Call reports 2025
ECLIPSE BANK, INC. — 2025
What ECLIPSE BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 479,140,000 | 488,274,000 | 487,114,000 | 481,999,000 |
| Total loans | 410,445,000 | 426,443,000 | 418,524,000 | 415,162,000 |
| Allowance for loan losses | 3,821,000 | 3,724,000 | 3,726,000 | 3,692,000 |
| Securities available for sale | 19,358,000 | 19,174,000 | 19,072,000 | 18,962,000 |
| Securities held to maturity | 11,871,000 | 11,972,000 | 12,066,000 | 12,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,853,000 | 347,567,000 | 355,658,000 | 345,220,000 |
| Interest-bearing deposits | 310,457,000 | 315,770,000 | 319,323,000 | 313,395,000 |
| Noninterest-bearing deposits | 36,396,000 | 31,797,000 | 36,335,000 | 31,825,000 |
| Equity capital | 40,593,000 | 41,037,000 | 41,732,000 | 42,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,323,000 | 12,868,000 | 19,657,000 | 26,285,000 |
| Interest expense | 3,820,000 | 7,669,000 | 11,510,000 | 15,111,000 |
| Net interest income | 2,503,000 | 5,199,000 | 8,147,000 | 11,174,000 |
| Noninterest income | 237,000 | 546,000 | 788,000 | 960,000 |
| Noninterest expense | 2,913,000 | 5,396,000 | 8,021,000 | 10,669,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | -173,000 | 299,000 | 864,000 | 1,415,000 |
| Income tax | -74,000 | 7,000 | 108,000 | 150,000 |
| Net income | -99,000 | 292,000 | 756,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,264,000 | 44,656,000 | 45,119,000 | 45,627,000 |