Call reports 2019
ELKTON BANK & TRUST COMPANY — 2019
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 140,060,000 | 141,952,000 | 139,586,000 | 143,685,000 |
| Total loans | 55,766,000 | 57,288,000 | 58,350,000 | 58,580,000 |
| Allowance for loan losses | 604,000 | 591,000 | 585,000 | 594,000 |
| Securities available for sale | 59,940,000 | 58,831,000 | 58,166,000 | 58,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,784,000 | 118,510,000 | 116,052,000 | 120,578,000 |
| Interest-bearing deposits | 86,751,000 | 84,942,000 | 82,774,000 | 86,814,000 |
| Noninterest-bearing deposits | 32,033,000 | 33,568,000 | 33,278,000 | 33,764,000 |
| Equity capital | 17,938,000 | 18,817,000 | 19,129,000 | 18,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,422,000 | 2,835,000 | 4,232,000 | 5,633,000 |
| Interest expense | 155,000 | 331,000 | 525,000 | 720,000 |
| Net interest income | 1,267,000 | 2,504,000 | 3,707,000 | 4,913,000 |
| Noninterest income | 179,000 | 363,000 | 596,000 | 786,000 |
| Noninterest expense | 904,000 | 1,801,000 | 2,688,000 | 3,549,000 |
| Provision for loan losses | 30,000 | 47,000 | 108,000 | 132,000 |
| Pretax income | 510,000 | 1,017,000 | 1,505,000 | 2,021,000 |
| Income tax | 80,000 | 167,000 | 245,000 | 327,000 |
| Net income | 430,000 | 850,000 | 1,260,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,349,000 | 18,419,000 | 18,516,000 | 18,250,000 |
| Total capital | 18,953,000 | 19,010,000 | 19,101,000 | 18,844,000 |
| Risk-weighted assets | 69,473,000 | 71,568,000 | 71,211,000 | 71,445,000 |