Call reports 2007
ELKTON BANK & TRUST COMPANY — 2007
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,555,000 | 102,842,000 | 103,079,000 | 106,099,000 |
| Total loans | 50,571,000 | 52,247,000 | 52,036,000 | 53,371,000 |
| Allowance for loan losses | 537,000 | 555,000 | 572,000 | 543,000 |
| Securities available for sale | 46,256,000 | 43,599,000 | 40,212,000 | 44,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,988,000 | 72,268,000 | 73,112,000 | 73,806,000 |
| Interest-bearing deposits | 57,872,000 | 57,342,000 | 57,819,000 | 57,313,000 |
| Noninterest-bearing deposits | 16,116,000 | 14,926,000 | 15,293,000 | 16,493,000 |
| Equity capital | 13,220,000 | 12,632,000 | 13,331,000 | 13,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,660,000 | 3,282,000 | 4,945,000 | 6,606,000 |
| Interest expense | 701,000 | 1,374,000 | 2,079,000 | 2,775,000 |
| Net interest income | 959,000 | 1,908,000 | 2,866,000 | 3,831,000 |
| Noninterest income | 146,000 | 298,000 | 473,000 | 632,000 |
| Noninterest expense | 651,000 | 1,321,000 | 2,010,000 | 2,659,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 54,000 |
| Pretax income | 436,000 | 851,000 | 1,278,000 | 1,753,000 |
| Income tax | 63,000 | 125,000 | 193,000 | 252,000 |
| Net income | 373,000 | 726,000 | 1,085,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,137,000 | 12,990,000 | 13,348,000 | 13,253,000 |
| Total capital | 13,674,000 | 13,545,000 | 13,920,000 | 13,796,000 |
| Risk-weighted assets | 76,088,000 | 78,756,000 | 79,550,000 | 84,395,000 |
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