Call reports 2020
LUMINATE BANK — 2020
What LUMINATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 45,141,000 | 59,098,000 | 63,784,000 | 76,628,000 |
| Total loans | 39,313,000 | 50,907,000 | 57,609,000 | 48,848,000 |
| Allowance for loan losses | 487,000 | 462,000 | 495,000 | 659,000 |
| Securities available for sale | 7,000 | 3,000 | 1,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,899,000 | 52,110,000 | 56,397,000 | 68,325,000 |
| Interest-bearing deposits | 33,567,000 | 44,405,000 | 48,783,000 | 46,667,000 |
| Noninterest-bearing deposits | 4,332,000 | 7,705,000 | 7,614,000 | 21,658,000 |
| Equity capital | 6,753,000 | 6,791,000 | 7,056,000 | 7,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,324,000 | 2,099,000 | 3,398,000 |
| Interest expense | 139,000 | 245,000 | 339,000 | 423,000 |
| Net interest income | 488,000 | 1,079,000 | 1,760,000 | 2,975,000 |
| Noninterest income | 377,000 | 977,000 | 1,572,000 | 1,996,000 |
| Noninterest expense | 844,000 | 1,934,000 | 2,912,000 | 3,944,000 |
| Provision for loan losses | 0 | 63,000 | 96,000 | 258,000 |
| Pretax income | 21,000 | 59,000 | 324,000 | 769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | 59,000 | 324,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,266,000 | 6,304,000 | 6,491,000 | 6,982,000 |
| Total capital | 6,709,000 | 6,710,000 | — | 7,402,000 |
| Risk-weighted assets | 35,478,000 | 32,392,000 | — | 33,367,000 |