Call reports 2007
ECLIPSE BANK, INC. — 2007
What ECLIPSE BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 63,986,000 | 64,536,000 | 69,910,000 | 81,376,000 |
| Total loans | 32,365,000 | 36,772,000 | 35,851,000 | 39,653,000 |
| Allowance for loan losses | 412,000 | 460,000 | 448,000 | 496,000 |
| Securities available for sale | 27,994,000 | 22,489,000 | 25,992,000 | 34,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,441,000 | 51,028,000 | 56,408,000 | 67,759,000 |
| Interest-bearing deposits | 47,294,000 | 47,597,000 | 52,564,000 | 63,777,000 |
| Noninterest-bearing deposits | 3,147,000 | 3,431,000 | 3,844,000 | 3,982,000 |
| Equity capital | 12,807,000 | 12,751,000 | 12,618,000 | 12,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 991,000 | 2,066,000 | 3,183,000 | 4,426,000 |
| Interest expense | 533,000 | 1,120,000 | 1,743,000 | 2,485,000 |
| Net interest income | 458,000 | 946,000 | 1,440,000 | 1,941,000 |
| Noninterest income | 27,000 | 51,000 | 72,000 | 102,000 |
| Noninterest expense | 484,000 | 1,003,000 | 1,666,000 | 2,515,000 |
| Provision for loan losses | 22,000 | 70,000 | 58,000 | 106,000 |
| Pretax income | -21,000 | -76,000 | -212,000 | -578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -21,000 | -76,000 | -212,000 | -578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,807,000 | 12,751,000 | 12,618,000 | 12,249,000 |
| Total capital | 13,219,000 | 13,211,000 | 13,066,000 | 12,745,000 |
| Risk-weighted assets | 38,936,000 | 42,723,000 | 43,865,000 | 49,331,000 |
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