Call reports 2013
ECLIPSE BANK, INC. — 2013
What ECLIPSE BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 140,129,000 | 143,207,000 | 135,874,000 | 137,786,000 |
| Total loans | 101,622,000 | 103,104,000 | 96,520,000 | 99,386,000 |
| Allowance for loan losses | 1,085,000 | 1,119,000 | 1,140,000 | 1,163,000 |
| Securities available for sale | 26,534,000 | 25,087,000 | 27,076,000 | 26,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,191,000 | 116,421,000 | 112,280,000 | 116,615,000 |
| Interest-bearing deposits | 105,140,000 | 106,247,000 | 101,530,000 | 105,655,000 |
| Noninterest-bearing deposits | 14,051,000 | 10,174,000 | 10,750,000 | 10,960,000 |
| Equity capital | 15,470,000 | 15,193,000 | 15,312,000 | 15,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 3,353,000 | 4,782,000 | 6,238,000 |
| Interest expense | 225,000 | 454,000 | 658,000 | 856,000 |
| Net interest income | 1,245,000 | 2,899,000 | 4,124,000 | 5,382,000 |
| Noninterest income | 62,000 | -23,000 | -3,000 | 144,000 |
| Noninterest expense | 1,046,000 | 2,108,000 | 3,130,000 | 4,293,000 |
| Provision for loan losses | 93,000 | 93,000 | 72,000 | 85,000 |
| Pretax income | 153,000 | 660,000 | 904,000 | 1,133,000 |
| Income tax | 56,000 | 232,000 | 316,000 | 396,000 |
| Net income | 97,000 | 428,000 | 588,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,404,000 | 13,985,000 | 14,282,000 | 14,306,000 |
| Total capital | 14,545,000 | 15,159,000 | 15,439,000 | 15,485,000 |
| Risk-weighted assets | 101,011,000 | 102,608,000 | 96,807,000 | 99,378,000 |