Call reports 2004
ELKTON BANK & TRUST COMPANY — 2004
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,265,000 | 101,625,000 | 102,839,000 | 102,944,000 |
| Total loans | 47,477,000 | 49,210,000 | 50,872,000 | 51,984,000 |
| Allowance for loan losses | 479,000 | 492,000 | 510,000 | 527,000 |
| Securities available for sale | 40,001,000 | 44,769,000 | 45,313,000 | 44,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,451,000 | 71,423,000 | 70,776,000 | 71,290,000 |
| Interest-bearing deposits | 56,472,000 | 56,997,000 | 56,032,000 | 56,035,000 |
| Noninterest-bearing deposits | 14,979,000 | 14,426,000 | 14,744,000 | 15,255,000 |
| Equity capital | 12,755,000 | 12,221,000 | 13,050,000 | 12,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,385,000 | 3,719,000 | 5,050,000 |
| Interest expense | 271,000 | 562,000 | 892,000 | 1,232,000 |
| Net interest income | 890,000 | 1,823,000 | 2,827,000 | 3,818,000 |
| Noninterest income | 122,000 | 260,000 | 395,000 | 547,000 |
| Noninterest expense | 620,000 | 1,247,000 | 1,844,000 | 2,433,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 404,000 | 844,000 | 1,368,000 | 1,904,000 |
| Income tax | 76,000 | 166,000 | 280,000 | 393,000 |
| Net income | 328,000 | 678,000 | 1,088,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,880,000 | 11,880,000 | 12,290,000 | 12,013,000 |
| Total capital | 12,359,000 | 12,372,000 | 12,800,000 | 12,540,000 |
| Risk-weighted assets | 66,989,000 | 70,617,000 | 72,639,000 | 73,816,000 |
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