Call reports 2023
ELKTON BANK & TRUST COMPANY — 2023
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 180,226,000 | 174,104,000 | 185,401,000 | 187,981,000 |
| Total loans | 61,625,000 | 63,097,000 | 63,621,000 | 68,124,000 |
| Allowance for loan losses | 700,000 | 713,000 | 696,000 | 703,000 |
| Securities available for sale | 40,851,000 | 38,621,000 | 38,840,000 | 36,111,000 |
| Securities held to maturity | 48,096,000 | 48,126,000 | 47,742,000 | 47,773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,320,000 | 150,040,000 | 161,086,000 | 162,267,000 |
| Interest-bearing deposits | 104,203,000 | 99,150,000 | 112,156,000 | 112,838,000 |
| Noninterest-bearing deposits | 53,117,000 | 50,890,000 | 48,930,000 | 49,429,000 |
| Equity capital | 18,850,000 | 18,789,000 | 18,641,000 | 19,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,750,000 | 3,526,000 | 5,383,000 | 7,421,000 |
| Interest expense | 249,000 | 543,000 | 1,085,000 | 1,783,000 |
| Net interest income | 1,501,000 | 2,983,000 | 4,298,000 | 5,638,000 |
| Noninterest income | 198,000 | 409,000 | 581,000 | 795,000 |
| Noninterest expense | 954,000 | 1,904,000 | 3,012,000 | 4,044,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 730,000 | 1,458,000 | 1,751,000 | 2,258,000 |
| Income tax | 150,000 | 294,000 | 339,000 | 437,000 |
| Net income | 580,000 | 1,164,000 | 1,412,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,649,000 | 21,934,000 | 22,182,000 | 22,344,000 |
| Total capital | 22,349,000 | 22,647,000 | 22,879,000 | 23,047,000 |
| Risk-weighted assets | 86,425,000 | 88,237,000 | 91,496,000 | 94,109,000 |