Call reports 2010
LUMINATE BANK — 2010
What LUMINATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 53,587,000 | 51,725,000 | 51,790,000 | 50,272,000 |
| Total loans | 47,432,000 | 44,415,000 | 46,571,000 | 45,137,000 |
| Allowance for loan losses | 322,000 | 287,000 | 431,000 | 431,000 |
| Securities available for sale | 1,911,000 | 1,702,000 | 1,492,000 | 1,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,358,000 | 43,973,000 | 42,513,000 | 42,673,000 |
| Interest-bearing deposits | 42,639,000 | 41,999,000 | 40,182,000 | 40,772,000 |
| Noninterest-bearing deposits | 2,719,000 | 1,973,000 | 2,331,000 | 1,901,000 |
| Equity capital | 7,479,000 | 7,626,000 | 7,379,000 | 7,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,768,000 | 2,600,000 | 3,389,000 |
| Interest expense | 243,000 | 480,000 | 715,000 | 941,000 |
| Net interest income | 651,000 | 1,288,000 | 1,885,000 | 2,448,000 |
| Noninterest income | 16,000 | 183,000 | 160,000 | 191,000 |
| Noninterest expense | 576,000 | 1,088,000 | 1,635,000 | 2,122,000 |
| Provision for loan losses | 0 | 150,000 | 415,000 | 415,000 |
| Pretax income | 91,000 | 233,000 | -5,000 | 102,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 88,000 | 230,000 | -8,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,947,000 | 7,089,000 | 6,851,000 | 6,958,000 |
| Total capital | 7,269,000 | 7,376,000 | 7,282,000 | 7,389,000 |
| Risk-weighted assets | 48,423,000 | 46,881,000 | 47,605,000 | 45,568,000 |