Call reports 2017
LUMINATE BANK — 2017
What LUMINATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 51,761,000 | 49,598,000 | 48,796,000 | 51,251,000 |
| Total loans | 44,103,000 | 42,118,000 | 42,726,000 | 43,128,000 |
| Allowance for loan losses | 401,000 | 401,000 | 531,000 | 559,000 |
| Securities available for sale | 608,000 | 601,000 | 46,000 | 41,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,253,000 | 39,120,000 | 38,478,000 | 41,115,000 |
| Interest-bearing deposits | 36,292,000 | 36,916,000 | 35,293,000 | 36,208,000 |
| Noninterest-bearing deposits | 4,961,000 | 2,204,000 | 3,185,000 | 4,907,000 |
| Equity capital | 6,320,000 | 6,298,000 | 6,146,000 | 5,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,139,000 | 1,740,000 | 2,279,000 |
| Interest expense | 98,000 | 198,000 | 311,000 | 425,000 |
| Net interest income | 467,000 | 941,000 | 1,429,000 | 1,854,000 |
| Noninterest income | 2,000 | 11,000 | 22,000 | -23,000 |
| Noninterest expense | 455,000 | 959,000 | 1,455,000 | 1,962,000 |
| Provision for loan losses | 0 | 0 | 155,000 | 183,000 |
| Pretax income | 14,000 | -7,000 | -159,000 | -314,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,000 | -7,000 | -159,000 | -314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,831,000 | 5,810,000 | 5,658,000 | 5,503,000 |
| Total capital | 6,232,000 | 6,211,000 | 6,146,000 | 5,991,000 |
| Risk-weighted assets | 40,555,000 | 38,944,000 | 39,022,000 | 38,978,000 |