Call reports 2016
ECLIPSE BANK, INC. — 2016
What ECLIPSE BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,377,000 | 135,926,000 | 138,105,000 | 149,853,000 |
| Total loans | 113,831,000 | 109,900,000 | 112,947,000 | 123,442,000 |
| Allowance for loan losses | 860,000 | 854,000 | 891,000 | 922,000 |
| Securities available for sale | 16,083,000 | 14,929,000 | 10,716,000 | 10,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,009,000 | 113,250,000 | 113,506,000 | 119,626,000 |
| Interest-bearing deposits | 101,149,000 | 97,042,000 | 98,283,000 | 106,075,000 |
| Noninterest-bearing deposits | 17,860,000 | 16,208,000 | 15,223,000 | 13,551,000 |
| Equity capital | 17,586,000 | 17,795,000 | 17,971,000 | 17,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,819,000 | 4,379,000 | 6,051,000 |
| Interest expense | 178,000 | 357,000 | 536,000 | 729,000 |
| Net interest income | 1,228,000 | 2,462,000 | 3,843,000 | 5,322,000 |
| Noninterest income | 97,000 | 191,000 | 258,000 | 315,000 |
| Noninterest expense | 1,224,000 | 2,389,000 | 3,558,000 | 4,846,000 |
| Provision for loan losses | 43,000 | 43,000 | 77,000 | 108,000 |
| Pretax income | 58,000 | 221,000 | 466,000 | 683,000 |
| Income tax | 26,000 | 87,000 | 177,000 | 260,000 |
| Net income | 32,000 | 134,000 | 289,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,515,000 | 16,744,000 | 16,915,000 | 17,275,000 |
| Total capital | 17,382,000 | 17,605,000 | 17,814,000 | 18,204,000 |
| Risk-weighted assets | 118,819,000 | 114,961,000 | 117,457,000 | 129,250,000 |