Call reports 2024
ECLIPSE BANK, INC. — 2024
What ECLIPSE BANK, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 508,948,000 | 497,603,000 | 490,602,000 | 481,493,000 |
| Total loans | 425,572,000 | 424,546,000 | 418,453,000 | 410,379,000 |
| Allowance for loan losses | 4,279,000 | 4,292,000 | 3,932,000 | 4,675,000 |
| Securities available for sale | 20,306,000 | 19,934,000 | 20,411,000 | 19,519,000 |
| Securities held to maturity | 11,718,000 | 11,569,000 | 11,670,000 | 11,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,708,000 | 373,451,000 | 358,443,000 | 346,947,000 |
| Interest-bearing deposits | 346,204,000 | 340,472,000 | 323,369,000 | 317,592,000 |
| Noninterest-bearing deposits | 31,504,000 | 32,979,000 | 35,074,000 | 29,355,000 |
| Equity capital | 40,804,000 | 41,317,000 | 41,380,000 | 40,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,610,000 | 13,214,000 | 19,769,000 | 26,197,000 |
| Interest expense | 4,991,000 | 9,291,000 | 13,576,000 | 17,598,000 |
| Net interest income | 1,619,000 | 3,923,000 | 6,193,000 | 8,599,000 |
| Noninterest income | 1,869,000 | 2,001,000 | 2,150,000 | 2,266,000 |
| Noninterest expense | 2,615,000 | 5,187,000 | 7,884,000 | 10,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 780,000 |
| Pretax income | 873,000 | 737,000 | 459,000 | -503,000 |
| Income tax | 141,000 | 75,000 | -34,000 | -274,000 |
| Net income | 732,000 | 662,000 | 493,000 | -229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,255,000 | 45,325,000 | 45,156,000 | 44,541,000 |