Call reports 2005
LUMINATE BANK — 2005
What LUMINATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,977,000 | 45,472,000 | 51,184,000 | 51,194,000 |
| Total loans | 36,382,000 | 36,841,000 | 36,038,000 | 38,121,000 |
| Allowance for loan losses | 357,000 | 354,000 | 325,000 | 320,000 |
| Securities available for sale | 3,532,000 | 3,542,000 | 3,469,000 | 3,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,278,000 | 39,622,000 | 45,082,000 | 44,927,000 |
| Interest-bearing deposits | 37,368,000 | 36,086,000 | 41,992,000 | 37,244,000 |
| Noninterest-bearing deposits | 3,910,000 | 3,536,000 | 3,090,000 | 7,683,000 |
| Equity capital | 5,528,000 | 5,710,000 | 5,885,000 | 6,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,550,000 | 2,448,000 | 3,324,000 |
| Interest expense | 228,000 | 481,000 | 799,000 | 1,116,000 |
| Net interest income | 546,000 | 1,069,000 | 1,649,000 | 2,208,000 |
| Noninterest income | 28,000 | 58,000 | 87,000 | 116,000 |
| Noninterest expense | 371,000 | 767,000 | 1,176,000 | 1,582,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 21,000 |
| Pretax income | 203,000 | 360,000 | 550,000 | 721,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 360,000 | 550,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,090,000 | 5,247,000 | 5,437,000 | 5,608,000 |
| Total capital | 5,447,000 | 5,601,000 | 5,762,000 | 5,928,000 |
| Risk-weighted assets | 36,745,000 | 36,318,000 | 37,140,000 | 38,199,000 |