Call reports 2007
LUMINATE BANK — 2007
What LUMINATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,946,000 | 50,058,000 | 51,781,000 | 51,214,000 |
| Total loans | 39,216,000 | 38,661,000 | 38,629,000 | 39,749,000 |
| Allowance for loan losses | 349,000 | 347,000 | 346,000 | 346,000 |
| Securities available for sale | 3,417,000 | 3,107,000 | 2,825,000 | 3,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,096,000 | 39,057,000 | 40,516,000 | 37,371,000 |
| Interest-bearing deposits | 36,045,000 | 34,685,000 | 36,874,000 | 33,267,000 |
| Noninterest-bearing deposits | 4,051,000 | 4,372,000 | 3,642,000 | 4,104,000 |
| Equity capital | 7,007,000 | 7,090,000 | 7,266,000 | 7,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,855,000 | 2,866,000 | 3,789,000 |
| Interest expense | 400,000 | 824,000 | 1,273,000 | 1,722,000 |
| Net interest income | 537,000 | 1,031,000 | 1,593,000 | 2,067,000 |
| Noninterest income | 21,000 | 40,000 | 58,000 | 77,000 |
| Noninterest expense | 442,000 | 866,000 | 1,296,000 | 1,721,000 |
| Provision for loan losses | -63,000 | -63,000 | -63,000 | -63,000 |
| Pretax income | 179,000 | 268,000 | 418,000 | 486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 268,000 | 418,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,552,000 | 6,641,000 | 6,792,000 | 6,858,000 |
| Total capital | 6,901,000 | 6,988,000 | 7,138,000 | 7,204,000 |
| Risk-weighted assets | 42,777,000 | 42,642,000 | 42,804,000 | 44,220,000 |