Call reports 2011
ECLIPSE BANK, INC. — 2011
What ECLIPSE BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 130,402,000 | 134,137,000 | 137,097,000 | 135,441,000 |
| Total loans | 93,096,000 | 94,570,000 | 91,122,000 | 88,637,000 |
| Allowance for loan losses | 1,432,000 | 1,467,000 | 1,467,000 | 1,733,000 |
| Securities available for sale | 24,736,000 | 26,072,000 | 32,054,000 | 30,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,985,000 | 110,110,000 | 112,185,000 | 114,872,000 |
| Interest-bearing deposits | 100,421,000 | 101,072,000 | 102,753,000 | 103,458,000 |
| Noninterest-bearing deposits | 6,564,000 | 9,038,000 | 9,432,000 | 11,414,000 |
| Equity capital | 13,933,000 | 14,598,000 | 14,949,000 | 14,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,003,000 | 4,460,000 | 5,853,000 |
| Interest expense | 440,000 | 873,000 | 1,287,000 | 1,647,000 |
| Net interest income | 1,095,000 | 2,130,000 | 3,173,000 | 4,206,000 |
| Noninterest income | 65,000 | 120,000 | 161,000 | 211,000 |
| Noninterest expense | 941,000 | 1,901,000 | 2,878,000 | 3,748,000 |
| Provision for loan losses | 4,000 | 39,000 | 39,000 | 339,000 |
| Pretax income | 215,000 | 329,000 | 436,000 | 373,000 |
| Income tax | 76,000 | 118,000 | 156,000 | 137,000 |
| Net income | 139,000 | 211,000 | 280,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,412,000 | 12,503,000 | 12,540,000 | 12,558,000 |
| Total capital | 13,590,000 | 13,700,000 | 13,716,000 | 13,715,000 |
| Risk-weighted assets | 93,808,000 | 95,448,000 | 93,662,000 | 91,823,000 |