Call reports 2011
ELKTON BANK & TRUST COMPANY — 2011
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 122,101,000 | 124,508,000 | 125,675,000 | 124,374,000 |
| Total loans | 52,124,000 | 54,448,000 | 54,882,000 | 55,345,000 |
| Allowance for loan losses | 601,000 | 621,000 | 627,000 | 648,000 |
| Securities available for sale | 52,468,000 | 55,232,000 | 54,101,000 | 52,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,691,000 | 91,085,000 | 91,540,000 | 90,186,000 |
| Interest-bearing deposits | 70,848,000 | 72,395,000 | 71,843,000 | 71,232,000 |
| Noninterest-bearing deposits | 18,843,000 | 18,690,000 | 19,697,000 | 18,954,000 |
| Equity capital | 16,264,000 | 16,676,000 | 17,402,000 | 16,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,769,000 | 4,186,000 | 5,590,000 |
| Interest expense | 303,000 | 604,000 | 898,000 | 1,182,000 |
| Net interest income | 1,047,000 | 2,165,000 | 3,288,000 | 4,408,000 |
| Noninterest income | 167,000 | 353,000 | 541,000 | 737,000 |
| Noninterest expense | 763,000 | 1,525,000 | 2,278,000 | 3,066,000 |
| Provision for loan losses | 23,000 | 66,000 | 114,000 | 169,000 |
| Pretax income | 430,000 | 953,000 | 1,470,000 | 1,961,000 |
| Income tax | 52,000 | 145,000 | 227,000 | 311,000 |
| Net income | 378,000 | 808,000 | 1,243,000 | 1,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,515,000 | 15,600,000 | 16,034,000 | 15,691,000 |
| Total capital | 16,116,000 | 16,232,000 | 16,661,000 | 16,339,000 |
| Risk-weighted assets | 103,240,000 | 107,514,000 | 106,864,000 | 106,339,000 |