank $844
Net charge-offs $0
Cash dividends $844
Sale, conversion, retirement of capital stock, net $125
Net operating income $411
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.95%
Cost of funding earning assets 0.64%
Net interest margin 4.31%
Noninterest income to earning assets 0.88%
Noninterest expense to earning assets 4.12%
Net operating income to assets 0.34%
Return on assets (ROA) 0.37%
Pretax return on assets 0.45%
Return on equity (ROE) 2.76%
Retained earnings to average equity (YTD only) 1.42%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 1020.00%
Efficiency ratio17.82%
Assets per employee$79,332
Cash dividends to net income (YTD only)2.24%
Condition Ratios (%)
Loss allowance to loans 48.70%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 23.43%
Noncurrent loans to loans 5.57%
Net loans and leases to deposits8.49%
Net loans and leases to core deposits 76.50%
Equity capital to assets 78.80%
Core capital (leverage) ratio 13.37%
Tier 1 risk-based capital ratio 12.98%
Total risk-based capital ratio 22.52%
Memoranda
Average assets$24
Average earning assets$229,723
Average equity $30,529
Average loans $207,602
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$7,968
Number of Accounts1
Personal trust and agency accounts$5,413
Employee benefit-defined contribution accounts$5,413
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts49
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,555
Corporate trust and agency accounts$2,191
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$364
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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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