Call reports 2003
ELKTON BANK & TRUST COMPANY — 2003
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,492,000 | 98,575,000 | 90,875,000 | 92,215,000 |
| Total loans | 46,101,000 | 46,912,000 | 49,777,000 | 50,306,000 |
| Allowance for loan losses | 497,000 | 491,000 | 495,000 | 506,000 |
| Securities available for sale | 42,102,000 | 44,353,000 | 32,804,000 | 35,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,830,000 | 75,157,000 | 68,332,000 | 69,603,000 |
| Interest-bearing deposits | 60,477,000 | 62,286,000 | 55,320,000 | 55,430,000 |
| Noninterest-bearing deposits | 13,353,000 | 12,871,000 | 13,012,000 | 14,173,000 |
| Equity capital | 12,118,000 | 12,426,000 | 12,460,000 | 12,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,518,000 | 3,741,000 | 4,944,000 |
| Interest expense | 409,000 | 809,000 | 1,118,000 | 1,410,000 |
| Net interest income | 852,000 | 1,709,000 | 2,623,000 | 3,534,000 |
| Noninterest income | 118,000 | 260,000 | 391,000 | 513,000 |
| Noninterest expense | 603,000 | 1,172,000 | 1,744,000 | 2,308,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 351,000 | 773,000 | 1,241,000 | 1,708,000 |
| Income tax | 56,000 | 133,000 | 229,000 | 317,000 |
| Net income | 295,000 | 640,000 | 1,012,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,206,000 | 11,301,000 | 11,673,000 | 11,552,000 |
| Total capital | 11,703,000 | 11,792,000 | 12,168,000 | 12,058,000 |
| Risk-weighted assets | 66,286,000 | 67,897,000 | 68,286,000 | 69,627,000 |
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