Call reports 2015
ECLIPSE BANK, INC. — 2015
What ECLIPSE BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 142,237,000 | 139,499,000 | 139,568,000 | 138,758,000 |
| Total loans | 111,184,000 | 108,595,000 | 109,670,000 | 109,686,000 |
| Allowance for loan losses | 976,000 | 992,000 | 930,000 | 802,000 |
| Securities available for sale | 21,024,000 | 20,367,000 | 19,137,000 | 17,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,304,000 | 117,608,000 | 115,086,000 | 114,547,000 |
| Interest-bearing deposits | 104,050,000 | 101,279,000 | 100,283,000 | 98,106,000 |
| Noninterest-bearing deposits | 14,254,000 | 16,329,000 | 14,803,000 | 16,441,000 |
| Equity capital | 16,799,000 | 16,943,000 | 17,295,000 | 17,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,482,000 | 2,999,000 | 4,471,000 | 5,866,000 |
| Interest expense | 186,000 | 374,000 | 565,000 | 752,000 |
| Net interest income | 1,296,000 | 2,625,000 | 3,906,000 | 5,114,000 |
| Noninterest income | 51,000 | 130,000 | 200,000 | 376,000 |
| Noninterest expense | 1,193,000 | 2,158,000 | 3,243,000 | 4,343,000 |
| Provision for loan losses | 24,000 | 36,000 | -28,000 | -44,000 |
| Pretax income | 130,000 | 561,000 | 904,000 | 1,204,000 |
| Income tax | 56,000 | 212,000 | 338,000 | 450,000 |
| Net income | 74,000 | 349,000 | 566,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,153,000 | 15,841,000 | 16,215,000 | 16,536,000 |
| Total capital | 17,136,000 | 16,840,000 | 17,152,000 | 17,345,000 |
| Risk-weighted assets | 114,698,000 | 112,604,000 | 114,230,000 | 113,994,000 |