Call reports 2009
LUMINATE BANK — 2009
What LUMINATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,036,000 | 54,716,000 | 55,542,000 | 54,717,000 |
| Total loans | 42,756,000 | 45,060,000 | 46,546,000 | 48,748,000 |
| Allowance for loan losses | 335,000 | 335,000 | 335,000 | 335,000 |
| Securities available for sale | 1,928,000 | 2,627,000 | 2,377,000 | 2,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,502,000 | 43,560,000 | 45,630,000 | 44,181,000 |
| Interest-bearing deposits | 40,734,000 | 40,494,000 | 43,048,000 | 41,441,000 |
| Noninterest-bearing deposits | 2,768,000 | 3,066,000 | 2,582,000 | 2,740,000 |
| Equity capital | 7,357,000 | 7,538,000 | 7,816,000 | 7,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,582,000 | 2,539,000 | 3,403,000 |
| Interest expense | 257,000 | 477,000 | 709,000 | 935,000 |
| Net interest income | 459,000 | 1,105,000 | 1,830,000 | 2,468,000 |
| Noninterest income | 34,000 | 59,000 | 176,000 | -263,000 |
| Noninterest expense | 475,000 | 976,000 | 1,572,000 | 2,165,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 188,000 | 434,000 | 40,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 18,000 | 188,000 | 434,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,877,000 | 7,045,000 | 7,293,000 | 6,899,000 |
| Total capital | 7,212,000 | 7,380,000 | 7,628,000 | 7,234,000 |
| Risk-weighted assets | 49,458,000 | 51,153,000 | 51,680,000 | 49,439,000 |