Call reports 2012
ECLIPSE BANK, INC. — 2012
What ECLIPSE BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,640,000 | 137,354,000 | 142,494,000 | 155,541,000 |
| Total loans | 95,455,000 | 96,517,000 | 94,927,000 | 110,674,000 |
| Allowance for loan losses | 1,392,000 | 1,392,000 | 1,383,000 | 1,147,000 |
| Securities available for sale | 28,268,000 | 23,581,000 | 27,898,000 | 26,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,290,000 | 115,570,000 | 122,176,000 | 135,448,000 |
| Interest-bearing deposits | 101,257,000 | 105,661,000 | 109,319,000 | 110,965,000 |
| Noninterest-bearing deposits | 13,033,000 | 9,909,000 | 12,857,000 | 24,483,000 |
| Equity capital | 14,921,000 | 15,226,000 | 15,485,000 | 15,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 2,856,000 | 4,284,000 | 5,678,000 |
| Interest expense | 319,000 | 627,000 | 907,000 | 1,149,000 |
| Net interest income | 1,094,000 | 2,229,000 | 3,377,000 | 4,529,000 |
| Noninterest income | 60,000 | 109,000 | 172,000 | 173,000 |
| Noninterest expense | 1,019,000 | 2,007,000 | 2,994,000 | 4,028,000 |
| Provision for loan losses | 0 | 82,000 | 93,000 | 234,000 |
| Pretax income | 135,000 | 249,000 | 462,000 | 635,000 |
| Income tax | 48,000 | 89,000 | 164,000 | 248,000 |
| Net income | 87,000 | 160,000 | 298,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,786,000 | 12,935,000 | 13,209,000 | 13,166,000 |
| Total capital | 14,014,000 | 14,175,000 | 14,447,000 | 14,368,000 |
| Risk-weighted assets | 98,015,000 | 98,987,000 | 98,831,000 | 97,799,000 |