Call reports 2014
SOLERA NATIONAL BANK — 2014
What SOLERA NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 168,119,000 | 167,958,000 | 147,992,000 | 144,673,000 |
| Total loans | 90,320,000 | 97,879,000 | 79,343,000 | 80,888,000 |
| Allowance for loan losses | 1,126,000 | 1,300,000 | 1,563,000 | 1,600,000 |
| Securities available for sale | 66,341,000 | 59,652,000 | 58,489,000 | 52,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,893,000 | 129,732,000 | 124,654,000 | 120,874,000 |
| Interest-bearing deposits | 127,775,000 | 124,986,000 | 119,641,000 | 115,021,000 |
| Noninterest-bearing deposits | 6,118,000 | 4,746,000 | 5,013,000 | 5,853,000 |
| Equity capital | 15,791,000 | 16,705,000 | 16,157,000 | 16,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,225,000 | 4,665,000 | 6,050,000 |
| Interest expense | 310,000 | 625,000 | 922,000 | 1,209,000 |
| Net interest income | 1,298,000 | 2,600,000 | 3,743,000 | 4,841,000 |
| Noninterest income | 954,000 | 2,562,000 | 3,074,000 | 2,786,000 |
| Noninterest expense | 2,460,000 | 5,054,000 | 6,924,000 | 7,366,000 |
| Provision for loan losses | 0 | 150,000 | 400,000 | 426,000 |
| Pretax income | -158,000 | 67,000 | -339,000 | 89,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -158,000 | 67,000 | -339,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,107,000 | 16,388,000 | 15,991,000 | 16,428,000 |
| Total capital | 17,233,000 | 17,688,000 | 17,275,000 | 17,727,000 |
| Risk-weighted assets | 112,923,000 | 113,229,000 | 102,463,000 | 103,592,000 |