Solera National Bank in Lakewood, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Solera National Bank in Lakewood, Colorado (CO)
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Solera National Bank - Overview

  • General
  • FDIC Certificate #: 58534
    Status: Active
    Federal Reserve ID: 3397233
    Bank Holding Company (Regulatory Top Holder): Solera National Bancorp, Inc. (RSSDID: 3607549, Location: Lakewood, CO)
    Date Established: September 10, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 455610
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 10, 2007
    Last Structure Change Effective Date: October 04, 2011
    Last Structure Change Process Date: October 04, 2011
    Last Data Update: October 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 319 South Sheridan Boulevard, Lakewood, CO 80226
    County: Denver
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • Financial Summary
  • Total assets: $145.4 mil
    Equity capital: $16.6 mil
    Deposits held in domestic offices: $121.4 mil
    Return on assets (ROA): 0.38% ($0.6 mil)
    Quarterly return on assets: 0.55% ($0.8 mil)
    Return on Equity (ROE): 3.34% ($0.6 mil)
    Quarterly return on equity: 4.77% ($0.8 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.38% ($552.4 mil)
    Quarterly Pretax return on assets: 0.55% ($799.5 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $145,371Total assets
  • $2,802Cash and due from depository institutions
  • $1,357Interest-bearing balances
  • $83,197Securities
  • $355Federal funds sold & reverse repurchase agreements
  • $54,501Net loans & leases
  • $1,067Loan loss allowance
  • $0Trading account assets
  • $599Bank premises and fixed assets
  • $1,776Other real estate owned
  • $0Goodwill and other intangibles
  • $145,371Life insurance assets
  • $2,141All other assets
  • $128,721Total liabilities and capital
  • $121,386Total liabilities
  • $117,835Total deposits
  • $121,386Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 253.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,529Trading liabilities
  • $0Other borrowed funds
  • $553Subordinated debt
  • $16,650All other liabilities
  • $16,650Total equity capital
  • $16,650Total bank equity capital
  • $0Perpetual preferred stock
  • $10,500Common stock
  • $11,163Surplus
  • $-5,013Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $610Income earned, not collected on loans
  • $0Earning assets
  • $584Long-term assets (5+ years)
  • $139,410Average Assets, year-to-date
  • $55,134Average Assets, quarterly
  • $141,230Volatile liabilities
  • $143,029Insider loans
  • $84,009FHLB advances
  • $143,622Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,143Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,261Restructured Loans and leases
  • $1,002Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,749Total interest income
  • $1,599Total interest expense
  • $4,150Net interest income
  • $155Provision for loan and lease losses
  • $49Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$17Additional noninterest income
  • $4,372Total noninterest expense
  • $2,421Salaries and employee benefits
  • $525Premises and equipment expense
  • $1,426Additional noninterest expense
  • -$328Pre-tax net operating income
  • $870Securities gains (losses)
  • $0Applicable income taxes
  • $542Income before extraordinary items
  • $0Extraordinary gains - net
  • $542Net income attributable to bank
  • $0Net charge-offs
  • $542Cash dividends
  • $263Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.04%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • -0.23%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 3.34%Return on equity (ROE)
  • 3.34%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 58.94%Credit loss provision to net charge-offs
  • -0.66%Efficiency ratio
  • 104,120Assets per employee
  • 5.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 174.92%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 44.90%Net loans and leases to core deposits
  • 53.44%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 11.24%Tier 1 risk-based capital ratio
  • 19.22%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $141,230Average earning assets
  • $16,214Average equity
  • $136,152Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0455610Solera National Bank319 South Sheridan Boulevard, Lakewood, CO 80226September 10, 2007Full Service Brick and Mortar

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