Call reports 2013
VIBRA BANK — 2013
What VIBRA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 115,264,000 | 125,935,000 | 136,597,000 | 148,596,000 |
| Total loans | 96,822,000 | 102,892,000 | 101,179,000 | 106,321,000 |
| Allowance for loan losses | 1,529,000 | 1,530,000 | 1,519,000 | 1,657,000 |
| Securities available for sale | 1,498,000 | 1,361,000 | 1,271,000 | 1,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,611,000 | 112,276,000 | 122,773,000 | 134,745,000 |
| Interest-bearing deposits | 77,430,000 | 88,583,000 | 96,536,000 | 95,168,000 |
| Noninterest-bearing deposits | 24,181,000 | 23,693,000 | 26,237,000 | 39,577,000 |
| Equity capital | 13,197,000 | 13,259,000 | 13,394,000 | 13,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,922,000 | 4,527,000 | 6,125,000 |
| Interest expense | 161,000 | 330,000 | 523,000 | 730,000 |
| Net interest income | 1,236,000 | 2,592,000 | 4,004,000 | 5,395,000 |
| Noninterest income | 205,000 | 479,000 | 901,000 | 1,482,000 |
| Noninterest expense | 1,572,000 | 3,140,000 | 4,840,000 | 6,597,000 |
| Provision for loan losses | 231,000 | 231,000 | 231,000 | 403,000 |
| Pretax income | -362,000 | -300,000 | -166,000 | -123,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -362,000 | -301,000 | -167,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,171,000 | 13,237,000 | 13,377,000 | 13,166,000 |
| Total capital | 14,210,000 | 14,305,000 | 14,432,000 | 14,243,000 |
| Risk-weighted assets | 82,614,000 | 84,946,000 | 83,919,000 | 85,572,000 |
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