Call reports 2005
ELKTON BANK & TRUST COMPANY — 2005
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,942,000 | 101,983,000 | 102,635,000 | 102,710,000 |
| Total loans | 48,618,000 | 51,716,000 | 51,437,000 | 52,072,000 |
| Allowance for loan losses | 523,000 | 536,000 | 552,000 | 539,000 |
| Securities available for sale | 48,301,000 | 44,033,000 | 43,258,000 | 43,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,617,000 | 68,698,000 | 68,622,000 | 69,252,000 |
| Interest-bearing deposits | 55,338,000 | 54,372,000 | 53,877,000 | 54,520,000 |
| Noninterest-bearing deposits | 16,279,000 | 14,326,000 | 14,745,000 | 14,732,000 |
| Equity capital | 12,711,000 | 12,806,000 | 13,051,000 | 12,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,316,000 | 2,684,000 | 4,080,000 | 5,502,000 |
| Interest expense | 355,000 | 743,000 | 1,181,000 | 1,675,000 |
| Net interest income | 961,000 | 1,941,000 | 2,899,000 | 3,827,000 |
| Noninterest income | 126,000 | 268,000 | 410,000 | 585,000 |
| Noninterest expense | 628,000 | 1,237,000 | 1,868,000 | 2,481,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 445,000 | 950,000 | 1,403,000 | 1,875,000 |
| Income tax | 81,000 | 180,000 | 257,000 | 338,000 |
| Net income | 364,000 | 770,000 | 1,146,000 | 1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,377,000 | 12,383,000 | 12,759,000 | 12,450,000 |
| Total capital | 12,900,000 | 12,919,000 | 13,311,000 | 12,989,000 |
| Risk-weighted assets | 72,093,000 | 74,892,000 | 75,283,000 | 76,125,000 |
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