Call reports 2008
LUMINATE BANK — 2008
What LUMINATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,943,000 | 54,850,000 | 51,685,000 | 55,052,000 |
| Total loans | 39,663,000 | 42,592,000 | 41,630,000 | 43,433,000 |
| Allowance for loan losses | 345,000 | 355,000 | 355,000 | 335,000 |
| Securities available for sale | 2,936,000 | 5,401,000 | 3,403,000 | 4,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,979,000 | 38,956,000 | 35,518,000 | 38,678,000 |
| Interest-bearing deposits | 36,178,000 | 35,496,000 | 32,980,000 | 35,160,000 |
| Noninterest-bearing deposits | 2,801,000 | 3,460,000 | 2,538,000 | 3,518,000 |
| Equity capital | 7,386,000 | 7,410,000 | 7,528,000 | 7,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,678,000 | 2,551,000 | 3,343,000 |
| Interest expense | 440,000 | 840,000 | 1,205,000 | 1,542,000 |
| Net interest income | 405,000 | 838,000 | 1,346,000 | 1,801,000 |
| Noninterest income | 81,000 | 149,000 | 183,000 | 217,000 |
| Noninterest expense | 451,000 | 895,000 | 1,334,000 | 1,810,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | -10,000 |
| Pretax income | 35,000 | 82,000 | 185,000 | 218,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 82,000 | 185,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,895,000 | 6,941,000 | 7,044,000 | 7,077,000 |
| Total capital | 7,240,000 | 7,296,000 | 7,399,000 | 7,412,000 |
| Risk-weighted assets | 45,828,000 | 46,800,000 | 47,968,000 | 50,484,000 |