Call reports 2012
VIBRA BANK — 2012
What VIBRA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 110,392,000 | 111,764,000 | 115,502,000 | 110,447,000 |
| Total loans | 79,823,000 | 80,526,000 | 83,444,000 | 84,633,000 |
| Allowance for loan losses | 1,288,000 | 1,288,000 | 1,288,000 | 1,306,000 |
| Securities available for sale | 3,935,000 | 3,838,000 | 3,741,000 | 2,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,546,000 | 98,363,000 | 101,782,000 | 96,497,000 |
| Interest-bearing deposits | 71,834,000 | 75,218,000 | 80,064,000 | 73,331,000 |
| Noninterest-bearing deposits | 22,712,000 | 23,145,000 | 21,718,000 | 23,166,000 |
| Equity capital | 12,828,000 | 13,045,000 | 13,345,000 | 13,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,380,000 | 2,721,000 | 4,061,000 | 5,447,000 |
| Interest expense | 176,000 | 353,000 | 539,000 | 714,000 |
| Net interest income | 1,204,000 | 2,368,000 | 3,522,000 | 4,733,000 |
| Noninterest income | 369,000 | 475,000 | 871,000 | 1,164,000 |
| Noninterest expense | 1,179,000 | 2,366,000 | 3,750,000 | 5,240,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 68,000 |
| Pretax income | 344,000 | 427,000 | 593,000 | 589,000 |
| Income tax | -125,000 | -248,000 | -373,000 | -560,000 |
| Net income | 469,000 | 675,000 | 966,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,797,000 | 13,014,000 | 13,315,000 | 13,528,000 |
| Total capital | 13,740,000 | 13,917,000 | 14,242,000 | 14,486,000 |
| Risk-weighted assets | 75,024,000 | 71,798,000 | 73,760,000 | 76,289,000 |
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