Call reports 2017
ELKTON BANK & TRUST COMPANY — 2017
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 133,890,000 | 132,789,000 | 130,441,000 | 132,023,000 |
| Total loans | 55,586,000 | 56,005,000 | 56,380,000 | 54,240,000 |
| Allowance for loan losses | 556,000 | 561,000 | 575,000 | 584,000 |
| Securities available for sale | 62,221,000 | 56,015,000 | 58,588,000 | 60,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,233,000 | 107,008,000 | 105,057,000 | 109,467,000 |
| Interest-bearing deposits | 79,885,000 | 79,901,000 | 77,010,000 | 78,858,000 |
| Noninterest-bearing deposits | 28,348,000 | 27,107,000 | 28,047,000 | 30,609,000 |
| Equity capital | 18,036,000 | 18,506,000 | 18,849,000 | 16,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,413,000 | 3,649,000 | 4,884,000 |
| Interest expense | 102,000 | 198,000 | 278,000 | 362,000 |
| Net interest income | 1,084,000 | 2,215,000 | 3,371,000 | 4,522,000 |
| Noninterest income | 171,000 | 338,000 | 513,000 | 686,000 |
| Noninterest expense | 870,000 | 1,708,000 | 2,613,000 | 3,437,000 |
| Provision for loan losses | 43,000 | 123,000 | 146,000 | 164,000 |
| Pretax income | 342,000 | 735,000 | 1,136,000 | 1,649,000 |
| Income tax | 54,000 | 135,000 | 169,000 | 278,000 |
| Net income | 288,000 | 600,000 | 967,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,393,000 | 18,455,000 | 18,822,000 | 16,905,000 |
| Total capital | 18,949,000 | 19,016,000 | 19,397,000 | 17,489,000 |
| Risk-weighted assets | 65,861,000 | 65,877,000 | 65,880,000 | 64,844,000 |