Call reports 2012
LUMINATE BANK — 2012
What LUMINATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 51,681,000 | 50,496,000 | 48,104,000 | 49,239,000 |
| Total loans | 45,447,000 | 41,660,000 | 42,727,000 | 42,186,000 |
| Allowance for loan losses | 418,000 | 418,000 | 418,000 | 418,000 |
| Securities available for sale | 509,000 | 438,000 | 374,000 | 312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,342,000 | 43,906,000 | 40,882,000 | 42,497,000 |
| Interest-bearing deposits | 41,238,000 | 41,823,000 | 38,437,000 | 38,712,000 |
| Noninterest-bearing deposits | 3,103,000 | 2,083,000 | 2,445,000 | 3,785,000 |
| Equity capital | 6,490,000 | 6,479,000 | 6,537,000 | 6,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,471,000 | 2,144,000 | 2,803,000 |
| Interest expense | 202,000 | 370,000 | 516,000 | 655,000 |
| Net interest income | 558,000 | 1,101,000 | 1,628,000 | 2,148,000 |
| Noninterest income | 15,000 | 27,000 | 32,000 | 42,000 |
| Noninterest expense | 535,000 | 1,094,000 | 1,570,000 | 2,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 34,000 | 90,000 | 138,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 37,000 | 33,000 | 89,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,976,000 | 5,971,000 | 6,028,000 | 6,076,000 |
| Total capital | 6,394,000 | 6,389,000 | 6,446,000 | 6,494,000 |
| Risk-weighted assets | 48,907,000 | 45,440,000 | 46,118,000 | 45,993,000 |