Call reports 2022
ECLIPSE BANK, INC. — 2022
What ECLIPSE BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 305,588,000 | 367,958,000 | 386,412,000 | 412,577,000 |
| Total loans | 235,771,000 | 304,591,000 | 329,674,000 | 358,474,000 |
| Allowance for loan losses | 2,129,000 | 2,930,000 | 2,930,000 | 2,942,000 |
| Securities available for sale | 37,580,000 | 35,468,000 | 22,599,000 | 22,225,000 |
| Securities held to maturity | 0 | 0 | 11,406,000 | 11,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,343,000 | 285,225,000 | 290,999,000 | 323,095,000 |
| Interest-bearing deposits | 220,192,000 | 222,039,000 | 256,644,000 | 291,863,000 |
| Noninterest-bearing deposits | 29,151,000 | 63,186,000 | 34,355,000 | 31,232,000 |
| Equity capital | 24,399,000 | 28,233,000 | 41,658,000 | 42,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,661,000 | 5,818,000 | 9,779,000 | 14,187,000 |
| Interest expense | 388,000 | 875,000 | 1,858,000 | 3,281,000 |
| Net interest income | 2,273,000 | 4,943,000 | 7,921,000 | 10,906,000 |
| Noninterest income | 380,000 | 544,000 | 742,000 | 773,000 |
| Noninterest expense | 2,331,000 | 4,642,000 | 7,179,000 | 9,648,000 |
| Provision for loan losses | 0 | 801,000 | 801,000 | 801,000 |
| Pretax income | 322,000 | 44,000 | 683,000 | 1,230,000 |
| Income tax | 54,000 | -67,000 | 60,000 | 153,000 |
| Net income | 268,000 | 111,000 | 623,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,404,000 | 30,474,000 | 44,986,000 | 46,351,000 |
| Total capital | 29,540,000 | — | — | — |
| Risk-weighted assets | 231,398,000 | — | — | — |