Call reports 2013
LUMINATE BANK — 2013
What LUMINATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 46,767,000 | 46,959,000 | 46,214,000 | 47,661,000 |
| Total loans | 39,275,000 | 40,224,000 | 39,309,000 | 41,827,000 |
| Allowance for loan losses | 418,000 | 418,000 | 418,000 | 418,000 |
| Securities available for sale | 241,000 | 207,000 | 194,000 | 174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,150,000 | 40,414,000 | 39,529,000 | 40,049,000 |
| Interest-bearing deposits | 36,962,000 | 37,730,000 | 36,037,000 | 35,711,000 |
| Noninterest-bearing deposits | 3,187,000 | 2,684,000 | 3,492,000 | 4,338,000 |
| Equity capital | 6,468,000 | 6,423,000 | 6,600,000 | 6,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,214,000 | 1,836,000 | 2,444,000 |
| Interest expense | 121,000 | 237,000 | 333,000 | 430,000 |
| Net interest income | 485,000 | 977,000 | 1,503,000 | 2,014,000 |
| Noninterest income | 4,000 | 9,000 | 180,000 | 211,000 |
| Noninterest expense | 474,000 | 1,015,000 | 1,535,000 | 2,020,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | -29,000 | 148,000 | 205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | -29,000 | 148,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,966,000 | 5,923,000 | 6,099,000 | 6,157,000 |
| Total capital | 6,384,000 | 6,341,000 | 6,517,000 | 6,575,000 |
| Risk-weighted assets | 44,791,000 | 45,126,000 | 43,921,000 | 46,092,000 |