Call reports 2018
LUMINATE BANK — 2018
What LUMINATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 47,212,000 | 45,782,000 | 42,028,000 | 45,881,000 |
| Total loans | 41,395,000 | 38,972,000 | 37,760,000 | 36,605,000 |
| Allowance for loan losses | 534,000 | 517,000 | 531,000 | 655,000 |
| Securities available for sale | 36,000 | 32,000 | 27,000 | 24,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,064,000 | 36,788,000 | 33,034,000 | 34,760,000 |
| Interest-bearing deposits | 33,207,000 | 33,876,000 | 28,921,000 | 29,687,000 |
| Noninterest-bearing deposits | 2,857,000 | 2,912,000 | 4,113,000 | 5,073,000 |
| Equity capital | 5,974,000 | 5,804,000 | 5,809,000 | 6,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,075,000 | 1,608,000 | 2,121,000 |
| Interest expense | 123,000 | 262,000 | 404,000 | 540,000 |
| Net interest income | 434,000 | 813,000 | 1,204,000 | 1,581,000 |
| Noninterest income | 28,000 | 28,000 | -29,000 | 27,000 |
| Noninterest expense | 503,000 | 1,041,000 | 1,370,000 | 1,966,000 |
| Provision for loan losses | -25,000 | -14,000 | -14,000 | 109,000 |
| Pretax income | -16,000 | -186,000 | -181,000 | -467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -16,000 | -186,000 | -181,000 | -467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,487,000 | 5,317,000 | 5,322,000 | 6,028,000 |
| Total capital | 5,960,000 | 5,778,000 | 5,768,000 | 6,456,000 |
| Risk-weighted assets | 37,768,000 | 36,815,000 | 35,647,000 | 34,117,000 |