Call reports 2019
ECLIPSE BANK, INC. — 2019
What ECLIPSE BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 156,812,000 | 162,938,000 | 159,652,000 | 176,615,000 |
| Total loans | 128,685,000 | 131,362,000 | 137,907,000 | 151,587,000 |
| Allowance for loan losses | 1,396,000 | 1,407,000 | 1,388,000 | 1,372,000 |
| Securities available for sale | 10,592,000 | 10,285,000 | 9,798,000 | 9,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,271,000 | 129,998,000 | 136,046,000 | 143,065,000 |
| Interest-bearing deposits | 101,874,000 | 115,457,000 | 120,733,000 | 128,571,000 |
| Noninterest-bearing deposits | 24,397,000 | 14,541,000 | 15,313,000 | 14,494,000 |
| Equity capital | 19,932,000 | 20,341,000 | 20,647,000 | 20,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,763,000 | 3,570,000 | 5,375,000 | 7,278,000 |
| Interest expense | 462,000 | 947,000 | 1,463,000 | 1,990,000 |
| Net interest income | 1,301,000 | 2,623,000 | 3,912,000 | 5,288,000 |
| Noninterest income | 33,000 | 66,000 | 118,000 | 190,000 |
| Noninterest expense | 995,000 | 1,943,000 | 2,908,000 | 4,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 339,000 | 746,000 | 1,122,000 | 1,427,000 |
| Income tax | 71,000 | 118,000 | 197,000 | 262,000 |
| Net income | 268,000 | 628,000 | 925,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,847,000 | 20,226,000 | 20,522,000 | 20,569,000 |
| Total capital | 21,250,000 | 21,640,000 | 21,917,000 | 21,948,000 |
| Risk-weighted assets | 138,905,000 | 147,176,000 | 151,651,000 | 162,695,000 |