Call reports 2006
ELKTON BANK & TRUST COMPANY — 2006
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,493,000 | 99,388,000 | 100,701,000 | 104,407,000 |
| Total loans | 49,914,000 | 51,633,000 | 52,219,000 | 53,979,000 |
| Allowance for loan losses | 542,000 | 541,000 | 515,000 | 542,000 |
| Securities available for sale | 45,255,000 | 41,351,000 | 41,373,000 | 43,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,597,000 | 69,094,000 | 70,525,000 | 71,599,000 |
| Interest-bearing deposits | 54,294,000 | 54,245,000 | 54,991,000 | 56,770,000 |
| Noninterest-bearing deposits | 16,303,000 | 14,849,000 | 15,534,000 | 14,829,000 |
| Equity capital | 12,813,000 | 12,544,000 | 13,210,000 | 12,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,431,000 | 2,937,000 | 4,473,000 | 6,090,000 |
| Interest expense | 516,000 | 1,063,000 | 1,670,000 | 2,316,000 |
| Net interest income | 915,000 | 1,874,000 | 2,803,000 | 3,774,000 |
| Noninterest income | 175,000 | 343,000 | 502,000 | 661,000 |
| Noninterest expense | 640,000 | 1,309,000 | 1,932,000 | 2,566,000 |
| Provision for loan losses | 18,000 | 24,000 | 42,000 | 67,000 |
| Pretax income | 432,000 | 884,000 | 1,331,000 | 1,802,000 |
| Income tax | 73,000 | 155,000 | 225,000 | 288,000 |
| Net income | 359,000 | 729,000 | 1,106,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,809,000 | 12,779,000 | 13,156,000 | 12,763,000 |
| Total capital | 13,351,000 | 13,320,000 | 13,671,000 | 13,305,000 |
| Risk-weighted assets | 73,508,000 | 74,940,000 | 75,628,000 | 78,608,000 |
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