Call reports 2010
ECLIPSE BANK, INC. — 2010
What ECLIPSE BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 120,018,000 | 122,483,000 | 131,268,000 | 133,326,000 |
| Total loans | 92,286,000 | 95,556,000 | 95,412,000 | 94,223,000 |
| Allowance for loan losses | 1,219,000 | 1,308,000 | 1,313,000 | 1,354,000 |
| Securities available for sale | 11,464,000 | 11,600,000 | 21,476,000 | 24,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,244,000 | 102,394,000 | 111,206,000 | 109,765,000 |
| Interest-bearing deposits | 87,500,000 | 94,614,000 | 101,597,000 | 99,640,000 |
| Noninterest-bearing deposits | 6,744,000 | 7,780,000 | 9,609,000 | 10,125,000 |
| Equity capital | 10,706,000 | 10,958,000 | 11,050,000 | 13,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,804,000 | 4,290,000 | 5,835,000 |
| Interest expense | 571,000 | 1,050,000 | 1,544,000 | 2,036,000 |
| Net interest income | 764,000 | 1,754,000 | 2,746,000 | 3,799,000 |
| Noninterest income | 40,000 | 82,000 | 222,000 | 288,000 |
| Noninterest expense | 979,000 | 1,907,000 | 2,897,000 | 3,828,000 |
| Provision for loan losses | 139,000 | 230,000 | 235,000 | 275,000 |
| Pretax income | -148,000 | -135,000 | 2,000 | 166,000 |
| Income tax | 0 | 0 | 0 | -2,609,000 |
| Net income | -148,000 | -135,000 | 2,000 | 2,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,782,000 | 10,876,000 | 11,021,000 | 12,127,000 |
| Total capital | 11,923,000 | 12,056,000 | 12,204,000 | 13,313,000 |
| Risk-weighted assets | 91,215,000 | 94,295,000 | 94,496,000 | 94,555,000 |