Call reports 2006
LUMINATE BANK — 2006
What LUMINATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,916,000 | 52,144,000 | 53,821,000 | 51,904,000 |
| Total loans | 39,233,000 | 44,192,000 | 45,034,000 | 44,450,000 |
| Allowance for loan losses | 320,000 | 360,000 | 367,000 | 409,000 |
| Securities available for sale | 3,430,000 | 3,394,000 | 3,413,000 | 3,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,550,000 | 45,473,000 | 46,943,000 | 44,712,000 |
| Interest-bearing deposits | 37,435,000 | 41,664,000 | 43,256,000 | 40,142,000 |
| Noninterest-bearing deposits | 3,115,000 | 3,809,000 | 3,687,000 | 4,570,000 |
| Equity capital | 6,185,000 | 6,411,000 | 6,630,000 | 6,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,838,000 | 2,819,000 | 3,908,000 |
| Interest expense | 299,000 | 656,000 | 1,058,000 | 1,489,000 |
| Net interest income | 549,000 | 1,182,000 | 1,761,000 | 2,419,000 |
| Noninterest income | 56,000 | 94,000 | 114,000 | 141,000 |
| Noninterest expense | 452,000 | 840,000 | 1,234,000 | 1,595,000 |
| Provision for loan losses | 0 | 40,000 | 60,000 | 200,000 |
| Pretax income | 153,000 | 396,000 | 581,000 | 765,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 396,000 | 581,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,761,000 | 6,004,000 | 6,189,000 | 6,373,000 |
| Total capital | 6,081,000 | 6,364,000 | 6,556,000 | 6,782,000 |
| Risk-weighted assets | 39,149,000 | 44,384,000 | 45,823,000 | 44,789,000 |