Call reports 2013
ELKTON BANK & TRUST COMPANY — 2013
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 136,358,000 | 128,222,000 | 127,205,000 | 125,493,000 |
| Total loans | 50,379,000 | 52,926,000 | 54,129,000 | 54,195,000 |
| Allowance for loan losses | 519,000 | 537,000 | 550,000 | 545,000 |
| Securities available for sale | 56,023,000 | 57,340,000 | 53,143,000 | 52,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,685,000 | 102,369,000 | 101,591,000 | 99,642,000 |
| Interest-bearing deposits | 83,120,000 | 80,174,000 | 78,204,000 | 77,899,000 |
| Noninterest-bearing deposits | 25,565,000 | 22,195,000 | 23,387,000 | 21,743,000 |
| Equity capital | 17,658,000 | 17,241,000 | 17,176,000 | 16,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,426,000 | 3,669,000 | 4,919,000 |
| Interest expense | 194,000 | 370,000 | 509,000 | 675,000 |
| Net interest income | 990,000 | 2,056,000 | 3,160,000 | 4,244,000 |
| Noninterest income | 176,000 | 353,000 | 537,000 | 716,000 |
| Noninterest expense | 842,000 | 1,699,000 | 2,542,000 | 3,363,000 |
| Provision for loan losses | 113,000 | 146,000 | 164,000 | 207,000 |
| Pretax income | 209,000 | 561,000 | 991,000 | 1,385,000 |
| Income tax | -179,000 | -149,000 | -108,000 | -19,000 |
| Net income | 388,000 | 710,000 | 1,099,000 | 1,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,754,000 | 16,775,000 | 17,165,000 | 17,071,000 |
| Total capital | 17,273,000 | 17,312,000 | 17,715,000 | 17,616,000 |
| Risk-weighted assets | 107,949,000 | 103,177,000 | 101,456,000 | 103,329,000 |