Call reports 2022
ELKTON BANK & TRUST COMPANY — 2022
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 178,436,000 | 174,154,000 | 187,735,000 | 188,112,000 |
| Total loans | 57,776,000 | 58,586,000 | 59,007,000 | 59,143,000 |
| Allowance for loan losses | 653,000 | 663,000 | 679,000 | 680,000 |
| Securities available for sale | 39,629,000 | 35,407,000 | 37,007,000 | 37,125,000 |
| Securities held to maturity | 46,048,000 | 46,079,000 | 46,614,000 | 47,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,605,000 | 151,703,000 | 165,173,000 | 164,267,000 |
| Interest-bearing deposits | 101,005,000 | 100,561,000 | 114,146,000 | 114,358,000 |
| Noninterest-bearing deposits | 54,600,000 | 51,142,000 | 51,027,000 | 49,909,000 |
| Equity capital | 18,019,000 | 17,463,000 | 16,985,000 | 17,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,608,000 | 4,057,000 | 5,744,000 |
| Interest expense | 60,000 | 122,000 | 220,000 | 421,000 |
| Net interest income | 1,219,000 | 2,486,000 | 3,837,000 | 5,323,000 |
| Noninterest income | 178,000 | 382,000 | 589,000 | 789,000 |
| Noninterest expense | 907,000 | 1,844,000 | 2,796,000 | 3,729,000 |
| Provision for loan losses | 17,000 | 35,000 | 54,000 | 72,000 |
| Pretax income | 473,000 | 989,000 | 1,576,000 | 2,311,000 |
| Income tax | 83,000 | 188,000 | 306,000 | 439,000 |
| Net income | 390,000 | 801,000 | 1,270,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,241,000 | 20,299,000 | 20,767,000 | 21,069,000 |
| Total capital | 20,894,000 | 20,962,000 | 21,447,000 | 21,749,000 |
| Risk-weighted assets | 86,566,000 | 86,437,000 | 100,395,000 | 85,131,000 |