Call reports 2020
ECLIPSE BANK, INC. — 2020
What ECLIPSE BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 181,556,000 | 208,391,000 | 211,632,000 | 223,070,000 |
| Total loans | 157,897,000 | 172,675,000 | 179,279,000 | 177,550,000 |
| Allowance for loan losses | 1,440,000 | 1,500,000 | 1,546,000 | 1,776,000 |
| Securities available for sale | 9,032,000 | 18,936,000 | 18,708,000 | 23,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,932,000 | 167,908,000 | 176,062,000 | 188,970,000 |
| Interest-bearing deposits | 120,087,000 | 148,101,000 | 157,121,000 | 169,947,000 |
| Noninterest-bearing deposits | 16,845,000 | 19,807,000 | 18,941,000 | 19,023,000 |
| Equity capital | 20,937,000 | 21,352,000 | 21,803,000 | 22,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,020,000 | 4,139,000 | 6,305,000 | 8,420,000 |
| Interest expense | 561,000 | 1,055,000 | 1,535,000 | 1,998,000 |
| Net interest income | 1,459,000 | 3,084,000 | 4,770,000 | 6,422,000 |
| Noninterest income | 90,000 | 258,000 | 607,000 | 1,261,000 |
| Noninterest expense | 1,205,000 | 2,434,000 | 3,853,000 | 5,418,000 |
| Provision for loan losses | 50,000 | 110,000 | 155,000 | 404,000 |
| Pretax income | 317,000 | 821,000 | 1,392,000 | 1,884,000 |
| Income tax | 67,000 | 154,000 | 276,000 | 369,000 |
| Net income | 250,000 | 667,000 | 1,116,000 | 1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,820,000 | 21,236,000 | 21,685,000 | 22,084,000 |
| Total capital | 22,267,000 | 22,743,000 | 23,238,000 | 23,867,000 |
| Risk-weighted assets | 164,156,000 | 169,729,000 | 171,632,000 | 177,758,000 |