Call reports 2020
ELKTON BANK & TRUST COMPANY — 2020
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 146,697,000 | 153,936,000 | 151,557,000 | 155,834,000 |
| Total loans | 55,728,000 | 57,447,000 | 57,598,000 | 55,718,000 |
| Allowance for loan losses | 610,000 | 604,000 | 591,000 | 580,000 |
| Securities available for sale | 64,699,000 | 66,148,000 | 70,708,000 | 76,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,146,000 | 127,998,000 | 125,147,000 | 129,117,000 |
| Interest-bearing deposits | 88,841,000 | 90,179,000 | 88,485,000 | 90,504,000 |
| Noninterest-bearing deposits | 35,305,000 | 37,819,000 | 36,662,000 | 38,613,000 |
| Equity capital | 18,923,000 | 20,284,000 | 20,982,000 | 20,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,656,000 | 3,915,000 | 5,180,000 |
| Interest expense | 184,000 | 336,000 | 466,000 | 564,000 |
| Net interest income | 1,190,000 | 2,320,000 | 3,449,000 | 4,616,000 |
| Noninterest income | 173,000 | 412,000 | 602,000 | 764,000 |
| Noninterest expense | 911,000 | 1,800,000 | 2,691,000 | 3,575,000 |
| Provision for loan losses | 18,000 | 136,000 | 154,000 | 238,000 |
| Pretax income | 434,000 | 890,000 | 1,300,000 | 1,714,000 |
| Income tax | 66,000 | 141,000 | 191,000 | 249,000 |
| Net income | 368,000 | 749,000 | 1,109,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,619,000 | 18,699,000 | 19,059,000 | 19,066,000 |
| Total capital | 19,229,000 | 19,303,000 | 19,650,000 | 19,646,000 |
| Risk-weighted assets | 69,631,000 | 75,159,000 | 75,439,000 | 75,112,000 |