Call reports 2019
LUMINATE BANK — 2019
What LUMINATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 47,388,000 | 49,377,000 | 51,591,000 | 54,288,000 |
| Total loans | 43,398,000 | 43,676,000 | 43,758,000 | 46,353,000 |
| Allowance for loan losses | 656,000 | 694,000 | 371,000 | 521,000 |
| Securities available for sale | 20,000 | 16,000 | 13,000 | 2,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,014,000 | 38,978,000 | 43,385,000 | 45,337,000 |
| Interest-bearing deposits | 33,059,000 | 34,807,000 | 39,235,000 | 39,382,000 |
| Noninterest-bearing deposits | 2,955,000 | 4,171,000 | 4,150,000 | 5,955,000 |
| Equity capital | 6,608,000 | 6,751,000 | 6,882,000 | 6,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 575,000 | 1,316,000 | 2,025,000 | 2,687,000 |
| Interest expense | 146,000 | 336,000 | 524,000 | 676,000 |
| Net interest income | 429,000 | 980,000 | 1,501,000 | 2,011,000 |
| Noninterest income | 5,000 | 171,000 | 927,000 | 934,000 |
| Noninterest expense | 516,000 | 1,622,000 | 2,768,000 | 3,207,000 |
| Provision for loan losses | 0 | 38,000 | 38,000 | 266,000 |
| Pretax income | -82,000 | -509,000 | -378,000 | -528,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -82,000 | -509,000 | -378,000 | -528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,122,000 | 6,264,000 | 6,395,000 | 6,245,000 |
| Total capital | 6,608,000 | 6,746,000 | 6,766,000 | 6,715,000 |
| Risk-weighted assets | 38,613,000 | 38,359,000 | 39,024,000 | 37,660,000 |