Call reports 2011
SOLERA NATIONAL BANK — 2011
What SOLERA NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 139,755,000 | 140,177,000 | 140,687,000 | 145,371,000 |
| Total loans | 58,130,000 | 58,889,000 | 55,651,000 | 55,568,000 |
| Allowance for loan losses | 1,175,000 | 1,284,000 | 1,069,000 | 1,067,000 |
| Securities available for sale | 76,682,000 | 74,290,000 | 81,878,000 | 83,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,050,000 | 115,987,000 | 115,037,000 | 121,386,000 |
| Interest-bearing deposits | 114,681,000 | 113,582,000 | 112,245,000 | 117,835,000 |
| Noninterest-bearing deposits | 2,369,000 | 2,405,000 | 2,792,000 | 3,551,000 |
| Equity capital | 15,745,000 | 16,753,000 | 16,216,000 | 16,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 3,010,000 | 4,439,000 | 5,749,000 |
| Interest expense | 430,000 | 837,000 | 1,234,000 | 1,599,000 |
| Net interest income | 1,076,000 | 2,173,000 | 3,205,000 | 4,150,000 |
| Noninterest income | 18,000 | 37,000 | 32,000 | 49,000 |
| Noninterest expense | 1,161,000 | 2,202,000 | 3,317,000 | 4,372,000 |
| Provision for loan losses | 0 | 120,000 | 130,000 | 155,000 |
| Pretax income | -69,000 | 111,000 | 346,000 | 542,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -69,000 | 111,000 | 346,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,469,000 | 15,679,000 | 15,936,000 | 16,143,000 |
| Total capital | 16,577,000 | 16,746,000 | 16,939,000 | 17,193,000 |
| Risk-weighted assets | 88,564,000 | 85,150,000 | 80,223,000 | 84,009,000 |