Call reports 2023
LUMINATE BANK — 2023
What LUMINATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 195,096,000 | 248,395,000 | 223,717,000 | 224,345,000 |
| Total loans | 159,513,000 | 213,646,000 | 178,897,000 | 176,469,000 |
| Allowance for loan losses | 2,987,000 | 2,826,000 | 3,045,000 | 3,058,000 |
| Securities available for sale | 1,699,000 | 1,696,000 | 1,718,000 | 1,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,398,000 | 124,919,000 | 156,125,000 | 158,067,000 |
| Interest-bearing deposits | 113,672,000 | 120,727,000 | 152,212,000 | 152,073,000 |
| Noninterest-bearing deposits | 5,726,000 | 4,192,000 | 3,913,000 | 5,994,000 |
| Equity capital | 25,040,000 | 28,772,000 | 30,704,000 | 30,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,800,000 | 6,460,000 | 10,396,000 | 13,892,000 |
| Interest expense | 1,128,000 | 3,504,000 | 5,686,000 | 7,558,000 |
| Net interest income | 1,672,000 | 2,956,000 | 4,710,000 | 6,334,000 |
| Noninterest income | 22,671,000 | 59,202,000 | 93,276,000 | 116,567,000 |
| Noninterest expense | 22,717,000 | 55,577,000 | 88,484,000 | 115,089,000 |
| Provision for loan losses | 1,007,000 | 2,105,000 | 2,816,000 | 3,287,000 |
| Pretax income | 559,000 | 4,403,000 | 6,505,000 | 4,329,000 |
| Income tax | 7,000 | 115,000 | 307,000 | 29,000 |
| Net income | 552,000 | 4,288,000 | 6,198,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,138,000 | 27,842,000 | 29,627,000 | 28,335,000 |
| Total capital | 26,175,000 | 30,638,000 | 32,136,000 | 30,759,000 |
| Risk-weighted assets | 161,145,000 | 222,244,000 | 198,351,000 | 191,439,000 |