Call reports 2012
ELKTON BANK & TRUST COMPANY — 2012
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 132,555,000 | 132,191,000 | 130,020,000 | 126,976,000 |
| Total loans | 53,139,000 | 54,417,000 | 54,503,000 | 53,120,000 |
| Allowance for loan losses | 635,000 | 634,000 | 441,000 | 532,000 |
| Securities available for sale | 55,949,000 | 56,530,000 | 52,805,000 | 50,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,981,000 | 99,682,000 | 97,544,000 | 98,363,000 |
| Interest-bearing deposits | 76,104,000 | 77,982,000 | 77,492,000 | 77,393,000 |
| Noninterest-bearing deposits | 22,877,000 | 21,700,000 | 20,052,000 | 20,970,000 |
| Equity capital | 17,205,000 | 17,490,000 | 17,698,000 | 17,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,700,000 | 4,007,000 | 5,271,000 |
| Interest expense | 265,000 | 514,000 | 752,000 | 969,000 |
| Net interest income | 1,081,000 | 2,186,000 | 3,255,000 | 4,302,000 |
| Noninterest income | 185,000 | 385,000 | 580,000 | 772,000 |
| Noninterest expense | 781,000 | 1,615,000 | 2,422,000 | 3,238,000 |
| Provision for loan losses | 19,000 | 57,000 | 150,000 | 268,000 |
| Pretax income | 464,000 | 730,000 | 1,211,000 | 1,575,000 |
| Income tax | 66,000 | 61,000 | 151,000 | 151,000 |
| Net income | 398,000 | 669,000 | 1,060,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,090,000 | 16,111,000 | 16,501,000 | 16,366,000 |
| Total capital | 16,725,000 | 16,745,000 | 16,942,000 | 16,898,000 |
| Risk-weighted assets | 108,517,000 | 108,030,000 | 107,370,000 | 109,019,000 |