Call reports 2015
LUMINATE BANK — 2015
What LUMINATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 47,474,000 | 49,484,000 | 50,434,000 | 50,687,000 |
| Total loans | 37,823,000 | 40,977,000 | 41,604,000 | 41,101,000 |
| Allowance for loan losses | 412,000 | 407,000 | 407,000 | 407,000 |
| Securities available for sale | 117,000 | 665,000 | 653,000 | 641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,664,000 | 42,764,000 | 41,722,000 | 41,948,000 |
| Interest-bearing deposits | 37,446,000 | 40,359,000 | 37,652,000 | 36,483,000 |
| Noninterest-bearing deposits | 3,218,000 | 2,405,000 | 4,070,000 | 5,465,000 |
| Equity capital | 6,733,000 | 6,636,000 | 6,623,000 | 6,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 554,000 | 1,110,000 | 1,659,000 | 2,245,000 |
| Interest expense | 62,000 | 125,000 | 188,000 | 254,000 |
| Net interest income | 492,000 | 985,000 | 1,471,000 | 1,991,000 |
| Noninterest income | 42,000 | 10,000 | 19,000 | -23,000 |
| Noninterest expense | 561,000 | 1,117,000 | 1,624,000 | 2,104,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -27,000 | -122,000 | -134,000 | -136,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | -27,000 | -123,000 | -135,000 | -136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,238,000 | 6,142,000 | 6,130,000 | 6,134,000 |
| Total capital | 6,650,000 | 6,549,000 | 6,537,000 | 6,541,000 |
| Risk-weighted assets | 40,546,000 | 42,610,000 | 43,031,000 | 44,355,000 |