Call reports 2002
LUMINATE BANK — 2002
What LUMINATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,609,000 | 27,864,000 | 28,191,000 | 30,694,000 |
| Total loans | 20,559,000 | 22,604,000 | 22,886,000 | 22,776,000 |
| Allowance for loan losses | 201,000 | 212,000 | 228,000 | 227,000 |
| Securities available for sale | 2,345,000 | 2,336,000 | 2,549,000 | 2,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,915,000 | 25,056,000 | 25,082,000 | 27,438,000 |
| Interest-bearing deposits | 20,518,000 | 20,740,000 | 21,509,000 | 22,928,000 |
| Noninterest-bearing deposits | 3,397,000 | 4,316,000 | 3,573,000 | 4,510,000 |
| Equity capital | 2,484,000 | 2,605,000 | 2,936,000 | 3,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 972,000 | 1,497,000 | 1,996,000 |
| Interest expense | 176,000 | 348,000 | 527,000 | 713,000 |
| Net interest income | 306,000 | 624,000 | 970,000 | 1,283,000 |
| Noninterest income | 39,000 | 87,000 | 129,000 | 170,000 |
| Noninterest expense | 241,000 | 488,000 | 754,000 | 1,006,000 |
| Provision for loan losses | 11,000 | 22,000 | 38,000 | 44,000 |
| Pretax income | 93,000 | 201,000 | 307,000 | 403,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 201,000 | 307,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,004,000 | 2,112,000 | 2,445,000 | 2,582,000 |
| Total capital | 2,205,000 | 2,324,000 | 2,673,000 | 2,809,000 |
| Risk-weighted assets | 20,638,000 | 22,648,000 | 22,798,000 | 23,187,000 |