Call reports 2009
ELKTON BANK & TRUST COMPANY — 2009
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,474,000 | 109,663,000 | 111,837,000 | 115,204,000 |
| Total loans | 48,799,000 | 51,818,000 | 53,924,000 | 55,533,000 |
| Allowance for loan losses | 538,000 | 564,000 | 605,000 | 627,000 |
| Securities available for sale | 50,814,000 | 49,179,000 | 47,725,000 | 45,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,015,000 | 76,975,000 | 78,763,000 | 81,936,000 |
| Interest-bearing deposits | 61,380,000 | 60,910,000 | 62,647,000 | 64,399,000 |
| Noninterest-bearing deposits | 17,635,000 | 16,065,000 | 16,116,000 | 17,537,000 |
| Equity capital | 13,806,000 | 14,420,000 | 15,589,000 | 15,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,866,000 | 4,310,000 | 5,744,000 |
| Interest expense | 474,000 | 907,000 | 1,305,000 | 1,687,000 |
| Net interest income | 952,000 | 1,959,000 | 3,005,000 | 4,057,000 |
| Noninterest income | 150,000 | 308,000 | 471,000 | 616,000 |
| Noninterest expense | 714,000 | 1,472,000 | 2,193,000 | 2,925,000 |
| Provision for loan losses | 18,000 | 101,000 | 149,000 | 201,000 |
| Pretax income | 374,000 | 707,000 | 1,147,000 | 1,560,000 |
| Income tax | 28,000 | 51,000 | 99,000 | 149,000 |
| Net income | 346,000 | 656,000 | 1,048,000 | 1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,051,000 | 14,361,000 | 14,753,000 | 14,579,000 |
| Total capital | 14,589,000 | 14,925,000 | 15,358,000 | 15,206,000 |
| Risk-weighted assets | 91,428,000 | 93,146,000 | 93,781,000 | 96,314,000 |
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