Call reports 2001
LUMINATE BANK — 2001
What LUMINATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 25,103,000 | 26,711,000 | 27,951,000 | 28,134,000 |
| Total loans | 17,995,000 | 19,261,000 | 19,870,000 | 21,148,000 |
| Allowance for loan losses | 224,000 | 183,000 | 197,000 | 195,000 |
| Securities available for sale | 2,666,000 | 2,347,000 | 2,168,000 | 2,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,070,000 | 24,061,000 | 25,330,000 | 25,422,000 |
| Interest-bearing deposits | 19,765,000 | 20,428,000 | 21,385,000 | 20,309,000 |
| Noninterest-bearing deposits | 3,305,000 | 3,633,000 | 3,945,000 | 5,113,000 |
| Equity capital | 1,742,000 | 2,356,000 | 2,392,000 | 2,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 205,000 | 732,000 | 1,233,000 |
| Interest expense | 272,000 | 108,000 | 364,000 | 594,000 |
| Net interest income | 233,000 | 97,000 | 368,000 | 639,000 |
| Noninterest income | 30,000 | 14,000 | 44,000 | 86,000 |
| Noninterest expense | 255,000 | 108,000 | 351,000 | 621,000 |
| Provision for loan losses | -9,000 | -4,000 | 15,000 | 21,000 |
| Pretax income | 17,000 | 9,000 | 49,000 | 86,000 |
| Income tax | 3,000 | 3,000 | 19,000 | 35,000 |
| Net income | 14,000 | 6,000 | 30,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,734,000 | 1,800,000 | 1,847,000 | 1,912,000 |
| Total capital | 1,958,000 | 1,983,000 | 2,044,000 | 2,107,000 |
| Risk-weighted assets | 19,002,000 | 19,427,000 | 20,265,000 | 21,642,000 |