Call reports 2022
LUMINATE BANK — 2022
What LUMINATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 128,284,000 | 145,952,000 | 150,524,000 | 156,413,000 |
| Total loans | 93,311,000 | 125,945,000 | 119,768,000 | 136,526,000 |
| Allowance for loan losses | 1,075,000 | 1,654,000 | 1,859,000 | 2,453,000 |
| Securities available for sale | 1,718,000 | 1,701,000 | 1,663,000 | 1,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,447,000 | 90,999,000 | 113,500,000 | 118,857,000 |
| Interest-bearing deposits | 69,473,000 | 72,247,000 | 100,405,000 | 112,585,000 |
| Noninterest-bearing deposits | 22,974,000 | 18,752,000 | 13,095,000 | 6,272,000 |
| Equity capital | 25,668,000 | 25,544,000 | 26,504,000 | 24,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 3,267,000 | 5,332,000 | 7,781,000 |
| Interest expense | 307,000 | 651,000 | 1,074,000 | 1,739,000 |
| Net interest income | 1,153,000 | 2,616,000 | 4,258,000 | 6,042,000 |
| Noninterest income | 9,951,000 | 20,898,000 | 30,311,000 | 35,076,000 |
| Noninterest expense | 10,599,000 | 22,071,000 | 31,713,000 | 38,932,000 |
| Provision for loan losses | 173,000 | 750,000 | 1,006,000 | 1,846,000 |
| Pretax income | 332,000 | 693,000 | 1,850,000 | 340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 332,000 | 693,000 | 1,850,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,097,000 | 24,937,000 | 25,827,000 | 23,875,000 |
| Total capital | 26,662,000 | 26,696,000 | 27,347,000 | 25,475,000 |
| Risk-weighted assets | 194,757,000 | 140,546,000 | 120,974,000 | 126,834,000 |