Call reports 2004
LUMINATE BANK — 2004
What LUMINATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,459,000 | 44,642,000 | 43,989,000 | 44,408,000 |
| Total loans | 26,927,000 | 31,679,000 | 36,492,000 | 37,655,000 |
| Allowance for loan losses | 242,000 | 311,000 | 343,000 | 369,000 |
| Securities available for sale | 2,183,000 | 3,609,000 | 3,608,000 | 3,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,612,000 | 39,594,000 | 38,661,000 | 37,816,000 |
| Interest-bearing deposits | 28,750,000 | 34,990,000 | 33,928,000 | 32,355,000 |
| Noninterest-bearing deposits | 3,862,000 | 4,604,000 | 4,733,000 | 5,461,000 |
| Equity capital | 4,734,000 | 4,898,000 | 5,170,000 | 5,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 1,128,000 | 1,889,000 | 2,696,000 |
| Interest expense | 111,000 | 254,000 | 414,000 | 591,000 |
| Net interest income | 371,000 | 874,000 | 1,475,000 | 2,105,000 |
| Noninterest income | 49,000 | 105,000 | 140,000 | 180,000 |
| Noninterest expense | 337,000 | 653,000 | 997,000 | 1,419,000 |
| Provision for loan losses | 51,000 | 81,000 | 114,000 | 147,000 |
| Pretax income | 32,000 | 245,000 | 504,000 | 721,000 |
| Income tax | 0 | 0 | 17,000 | 17,000 |
| Net income | 32,000 | 245,000 | 487,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,215,000 | 4,428,000 | 4,670,000 | 4,887,000 |
| Total capital | 4,457,000 | 4,739,000 | 5,013,000 | 5,256,000 |
| Risk-weighted assets | 30,083,000 | 35,581,000 | 39,727,000 | 37,834,000 |