Call reports 2016
LUMINATE BANK — 2016
What LUMINATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,359,000 | 53,438,000 | 50,877,000 | 52,732,000 |
| Total loans | 41,774,000 | 42,800,000 | 42,123,000 | 43,251,000 |
| Allowance for loan losses | 407,000 | 407,000 | 407,000 | 401,000 |
| Securities available for sale | 634,000 | 627,000 | 619,000 | 613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,602,000 | 42,679,000 | 40,105,000 | 40,259,000 |
| Interest-bearing deposits | 35,789,000 | 38,472,000 | 36,314,000 | 33,868,000 |
| Noninterest-bearing deposits | 3,813,000 | 4,207,000 | 3,791,000 | 6,391,000 |
| Equity capital | 6,615,000 | 6,635,000 | 6,592,000 | 6,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,164,000 | 1,702,000 | 2,284,000 |
| Interest expense | 72,000 | 147,000 | 237,000 | 309,000 |
| Net interest income | 492,000 | 1,017,000 | 1,465,000 | 1,975,000 |
| Noninterest income | 3,000 | 7,000 | 10,000 | -123,000 |
| Noninterest expense | 502,000 | 1,011,000 | 1,503,000 | 2,035,000 |
| Provision for loan losses | 0 | 0 | 0 | 129,000 |
| Pretax income | -7,000 | 13,000 | -28,000 | -312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -7,000 | 13,000 | -28,000 | -312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,128,000 | 6,142,000 | 6,101,000 | 5,817,000 |
| Total capital | 6,535,000 | 6,549,000 | 6,508,000 | 6,218,000 |
| Risk-weighted assets | 44,459,000 | 40,954,000 | 40,068,000 | 40,809,000 |