Call reports 2025
SOLERA NATIONAL BANK — 2025
What SOLERA NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,111,032,000 | 1,238,697,000 | 1,168,621,000 | 1,552,203,000 |
| Total loans | 766,692,000 | 754,518,000 | 764,433,000 | 829,057,000 |
| Allowance for loan losses | 10,914,000 | 11,219,000 | 11,218,000 | 12,225,000 |
| Securities available for sale | 290,397,000 | 422,112,000 | 324,376,000 | 650,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 918,164,000 | 1,104,485,000 | 1,021,175,000 | 1,125,001,000 |
| Interest-bearing deposits | 452,448,000 | 641,344,000 | 568,889,000 | 653,664,000 |
| Noninterest-bearing deposits | 465,716,000 | 463,141,000 | 452,286,000 | 471,337,000 |
| Equity capital | 91,260,000 | 92,766,000 | 105,887,000 | 107,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 16,814,000 | 34,638,000 | 51,831,000 | 71,200,000 |
| Interest expense | 6,509,000 | 14,137,000 | 21,133,000 | 29,572,000 |
| Net interest income | 10,305,000 | 20,501,000 | 30,698,000 | 41,628,000 |
| Noninterest income | 1,107,000 | 2,075,000 | 3,070,000 | 3,642,000 |
| Noninterest expense | 4,973,000 | 10,216,000 | 15,812,000 | 21,615,000 |
| Provision for loan losses | 7,000 | 317,000 | 322,000 | 1,332,000 |
| Pretax income | 6,432,000 | 14,752,000 | 23,329,000 | 31,314,000 |
| Income tax | 1,737,000 | 4,066,000 | 6,026,000 | 8,085,000 |
| Net income | 4,695,000 | 10,686,000 | 17,303,000 | 23,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,344,000 | 122,250,000 | 128,882,000 | 134,663,000 |
| Total capital | 127,228,000 | — | — | — |
| Risk-weighted assets | 870,599,000 | — | — | — |