Call reports 2025
LUMINATE BANK — 2025
What LUMINATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 341,346,000 | 412,454,000 | 455,720,000 | 511,047,000 |
| Total loans | 292,130,000 | 338,115,000 | 334,509,000 | 372,234,000 |
| Allowance for loan losses | 3,059,000 | 5,231,000 | 5,331,000 | 4,787,000 |
| Securities available for sale | 1,986,000 | 1,997,000 | 2,000,000 | 1,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,351,000 | 343,906,000 | 366,317,000 | 431,804,000 |
| Interest-bearing deposits | 244,092,000 | 337,881,000 | 359,589,000 | 427,323,000 |
| Noninterest-bearing deposits | 7,259,000 | 6,025,000 | 6,728,000 | 4,481,000 |
| Equity capital | 38,735,000 | 39,169,000 | 43,972,000 | 48,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,113,000 | 10,490,000 | 18,120,000 | 26,802,000 |
| Interest expense | 2,481,000 | 5,038,000 | 8,458,000 | 11,112,000 |
| Net interest income | 2,632,000 | 5,452,000 | 9,662,000 | 15,690,000 |
| Noninterest income | 23,031,000 | 54,722,000 | 93,981,000 | 131,410,000 |
| Noninterest expense | 24,605,000 | 52,107,000 | 89,709,000 | 128,404,000 |
| Provision for loan losses | 491,000 | 3,448,000 | 3,407,000 | 3,390,000 |
| Pretax income | 596,000 | 4,697,000 | 10,605,000 | 15,384,000 |
| Income tax | 73,000 | 92,000 | 100,000 | 102,000 |
| Net income | 523,000 | 4,605,000 | 10,505,000 | 15,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,460,000 | 37,950,000 | 42,795,000 | 47,763,000 |
| Total capital | 40,467,000 | 41,917,000 | 47,017,000 | 52,537,000 |
| Risk-weighted assets | 240,453,000 | 316,053,000 | 336,672,000 | 381,920,000 |