Call reports 2021
ECLIPSE BANK, INC. — 2021
What ECLIPSE BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 240,391,000 | 258,847,000 | 275,161,000 | 292,541,000 |
| Total loans | 189,153,000 | 204,873,000 | 225,004,000 | 227,312,000 |
| Allowance for loan losses | 1,804,000 | 1,830,000 | 2,029,000 | 2,130,000 |
| Securities available for sale | 29,322,000 | 38,182,000 | 37,154,000 | 41,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,860,000 | 212,645,000 | 228,472,000 | 243,653,000 |
| Interest-bearing deposits | 180,593,000 | 186,945,000 | 171,393,000 | 215,058,000 |
| Noninterest-bearing deposits | 24,267,000 | 25,700,000 | 57,079,000 | 28,595,000 |
| Equity capital | 23,928,000 | 24,518,000 | 24,954,000 | 26,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,552,000 | 7,155,000 | 9,735,000 |
| Interest expense | 404,000 | 789,000 | 1,155,000 | 1,550,000 |
| Net interest income | 1,818,000 | 3,763,000 | 6,000,000 | 8,185,000 |
| Noninterest income | 1,103,000 | 1,690,000 | 2,255,000 | 2,609,000 |
| Noninterest expense | 2,042,000 | 3,985,000 | 6,038,000 | 8,084,000 |
| Provision for loan losses | 25,000 | 46,000 | 246,000 | 346,000 |
| Pretax income | 854,000 | 1,442,000 | 1,991,000 | 2,384,000 |
| Income tax | 195,000 | 290,000 | 394,000 | 483,000 |
| Net income | 659,000 | 1,152,000 | 1,597,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,244,000 | 24,735,000 | 25,202,000 | 27,259,000 |
| Total capital | 26,055,000 | 26,572,000 | 27,238,000 | 29,396,000 |
| Risk-weighted assets | 183,335,000 | 202,113,000 | 215,368,000 | 223,543,000 |