Call reports 2016
ELKTON BANK & TRUST COMPANY — 2016
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,486,000 | 137,592,000 | 136,168,000 | 133,346,000 |
| Total loans | 54,411,000 | 55,868,000 | 55,608,000 | 56,634,000 |
| Allowance for loan losses | 547,000 | 561,000 | 557,000 | 568,000 |
| Securities available for sale | 55,445,000 | 56,054,000 | 54,493,000 | 51,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,823,000 | 110,192,000 | 108,312,000 | 106,860,000 |
| Interest-bearing deposits | 83,127,000 | 85,284,000 | 81,745,000 | 80,080,000 |
| Noninterest-bearing deposits | 26,696,000 | 24,908,000 | 26,567,000 | 26,780,000 |
| Equity capital | 18,595,000 | 19,083,000 | 19,133,000 | 17,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,190,000 | 2,412,000 | 3,622,000 | 4,804,000 |
| Interest expense | 122,000 | 247,000 | 373,000 | 491,000 |
| Net interest income | 1,068,000 | 2,165,000 | 3,249,000 | 4,313,000 |
| Noninterest income | 155,000 | 344,000 | 522,000 | 676,000 |
| Noninterest expense | 863,000 | 1,719,000 | 2,588,000 | 3,359,000 |
| Provision for loan losses | 98,000 | 201,000 | 324,000 | 368,000 |
| Pretax income | 277,000 | 605,000 | 898,000 | 1,334,000 |
| Income tax | 23,000 | 67,000 | 6,000 | 74,000 |
| Net income | 254,000 | 538,000 | 892,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,248,000 | 18,532,000 | 18,687,000 | 18,105,000 |
| Total capital | 18,795,000 | 19,093,000 | 19,244,000 | 18,673,000 |
| Risk-weighted assets | 65,991,000 | 67,777,000 | 65,400,000 | 65,481,000 |