Call reports 2008
ECLIPSE BANK, INC. — 2008
What ECLIPSE BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 86,589,000 | 83,379,000 | 88,577,000 | 93,216,000 |
| Total loans | 49,562,000 | 59,155,000 | 62,534,000 | 72,945,000 |
| Allowance for loan losses | 1,136,000 | 1,755,000 | 1,233,000 | 1,126,000 |
| Securities available for sale | 27,926,000 | 14,897,000 | 12,764,000 | 10,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,433,000 | 69,303,000 | 75,754,000 | 78,143,000 |
| Interest-bearing deposits | 67,522,000 | 62,689,000 | 70,115,000 | 66,498,000 |
| Noninterest-bearing deposits | 3,911,000 | 6,614,000 | 5,639,000 | 11,645,000 |
| Equity capital | 11,388,000 | 10,095,000 | 9,288,000 | 9,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,305,000 | 3,411,000 | 4,572,000 |
| Interest expense | 733,000 | 1,423,000 | 2,126,000 | 2,785,000 |
| Net interest income | 451,000 | 882,000 | 1,285,000 | 1,787,000 |
| Noninterest income | 25,000 | 61,000 | 125,000 | 197,000 |
| Noninterest expense | 861,000 | 1,726,000 | 2,925,000 | 3,708,000 |
| Provision for loan losses | 714,000 | 1,333,000 | 1,522,000 | 1,743,000 |
| Pretax income | -1,099,000 | -2,102,000 | -3,023,000 | -3,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,099,000 | -2,102,000 | -3,023,000 | -3,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,162,000 | 10,165,000 | 9,250,000 | 8,827,000 |
| Total capital | 11,842,000 | 10,938,000 | 10,111,000 | 9,730,000 |
| Risk-weighted assets | 53,945,000 | 60,880,000 | 68,724,000 | 72,076,000 |
Machine access — free, no API key
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