Call reports 2025
ELKTON BANK & TRUST COMPANY — 2025
What ELKTON BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 190,913,000 | 191,510,000 | 194,140,000 | 193,044,000 |
| Total loans | 79,300,000 | 81,073,000 | 84,001,000 | 86,122,000 |
| Allowance for loan losses | 794,000 | 811,000 | 840,000 | 821,000 |
| Securities available for sale | 23,039,000 | 22,317,000 | 21,394,000 | 20,055,000 |
| Securities held to maturity | 46,867,000 | 46,838,000 | 46,861,000 | 46,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,934,000 | 162,121,000 | 164,557,000 | 162,600,000 |
| Interest-bearing deposits | 114,671,000 | 117,311,000 | 117,798,000 | 118,895,000 |
| Noninterest-bearing deposits | 47,263,000 | 44,810,000 | 46,759,000 | 43,705,000 |
| Equity capital | 22,196,000 | 22,599,000 | 23,301,000 | 23,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,383,000 | 6,667,000 | 8,969,000 |
| Interest expense | 615,000 | 1,247,000 | 1,895,000 | 2,536,000 |
| Net interest income | 1,557,000 | 3,136,000 | 4,772,000 | 6,433,000 |
| Noninterest income | 299,000 | 490,000 | 702,000 | 937,000 |
| Noninterest expense | 1,122,000 | 2,217,000 | 3,373,000 | 4,496,000 |
| Provision for loan losses | 6,000 | 19,000 | 60,000 | 51,000 |
| Pretax income | 728,000 | 1,390,000 | 2,041,000 | 2,783,000 |
| Income tax | 130,000 | 247,000 | 355,000 | 576,000 |
| Net income | 598,000 | 1,143,000 | 1,686,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,228,000 | 24,473,000 | 24,927,000 | 24,697,000 |
| Total capital | 25,021,000 | 25,284,000 | 25,767,000 | 25,558,000 |
| Risk-weighted assets | 90,370,000 | 91,432,000 | 93,059,000 | 93,472,000 |