Call reports 2021
ELKTON BANK & TRUST COMPANY — 2021
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 164,176,000 | 165,577,000 | 165,224,000 | 168,980,000 |
| Total loans | 56,410,000 | 54,471,000 | 55,610,000 | 57,264,000 |
| Allowance for loan losses | 584,000 | 600,000 | 621,000 | 620,000 |
| Securities available for sale | 80,573,000 | 82,854,000 | 87,774,000 | 89,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,831,000 | 139,459,000 | 139,085,000 | 142,561,000 |
| Interest-bearing deposits | 94,645,000 | 96,185,000 | 95,641,000 | 95,840,000 |
| Noninterest-bearing deposits | 44,186,000 | 43,274,000 | 43,444,000 | 46,721,000 |
| Equity capital | 20,195,000 | 20,749,000 | 20,955,000 | 20,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,193,000 | 2,399,000 | 3,628,000 | 4,921,000 |
| Interest expense | 80,000 | 155,000 | 222,000 | 285,000 |
| Net interest income | 1,113,000 | 2,244,000 | 3,406,000 | 4,636,000 |
| Noninterest income | 358,000 | 684,000 | 865,000 | 1,050,000 |
| Noninterest expense | 960,000 | 1,872,000 | 2,806,000 | 3,686,000 |
| Provision for loan losses | 27,000 | 45,000 | 63,000 | 82,000 |
| Pretax income | 484,000 | 1,011,000 | 1,402,000 | 1,918,000 |
| Income tax | 91,000 | 165,000 | 239,000 | 333,000 |
| Net income | 393,000 | 846,000 | 1,163,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,459,000 | 19,612,000 | 19,929,000 | 19,851,000 |
| Total capital | 20,043,000 | 20,212,000 | 20,550,000 | 20,471,000 |
| Risk-weighted assets | 77,720,000 | 78,436,000 | 79,947,000 | 83,377,000 |