Call reports 2023
ECLIPSE BANK, INC. — 2023
What ECLIPSE BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 456,537,000 | 492,399,000 | 503,015,000 | 510,860,000 |
| Total loans | 398,256,000 | 427,140,000 | 428,571,000 | 432,284,000 |
| Allowance for loan losses | 3,434,000 | 3,821,000 | 3,805,000 | 4,280,000 |
| Securities available for sale | 21,880,000 | 21,130,000 | 20,204,000 | 20,674,000 |
| Securities held to maturity | 11,412,000 | 11,187,000 | 11,262,000 | 11,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,347,000 | 353,087,000 | 356,829,000 | 365,276,000 |
| Interest-bearing deposits | 298,562,000 | 321,434,000 | 325,419,000 | 334,339,000 |
| Noninterest-bearing deposits | 33,785,000 | 31,653,000 | 31,410,000 | 30,937,000 |
| Equity capital | 42,053,000 | 42,364,000 | 41,773,000 | 40,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,166,000 | 11,048,000 | 17,219,000 | 23,484,000 |
| Interest expense | 2,316,000 | 5,846,000 | 10,043,000 | 14,470,000 |
| Net interest income | 2,850,000 | 5,202,000 | 7,176,000 | 9,014,000 |
| Noninterest income | 235,000 | 544,000 | 835,000 | 940,000 |
| Noninterest expense | 2,685,000 | 5,229,000 | 7,784,000 | 10,407,000 |
| Provision for loan losses | 0 | 386,000 | 387,000 | 876,000 |
| Pretax income | 400,000 | 131,000 | -160,000 | -1,329,000 |
| Income tax | 57,000 | -54,000 | -164,000 | -514,000 |
| Net income | 343,000 | 185,000 | 4,000 | -815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,896,000 | 46,740,000 | 46,458,000 | 45,139,000 |