Call reports 2003
LUMINATE BANK — 2003
What LUMINATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,404,000 | 28,491,000 | 27,246,000 | 29,306,000 |
| Total loans | 21,920,000 | 20,313,000 | 22,115,000 | 24,113,000 |
| Allowance for loan losses | 236,000 | 111,000 | 132,000 | 217,000 |
| Securities available for sale | 2,389,000 | 2,279,000 | 2,248,000 | 2,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,082,000 | 24,441,000 | 22,617,000 | 24,108,000 |
| Interest-bearing deposits | 23,208,000 | 20,363,000 | 19,177,000 | 18,151,000 |
| Noninterest-bearing deposits | 3,874,000 | 4,078,000 | 3,440,000 | 5,957,000 |
| Equity capital | 3,174,000 | 3,899,000 | 3,982,000 | 4,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 908,000 | 1,392,000 | 1,800,000 |
| Interest expense | 173,000 | 319,000 | 437,000 | 541,000 |
| Net interest income | 294,000 | 589,000 | 955,000 | 1,259,000 |
| Noninterest income | 22,000 | 59,000 | 91,000 | 160,000 |
| Noninterest expense | 227,000 | 489,000 | 784,000 | 1,060,000 |
| Provision for loan losses | 17,000 | 40,000 | 62,000 | 153,000 |
| Pretax income | 72,000 | 119,000 | 200,000 | 206,000 |
| Income tax | -37,000 | -37,000 | -37,000 | -38,000 |
| Net income | 109,000 | 156,000 | 237,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,668,000 | 3,396,000 | 3,477,000 | 4,183,000 |
| Total capital | 2,904,000 | 3,507,000 | 3,609,000 | 4,400,000 |
| Risk-weighted assets | 24,078,000 | 22,215,000 | 23,591,000 | 25,122,000 |