Call reports 2023
SOLERA NATIONAL BANK — 2023
What SOLERA NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,149,621,000 | 1,174,288,000 | 1,170,718,000 | 1,227,867,000 |
| Total loans | 717,944,000 | 745,665,000 | 746,198,000 | 787,280,000 |
| Allowance for loan losses | 8,847,000 | 9,403,000 | 9,405,000 | 9,607,000 |
| Securities available for sale | 168,708,000 | 172,382,000 | 169,745,000 | 183,578,000 |
| Securities held to maturity | 206,861,000 | 206,180,000 | 199,888,000 | 200,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 950,861,000 | 932,417,000 | 1,060,295,000 | 970,228,000 |
| Interest-bearing deposits | 414,474,000 | 393,482,000 | 551,828,000 | 458,599,000 |
| Noninterest-bearing deposits | 536,387,000 | 538,935,000 | 508,467,000 | 511,629,000 |
| Equity capital | 63,733,000 | 67,712,000 | 65,154,000 | 79,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 13,388,000 | 27,937,000 | 43,623,000 | 59,999,000 |
| Interest expense | 5,227,000 | 11,354,000 | 18,530,000 | 26,259,000 |
| Net interest income | 8,161,000 | 16,583,000 | 25,093,000 | 33,740,000 |
| Noninterest income | 1,152,000 | 2,542,000 | 3,736,000 | 4,880,000 |
| Noninterest expense | 3,468,000 | 8,065,000 | 11,812,000 | 15,900,000 |
| Provision for loan losses | 759,000 | 1,318,000 | 1,328,000 | 1,531,000 |
| Pretax income | 5,328,000 | 9,984,000 | 15,931,000 | 21,499,000 |
| Income tax | 703,000 | 1,686,000 | 2,718,000 | 4,666,000 |
| Net income | 4,625,000 | 8,298,000 | 13,213,000 | 16,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,015,000 | 84,638,000 | 89,552,000 | 93,173,000 |
| Total capital | 89,992,000 | 94,171,000 | 99,087,000 | 102,910,000 |
| Risk-weighted assets | 895,972,000 | 931,502,000 | 925,669,000 | 913,632,000 |