Call reports 2016
SOLERA NATIONAL BANK — 2016
What SOLERA NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 140,552,000 | 142,844,000 | 149,317,000 | 155,628,000 |
| Total loans | 79,975,000 | 92,548,000 | 100,065,000 | 104,984,000 |
| Allowance for loan losses | 1,557,000 | 1,577,000 | 1,584,000 | 1,599,000 |
| Securities available for sale | 43,752,000 | 36,159,000 | 36,323,000 | 36,133,000 |
| Securities held to maturity | 4,500,000 | 4,500,000 | 4,500,000 | 4,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,949,000 | 118,642,000 | 123,735,000 | 127,858,000 |
| Interest-bearing deposits | 111,874,000 | 114,487,000 | 118,547,000 | 121,911,000 |
| Noninterest-bearing deposits | 4,075,000 | 4,156,000 | 5,188,000 | 5,948,000 |
| Equity capital | 19,189,000 | 19,760,000 | 19,956,000 | 21,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 2,636,000 | 4,036,000 | 5,477,000 |
| Interest expense | 315,000 | 632,000 | 967,000 | 1,302,000 |
| Net interest income | 1,046,000 | 2,004,000 | 3,069,000 | 4,175,000 |
| Noninterest income | 191,000 | 248,000 | 307,000 | 365,000 |
| Noninterest expense | 797,000 | 1,546,000 | 2,360,000 | 3,351,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 491,000 | 826,000 | 1,173,000 | 1,346,000 |
| Income tax | 0 | 0 | 0 | -1,734,000 |
| Net income | 491,000 | 826,000 | 1,173,000 | 3,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,005,000 | 19,355,000 | 19,720,000 | 20,968,000 |
| Total capital | 20,231,000 | 20,665,000 | 21,011,000 | 22,372,000 |
| Risk-weighted assets | 97,763,000 | 104,509,000 | 103,018,000 | 111,888,000 |