Call reports 2014
LUMINATE BANK — 2014
What LUMINATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,507,000 | 47,500,000 | 48,887,000 | 49,916,000 |
| Total loans | 40,456,000 | 40,401,000 | 40,038,000 | 40,800,000 |
| Allowance for loan losses | 418,000 | 418,000 | 418,000 | 411,000 |
| Securities available for sale | 164,000 | 142,000 | 133,000 | 124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,752,000 | 40,826,000 | 42,208,000 | 42,977,000 |
| Interest-bearing deposits | 38,403,000 | 38,528,000 | 39,257,000 | 38,503,000 |
| Noninterest-bearing deposits | 2,349,000 | 2,298,000 | 2,951,000 | 4,474,000 |
| Equity capital | 6,672,000 | 6,615,000 | 6,622,000 | 6,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,148,000 | 1,717,000 | 2,249,000 |
| Interest expense | 84,000 | 161,000 | 236,000 | 293,000 |
| Net interest income | 473,000 | 987,000 | 1,481,000 | 1,956,000 |
| Noninterest income | 8,000 | 15,000 | 17,000 | 359,000 |
| Noninterest expense | 462,000 | 955,000 | 1,444,000 | 1,995,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 47,000 | 54,000 | 320,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 19,000 | 46,000 | 52,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,176,000 | 6,120,000 | 6,127,000 | 6,392,000 |
| Total capital | 6,594,000 | 6,538,000 | 6,545,000 | 6,803,000 |
| Risk-weighted assets | 43,784,000 | 43,059,000 | 42,280,000 | 42,859,000 |