Call reports 2010
SOLERA NATIONAL BANK — 2010
What SOLERA NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 137,530,000 | 140,347,000 | 136,240,000 | 140,162,000 |
| Total loans | 56,207,000 | 60,683,000 | 60,293,000 | 58,822,000 |
| Allowance for loan losses | 945,000 | 940,000 | 1,200,000 | 1,175,000 |
| Securities available for sale | 71,303,000 | 74,975,000 | 72,876,000 | 76,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,919,000 | 115,068,000 | 111,043,000 | 113,595,000 |
| Interest-bearing deposits | 110,278,000 | 113,356,000 | 109,148,000 | 111,705,000 |
| Noninterest-bearing deposits | 2,641,000 | 1,711,000 | 1,895,000 | 1,891,000 |
| Equity capital | 16,323,000 | 17,432,000 | 17,498,000 | 15,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,180,000 | 4,805,000 | 6,391,000 |
| Interest expense | 599,000 | 1,163,000 | 1,692,000 | 2,186,000 |
| Net interest income | 974,000 | 2,017,000 | 3,113,000 | 4,205,000 |
| Noninterest income | 17,000 | 37,000 | 81,000 | 100,000 |
| Noninterest expense | 936,000 | 1,934,000 | 3,054,000 | 4,136,000 |
| Provision for loan losses | 115,000 | 295,000 | 1,075,000 | 1,110,000 |
| Pretax income | 203,000 | 356,000 | -72,000 | 397,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 356,000 | -72,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,195,000 | 15,386,000 | 14,996,000 | 15,503,000 |
| Total capital | 16,140,000 | 16,326,000 | 16,075,000 | 16,627,000 |
| Risk-weighted assets | 83,497,000 | 87,946,000 | 86,173,000 | 89,076,000 |