Call reports 2015
ELKTON BANK & TRUST COMPANY — 2015
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 130,691,000 | 129,442,000 | 129,937,000 | 132,876,000 |
| Total loans | 54,919,000 | 56,936,000 | 57,239,000 | 56,785,000 |
| Allowance for loan losses | 729,000 | 789,000 | 439,000 | 504,000 |
| Securities available for sale | 54,948,000 | 54,413,000 | 54,663,000 | 51,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,662,000 | 103,527,000 | 103,458,000 | 105,769,000 |
| Interest-bearing deposits | 79,599,000 | 78,232,000 | 78,433,000 | 78,131,000 |
| Noninterest-bearing deposits | 25,063,000 | 25,295,000 | 25,025,000 | 27,638,000 |
| Equity capital | 18,045,000 | 18,006,000 | 18,360,000 | 18,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,398,000 | 3,640,000 | 4,868,000 |
| Interest expense | 125,000 | 249,000 | 372,000 | 494,000 |
| Net interest income | 1,086,000 | 2,149,000 | 3,268,000 | 4,374,000 |
| Noninterest income | 156,000 | 329,000 | 513,000 | 681,000 |
| Noninterest expense | 895,000 | 1,768,000 | 2,651,000 | 3,499,000 |
| Provision for loan losses | 56,000 | 149,000 | 352,000 | 455,000 |
| Pretax income | 289,000 | 557,000 | 818,000 | 1,485,000 |
| Income tax | 27,000 | 59,000 | 76,000 | 118,000 |
| Net income | 262,000 | 498,000 | 742,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,638,000 | 17,875,000 | 18,119,000 | 17,994,000 |
| Total capital | 18,367,000 | 18,664,000 | 18,558,000 | 18,498,000 |
| Risk-weighted assets | 63,197,000 | 67,224,000 | 67,865,000 | 66,868,000 |