Call reports 2014
ECLIPSE BANK, INC. — 2014
What ECLIPSE BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,408,000 | 142,799,000 | 142,338,000 | 141,337,000 |
| Total loans | 101,718,000 | 102,914,000 | 103,720,000 | 105,284,000 |
| Allowance for loan losses | 1,163,000 | 1,086,000 | 1,041,000 | 1,020,000 |
| Securities available for sale | 26,357,000 | 26,322,000 | 22,484,000 | 22,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,246,000 | 117,203,000 | 117,874,000 | 117,509,000 |
| Interest-bearing deposits | 104,555,000 | 105,159,000 | 106,326,000 | 103,436,000 |
| Noninterest-bearing deposits | 12,691,000 | 12,044,000 | 11,548,000 | 14,073,000 |
| Equity capital | 15,629,000 | 16,071,000 | 16,207,000 | 16,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 2,978,000 | 4,432,000 | 5,863,000 |
| Interest expense | 206,000 | 412,000 | 613,000 | 807,000 |
| Net interest income | 1,305,000 | 2,566,000 | 3,819,000 | 5,056,000 |
| Noninterest income | 58,000 | 241,000 | 305,000 | 429,000 |
| Noninterest expense | 1,115,000 | 2,220,000 | 3,335,000 | 4,517,000 |
| Provision for loan losses | 0 | -12,000 | -45,000 | -70,000 |
| Pretax income | 248,000 | 599,000 | 838,000 | 1,042,000 |
| Income tax | 87,000 | 221,000 | 315,000 | 394,000 |
| Net income | 161,000 | 378,000 | 523,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,558,000 | 14,911,000 | 15,181,000 | 15,456,000 |
| Total capital | 15,737,000 | 16,013,000 | 16,238,000 | 16,483,000 |
| Risk-weighted assets | 102,249,000 | 104,101,000 | 105,408,000 | 106,049,000 |