Call reports 2011
LUMINATE BANK — 2011
What LUMINATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,623,000 | 51,896,000 | 51,342,000 | 52,602,000 |
| Total loans | 45,800,000 | 45,875,000 | 43,735,000 | 44,685,000 |
| Allowance for loan losses | 431,000 | 431,000 | 431,000 | 418,000 |
| Securities available for sale | 953,000 | 777,000 | 679,000 | 590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,118,000 | 44,502,000 | 43,905,000 | 45,091,000 |
| Interest-bearing deposits | 41,766,000 | 41,902,000 | 42,146,000 | 41,615,000 |
| Noninterest-bearing deposits | 2,352,000 | 2,600,000 | 1,760,000 | 3,475,000 |
| Equity capital | 7,388,000 | 7,284,000 | 7,291,000 | 7,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,462,000 | 2,165,000 | 2,894,000 |
| Interest expense | 178,000 | 447,000 | 669,000 | 882,000 |
| Net interest income | 551,000 | 1,015,000 | 1,496,000 | 2,012,000 |
| Noninterest income | 2,000 | 10,000 | 47,000 | 51,000 |
| Noninterest expense | 542,000 | 1,121,000 | 1,631,000 | 1,883,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | -96,000 | -88,000 | 180,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | -96,000 | -88,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,770,000 | 6,763,000 | 6,772,000 | 6,859,000 |
| Total capital | 7,201,000 | 7,194,000 | 7,203,000 | 7,277,000 |
| Risk-weighted assets | 46,578,000 | 46,895,000 | 46,420,000 | 47,648,000 |