Call reports 2014
ELKTON BANK & TRUST COMPANY — 2014
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 135,039,000 | 133,387,000 | 130,977,000 | 130,081,000 |
| Total loans | 53,190,000 | 55,580,000 | 56,719,000 | 56,761,000 |
| Allowance for loan losses | 544,000 | 575,000 | 711,000 | 675,000 |
| Securities available for sale | 60,027,000 | 60,385,000 | 56,143,000 | 54,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,223,000 | 107,970,000 | 104,940,000 | 103,551,000 |
| Interest-bearing deposits | 82,786,000 | 80,061,000 | 79,246,000 | 80,432,000 |
| Noninterest-bearing deposits | 27,437,000 | 27,909,000 | 25,694,000 | 23,119,000 |
| Equity capital | 17,422,000 | 17,655,000 | 18,049,000 | 17,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,523,000 | 3,812,000 | 5,070,000 |
| Interest expense | 136,000 | 270,000 | 401,000 | 533,000 |
| Net interest income | 1,091,000 | 2,253,000 | 3,411,000 | 4,537,000 |
| Noninterest income | 160,000 | 343,000 | 517,000 | 678,000 |
| Noninterest expense | 831,000 | 1,658,000 | 2,515,000 | 3,332,000 |
| Provision for loan losses | 33,000 | 71,000 | 220,000 | 238,000 |
| Pretax income | 382,000 | 859,000 | 1,186,000 | 1,636,000 |
| Income tax | 55,000 | 152,000 | 42,000 | 120,000 |
| Net income | 327,000 | 707,000 | 1,144,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,398,000 | 17,427,000 | 17,854,000 | 17,377,000 |
| Total capital | 17,942,000 | 18,002,000 | 18,565,000 | 18,052,000 |
| Risk-weighted assets | 105,584,000 | 102,215,000 | 99,273,000 | 100,817,000 |
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