Call reports 2009
ECLIPSE BANK, INC. — 2009
What ECLIPSE BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 97,081,000 | 100,564,000 | 108,576,000 | 114,533,000 |
| Total loans | 77,701,000 | 80,008,000 | 86,828,000 | 87,801,000 |
| Allowance for loan losses | 1,175,000 | 1,097,000 | 1,361,000 | 1,080,000 |
| Securities available for sale | 11,537,000 | 11,222,000 | 10,286,000 | 10,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,306,000 | 84,728,000 | 91,878,000 | 92,537,000 |
| Interest-bearing deposits | 73,840,000 | 79,048,000 | 83,127,000 | 86,001,000 |
| Noninterest-bearing deposits | 8,466,000 | 5,680,000 | 8,751,000 | 6,536,000 |
| Equity capital | 8,642,000 | 8,334,000 | 7,817,000 | 9,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,217,000 | 3,442,000 | 4,735,000 |
| Interest expense | 582,000 | 1,178,000 | 1,779,000 | 2,370,000 |
| Net interest income | 505,000 | 1,039,000 | 1,663,000 | 2,365,000 |
| Noninterest income | 59,000 | 132,000 | 194,000 | 230,000 |
| Noninterest expense | 873,000 | 1,733,000 | 2,616,000 | 3,798,000 |
| Provision for loan losses | 80,000 | 115,000 | 516,000 | 735,000 |
| Pretax income | -389,000 | -677,000 | -1,229,000 | -1,892,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -389,000 | -677,000 | -1,229,000 | -1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,444,000 | 8,161,000 | 7,616,000 | 9,234,000 |
| Total capital | 9,392,000 | 9,155,000 | 8,696,000 | 10,336,000 |
| Risk-weighted assets | 75,647,000 | 79,483,000 | 86,151,000 | 88,236,000 |