Call reports 2024
LUMINATE BANK — 2024
What LUMINATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 225,312,000 | 328,641,000 | 275,791,000 | 335,841,000 |
| Total loans | 177,614,000 | 268,396,000 | 222,643,000 | 266,726,000 |
| Allowance for loan losses | 3,161,000 | 2,897,000 | 3,097,000 | 3,152,000 |
| Securities available for sale | 1,763,000 | 1,785,000 | 1,993,000 | 1,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,635,000 | 193,800,000 | 185,631,000 | 257,014,000 |
| Interest-bearing deposits | 160,140,000 | 184,648,000 | 178,154,000 | 250,922,000 |
| Noninterest-bearing deposits | 7,495,000 | 9,152,000 | 7,477,000 | 6,092,000 |
| Equity capital | 33,370,000 | 37,040,000 | 39,217,000 | 38,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,310,000 | 7,226,000 | 12,232,000 | 16,793,000 |
| Interest expense | 1,757,000 | 4,230,000 | 7,439,000 | 9,738,000 |
| Net interest income | 1,553,000 | 2,996,000 | 4,793,000 | 7,055,000 |
| Noninterest income | 25,551,000 | 66,560,000 | 103,577,000 | 142,658,000 |
| Noninterest expense | 24,828,000 | 62,249,000 | 98,345,000 | 138,728,000 |
| Provision for loan losses | 422,000 | 765,000 | 1,308,000 | 1,788,000 |
| Pretax income | 1,902,000 | 6,582,000 | 8,758,000 | 9,305,000 |
| Income tax | 4,000 | 8,000 | 27,000 | 311,000 |
| Net income | 1,898,000 | 6,574,000 | 8,731,000 | 8,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,429,000 | 35,350,000 | 37,622,000 | 36,781,000 |
| Total capital | 33,781,000 | 38,419,000 | 40,378,000 | 40,046,000 |
| Risk-weighted assets | 185,423,000 | 243,148,000 | 216,895,000 | 261,205,000 |