Call reports 2008
ELKTON BANK & TRUST COMPANY — 2008
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,720,000 | 108,680,000 | 107,302,000 | 108,448,000 |
| Total loans | 49,179,000 | 49,907,000 | 50,826,000 | 51,192,000 |
| Allowance for loan losses | 546,000 | 450,000 | 510,000 | 518,000 |
| Securities available for sale | 50,991,000 | 49,187,000 | 46,710,000 | 44,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,294,000 | 77,214,000 | 75,095,000 | 76,102,000 |
| Interest-bearing deposits | 59,689,000 | 59,562,000 | 57,975,000 | 59,522,000 |
| Noninterest-bearing deposits | 17,605,000 | 17,652,000 | 17,120,000 | 16,580,000 |
| Equity capital | 13,913,000 | 13,376,000 | 12,592,000 | 13,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,159,000 | 4,730,000 | 6,260,000 |
| Interest expense | 657,000 | 1,259,000 | 1,820,000 | 2,365,000 |
| Net interest income | 927,000 | 1,900,000 | 2,910,000 | 3,895,000 |
| Noninterest income | 170,000 | 334,000 | 492,000 | 645,000 |
| Noninterest expense | 697,000 | 1,401,000 | 2,112,000 | 2,786,000 |
| Provision for loan losses | 18,000 | 36,000 | 111,000 | 129,000 |
| Pretax income | 386,000 | 801,000 | 277,000 | 722,000 |
| Income tax | 42,000 | 97,000 | 142,000 | -164,000 |
| Net income | 344,000 | 704,000 | 135,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,570,000 | 13,549,000 | 13,298,000 | 13,739,000 |
| Total capital | 14,116,000 | 13,999,000 | 13,808,000 | 14,257,000 |
| Risk-weighted assets | 81,505,000 | 88,099,000 | 89,002,000 | 88,580,000 |
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