Call reports 2017
ECLIPSE BANK, INC. — 2017
What ECLIPSE BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 153,240,000 | 153,552,000 | 160,176,000 | 155,848,000 |
| Total loans | 129,808,000 | 131,110,000 | 132,787,000 | 131,162,000 |
| Allowance for loan losses | 1,299,000 | 1,300,000 | 1,306,000 | 1,308,000 |
| Securities available for sale | 10,267,000 | 10,059,000 | 9,749,000 | 9,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,669,000 | 131,773,000 | 138,125,000 | 133,847,000 |
| Interest-bearing deposits | 113,008,000 | 117,247,000 | 118,872,000 | 120,498,000 |
| Noninterest-bearing deposits | 16,661,000 | 14,526,000 | 19,253,000 | 13,349,000 |
| Equity capital | 17,796,000 | 18,173,000 | 18,398,000 | 18,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,085,000 | 4,697,000 | 6,375,000 |
| Interest expense | 217,000 | 452,000 | 728,000 | 1,008,000 |
| Net interest income | 1,313,000 | 2,633,000 | 3,969,000 | 5,367,000 |
| Noninterest income | 56,000 | 196,000 | 254,000 | 305,000 |
| Noninterest expense | 1,344,000 | 2,447,000 | 3,484,000 | 4,459,000 |
| Provision for loan losses | 360,000 | 360,000 | 360,000 | 360,000 |
| Pretax income | -335,000 | 22,000 | 379,000 | 853,000 |
| Income tax | -106,000 | 19,000 | 143,000 | 504,000 |
| Net income | -229,000 | 3,000 | 236,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,093,000 | 17,436,000 | 17,832,000 | 18,311,000 |
| Total capital | 18,399,000 | 18,743,000 | 19,145,000 | 19,626,000 |
| Risk-weighted assets | 135,065,000 | 136,084,000 | 138,602,000 | 135,137,000 |