Peoples Trust Company of St. Albans
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 11.1. A current level of 3.7 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Home mtgs (27%), comm re (18%), securities (15%), home eq lns (5%), comm loans (3%), consumer loans (2%), cash (2%), other (28%)
States with Branches:
VT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
25 Kingman Street
Saint Albans, VT 05478
Saint Albans, VT 05478
Phone Number
(802) 524-2196
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.