Call reports 2015
SOLERA NATIONAL BANK — 2015
What SOLERA NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,543,000 | 140,169,000 | 139,445,000 | 146,094,000 |
| Total loans | 81,896,000 | 83,205,000 | 83,761,000 | 83,148,000 |
| Allowance for loan losses | 1,613,000 | 1,626,000 | 1,609,000 | 1,518,000 |
| Securities available for sale | 47,806,000 | 47,326,000 | 42,734,000 | 48,374,000 |
| Securities held to maturity | 0 | 1,000,000 | 3,750,000 | 4,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,081,000 | 110,926,000 | 114,883,000 | 122,528,000 |
| Interest-bearing deposits | 114,578,000 | 106,892,000 | 110,521,000 | 118,574,000 |
| Noninterest-bearing deposits | 4,503,000 | 4,034,000 | 4,362,000 | 3,954,000 |
| Equity capital | 17,547,000 | 17,376,000 | 18,146,000 | 18,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,633,000 | 3,985,000 | 5,342,000 |
| Interest expense | 271,000 | 544,000 | 830,000 | 1,138,000 |
| Net interest income | 1,063,000 | 2,089,000 | 3,155,000 | 4,204,000 |
| Noninterest income | 63,000 | 127,000 | 489,000 | 559,000 |
| Noninterest expense | 711,000 | 1,489,000 | 2,348,000 | 3,127,000 |
| Provision for loan losses | 0 | 0 | -50,000 | -50,000 |
| Pretax income | 515,000 | 862,000 | 1,526,000 | 1,872,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 515,000 | 862,000 | 1,526,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,168,000 | 17,522,000 | 18,196,000 | 18,557,000 |
| Total capital | 18,438,000 | 18,792,000 | 19,518,000 | 19,797,000 |
| Risk-weighted assets | 101,287,000 | 101,281,000 | 105,455,000 | 98,944,000 |