FDIC Certificate #: 58049 Status: Active Federal Reserve ID: 3347603 Date Established: October 14, 2005 WWW:http://www.eclipsebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 437273 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 14, 2005 Last Structure Change Effective Date: April 01, 2008 Last Structure Change Process Date: July 01, 2008 Last Data Update: July 01, 2008 Data Source Date: April 05, 2012
Location
Address: 3827 Shelbyville Road, Louisville, KY 40207 County: Jefferson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520) Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140) CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of Changes
Change in Location
Financial Summary
Total assets: $135.4 mil Equity capital: $14.8 mil Deposits held in domestic offices: $114.9 mil Return on assets (ROA): 0.18% ($0.2 mil) Quarterly return on assets: -0.13% (-$0.2 mil) Return on Equity (ROE): 1.64% ($0.2 mil) Quarterly return on equity: -1.18% (-$0.2 mil) Net income: $0.2 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.28% ($379.2 mil) Quarterly Pretax return on assets: -0.18% (-$243.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
17Total employees (full-time equivalent)
$135,441Total assets
$2,331Cash and due from depository institutions
$706Interest-bearing balances
$30,345Securities
$6,286Federal funds sold & reverse repurchase agreements
$86,904Net loans & leases
$1,733Loan loss allowance
$0Trading account assets
$4,503Bank premises and fixed assets
$1,093Other real estate owned
$0Goodwill and other intangibles
$135,441Life insurance assets
$3,979All other assets
$120,635Total liabilities and capital
$114,872Total liabilities
$103,458Total deposits
$114,872Interest-bearing deposits
$91Deposits held in domestic offices
4882.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$300Trading liabilities
$0Other borrowed funds
$581Subordinated debt
$14,806All other liabilities
$14,806Total equity capital
$14,806Total bank equity capital
$0Perpetual preferred stock
$5,686Common stock
$13,932Surplus
$-4,812Undivided profits
Memoranda
$0Noncurrent loans and leases
$335Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,306Income earned, not collected on loans
$0Earning assets
$397Long-term assets (5+ years)
$124,241Average Assets, year-to-date
$38,824Average Assets, quarterly
$134,081Volatile liabilities
$136,269Insider loans
$91,823FHLB advances
$138,353Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,558Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,196Restructured Loans and leases
$6,025Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,853Total interest income
$1,647Total interest expense
$4,206Net interest income
$339Provision for loan and lease losses
$211Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$138Additional noninterest income
$3,748Total noninterest expense
$1,785Salaries and employee benefits
$459Premises and equipment expense
$1,504Additional noninterest expense
$330Pre-tax net operating income
$43Securities gains (losses)
$137Applicable income taxes
$236Income before extraordinary items
$0Extraordinary gains - net
$236Net income attributable to bank
$0Net charge-offs
$236Cash dividends
-$40Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.34%Cost of funding earning assets
3.42%Net interest margin
0.17%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
0.16%Net operating income to assets
0.18%Return on assets (ROA)
0.28%Pretax return on assets
1.64%Return on equity (ROE)
1.64%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
-847.50%Credit loss provision to net charge-offs
0.00%Efficiency ratio
84,854Assets per employee
7.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
40.25%Noncurrent assets plus other real estate owned to assets
3.99%Noncurrent loans to loans
4.86%Net loans and leases to deposits
75.65%Net loans and leases to core deposits
88.00%Equity capital to assets
10.93%Core capital (leverage) ratio
9.08%Tier 1 risk-based capital ratio
13.68%Total risk-based capital ratio
Memoranda
$15Average assets
$134,081Average earning assets
$14,406Average equity
$122,974Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
437273
Eclipse Bank, Inc.
3827 Shelbyville Road, Louisville, KY 40207
October 14, 2005
Full Service Brick and Mortar
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