Call reports 2024
ELKTON BANK & TRUST COMPANY — 2024
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 188,607,000 | 193,284,000 | 188,032,000 | 187,350,000 |
| Total loans | 68,705,000 | 73,530,000 | 78,158,000 | 78,520,000 |
| Allowance for loan losses | 716,000 | 741,000 | 784,000 | 785,000 |
| Securities available for sale | 35,369,000 | 32,493,000 | 30,419,000 | 25,667,000 |
| Securities held to maturity | 47,797,000 | 47,829,000 | 46,849,000 | 46,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,126,000 | 167,061,000 | 160,406,000 | 159,496,000 |
| Interest-bearing deposits | 115,505,000 | 120,144,000 | 114,609,000 | 114,017,000 |
| Noninterest-bearing deposits | 46,621,000 | 46,917,000 | 45,797,000 | 45,479,000 |
| Equity capital | 19,995,000 | 20,214,000 | 21,434,000 | 21,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,056,000 | 4,225,000 | 6,454,000 | 8,642,000 |
| Interest expense | 731,000 | 1,496,000 | 2,188,000 | 2,823,000 |
| Net interest income | 1,325,000 | 2,729,000 | 4,266,000 | 5,819,000 |
| Noninterest income | 171,000 | 352,000 | 676,000 | 898,000 |
| Noninterest expense | 1,098,000 | 2,149,000 | 3,212,000 | 4,203,000 |
| Provision for loan losses | 15,000 | 50,000 | 95,000 | 160,000 |
| Pretax income | 383,000 | 882,000 | 1,635,000 | 2,354,000 |
| Income tax | 68,000 | 163,000 | 312,000 | 442,000 |
| Net income | 315,000 | 719,000 | 1,323,000 | 1,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,659,000 | 22,738,000 | 23,341,000 | 23,630,000 |
| Total capital | 23,375,000 | 23,478,000 | 24,125,000 | 24,414,000 |
| Risk-weighted assets | 91,141,000 | 96,732,000 | 95,224,000 | 91,905,000 |