Call reports 2013
SOLERA NATIONAL BANK — 2013
What SOLERA NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,243,000 | 170,214,000 | 172,318,000 | 169,665,000 |
| Total loans | 83,916,000 | 83,151,000 | 82,314,000 | 87,237,000 |
| Allowance for loan losses | 1,074,000 | 1,088,000 | 1,101,000 | 1,116,000 |
| Securities available for sale | 75,739,000 | 75,375,000 | 77,648,000 | 69,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,592,000 | 126,739,000 | 129,391,000 | 134,665,000 |
| Interest-bearing deposits | 122,126,000 | 122,124,000 | 124,649,000 | 128,302,000 |
| Noninterest-bearing deposits | 3,466,000 | 4,615,000 | 4,742,000 | 6,362,000 |
| Equity capital | 18,209,000 | 16,719,000 | 16,270,000 | 15,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,767,000 | 4,281,000 | 5,817,000 |
| Interest expense | 296,000 | 594,000 | 906,000 | 1,220,000 |
| Net interest income | 1,050,000 | 2,173,000 | 3,375,000 | 4,597,000 |
| Noninterest income | 1,563,000 | 4,109,000 | 5,744,000 | 7,015,000 |
| Noninterest expense | 2,429,000 | 5,742,000 | 9,192,000 | 12,346,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 284,000 | 785,000 | 221,000 | -347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 284,000 | 785,000 | 221,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,041,000 | 17,126,000 | 16,710,000 | 16,214,000 |
| Total capital | 18,115,000 | 18,214,000 | 17,811,000 | 17,330,000 |
| Risk-weighted assets | 106,233,000 | 108,697,000 | 111,680,000 | 112,873,000 |