Call reports 2019
SOLERA NATIONAL BANK — 2019
What SOLERA NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 229,674,000 | 243,329,000 | 277,805,000 | 282,091,000 |
| Total loans | 175,849,000 | 180,918,000 | 192,134,000 | 214,794,000 |
| Allowance for loan losses | 2,335,000 | 2,337,000 | 2,395,000 | 2,770,000 |
| Securities available for sale | 34,083,000 | 26,979,000 | 27,485,000 | 29,094,000 |
| Securities held to maturity | 6,406,000 | 6,408,000 | 6,409,000 | 6,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,874,000 | 201,672,000 | 235,124,000 | 238,530,000 |
| Interest-bearing deposits | 92,683,000 | 87,229,000 | 87,394,000 | 84,677,000 |
| Noninterest-bearing deposits | 95,192,000 | 114,443,000 | 147,730,000 | 153,853,000 |
| Equity capital | 35,637,000 | 37,053,000 | 38,179,000 | 38,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,553,000 | 5,190,000 | 7,950,000 | 10,797,000 |
| Interest expense | 423,000 | 804,000 | 1,186,000 | 1,516,000 |
| Net interest income | 2,130,000 | 4,386,000 | 6,764,000 | 9,281,000 |
| Noninterest income | 70,000 | 168,000 | 261,000 | 416,000 |
| Noninterest expense | 997,000 | 2,296,000 | 3,433,000 | 4,753,000 |
| Provision for loan losses | 71,000 | 83,000 | 162,000 | 540,000 |
| Pretax income | 1,132,000 | 2,329,000 | 3,595,000 | 4,682,000 |
| Income tax | 270,000 | 555,000 | 858,000 | 1,050,000 |
| Net income | 862,000 | 1,774,000 | 2,737,000 | 3,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,783,000 | 36,933,000 | 37,913,000 | 38,824,000 |
| Total capital | 38,082,000 | 39,221,000 | 40,308,000 | 41,594,000 |
| Risk-weighted assets | 183,874,000 | 183,005,000 | 200,000,000 | 229,941,000 |