Call reports 2021
LUMINATE BANK — 2021
What LUMINATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 92,153,000 | 94,727,000 | 96,199,000 | 107,113,000 |
| Total loans | 56,615,000 | 58,121,000 | 71,562,000 | 80,945,000 |
| Allowance for loan losses | 661,000 | 711,000 | 837,000 | 901,000 |
| Securities available for sale | 1,800,000 | 1,793,000 | 1,798,000 | 1,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,183,000 | 82,204,000 | 83,194,000 | 93,762,000 |
| Interest-bearing deposits | 65,098,000 | 67,007,000 | 68,118,000 | 77,448,000 |
| Noninterest-bearing deposits | 19,085,000 | 15,197,000 | 15,076,000 | 16,314,000 |
| Equity capital | 7,729,000 | 12,300,000 | 12,594,000 | 12,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,845,000 | 2,717,000 | 3,804,000 |
| Interest expense | 80,000 | 177,000 | 274,000 | 364,000 |
| Net interest income | 852,000 | 1,668,000 | 2,443,000 | 3,440,000 |
| Noninterest income | 258,000 | 503,000 | 960,000 | 1,389,000 |
| Noninterest expense | 882,000 | 1,814,000 | 2,632,000 | 3,646,000 |
| Provision for loan losses | 0 | 50,000 | 175,000 | 237,000 |
| Pretax income | 228,000 | 307,000 | 596,000 | 946,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 228,000 | 307,000 | 596,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,211,000 | 11,791,000 | 12,009,000 | 12,298,000 |
| Total capital | 7,655,000 | 12,367,000 | 12,725,000 | 13,163,000 |
| Risk-weighted assets | 35,356,000 | 46,012,000 | 57,214,000 | 69,189,000 |