Call reports 2018
ECLIPSE BANK, INC. — 2018
What ECLIPSE BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 147,908,000 | 149,325,000 | 152,086,000 | 153,165,000 |
| Total loans | 125,722,000 | 122,596,000 | 124,547,000 | 127,033,000 |
| Allowance for loan losses | 1,327,000 | 1,326,000 | 1,324,000 | 1,324,000 |
| Securities available for sale | 9,643,000 | 11,362,000 | 10,946,000 | 10,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,784,000 | 126,894,000 | 129,259,000 | 119,825,000 |
| Interest-bearing deposits | 111,573,000 | 109,169,000 | 108,939,000 | 105,549,000 |
| Noninterest-bearing deposits | 14,211,000 | 17,725,000 | 20,320,000 | 14,276,000 |
| Equity capital | 18,689,000 | 18,989,000 | 19,184,000 | 19,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,156,000 | 4,750,000 | 6,416,000 |
| Interest expense | 285,000 | 567,000 | 894,000 | 1,257,000 |
| Net interest income | 1,288,000 | 2,589,000 | 3,856,000 | 5,159,000 |
| Noninterest income | 42,000 | 87,000 | 127,000 | 168,000 |
| Noninterest expense | 982,000 | 1,917,000 | 2,911,000 | 3,838,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 348,000 | 753,000 | 1,066,000 | 1,483,000 |
| Income tax | 74,000 | 159,000 | 226,000 | 326,000 |
| Net income | 274,000 | 594,000 | 840,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,669,000 | 19,030,000 | 19,280,000 | 19,596,000 |
| Total capital | 20,003,000 | 20,363,000 | 20,612,000 | 20,927,000 |
| Risk-weighted assets | 129,426,000 | 126,859,000 | 133,212,000 | 135,562,000 |