Call reports 2010
ELKTON BANK & TRUST COMPANY — 2010
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 116,692,000 | 117,290,000 | 119,580,000 | 119,050,000 |
| Total loans | 51,499,000 | 53,770,000 | 54,947,000 | 55,777,000 |
| Allowance for loan losses | 523,000 | 537,000 | 534,000 | 586,000 |
| Securities available for sale | 46,327,000 | 44,300,000 | 50,263,000 | 50,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,011,000 | 85,088,000 | 86,605,000 | 85,434,000 |
| Interest-bearing deposits | 66,737,000 | 68,405,000 | 68,298,000 | 68,212,000 |
| Noninterest-bearing deposits | 17,274,000 | 16,683,000 | 18,307,000 | 17,222,000 |
| Equity capital | 15,785,000 | 15,710,000 | 16,565,000 | 15,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,736,000 | 4,149,000 | 5,572,000 |
| Interest expense | 353,000 | 701,000 | 1,035,000 | 1,362,000 |
| Net interest income | 1,013,000 | 2,035,000 | 3,114,000 | 4,210,000 |
| Noninterest income | 138,000 | 292,000 | 474,000 | 640,000 |
| Noninterest expense | 734,000 | 1,466,000 | 2,203,000 | 2,942,000 |
| Provision for loan losses | 28,000 | 46,000 | 112,000 | 165,000 |
| Pretax income | 389,000 | 815,000 | 1,279,000 | 1,754,000 |
| Income tax | 42,000 | 105,000 | 170,000 | 228,000 |
| Net income | 347,000 | 710,000 | 1,109,000 | 1,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,935,000 | 14,973,000 | 15,370,000 | 15,094,000 |
| Total capital | 15,458,000 | 15,510,000 | 15,904,000 | 15,680,000 |
| Risk-weighted assets | 95,059,000 | 97,712,000 | 101,282,000 | 103,677,000 |
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