Call reports 2014
VIBRA BANK — 2014
What VIBRA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,135,000 | 150,648,000 | 148,101,000 | 140,434,000 |
| Total loans | 103,434,000 | 100,527,000 | 103,713,000 | 89,115,000 |
| Allowance for loan losses | 1,657,000 | 1,364,000 | 1,364,000 | 1,347,000 |
| Securities available for sale | 274,000 | 3,881,000 | 3,803,000 | 3,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,169,000 | 136,756,000 | 133,761,000 | 125,433,000 |
| Interest-bearing deposits | 96,633,000 | 93,828,000 | 89,206,000 | 79,586,000 |
| Noninterest-bearing deposits | 39,536,000 | 42,928,000 | 44,555,000 | 45,847,000 |
| Equity capital | 13,473,000 | 13,469,000 | 13,844,000 | 14,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,611,000 | 3,333,000 | 4,974,000 | 6,530,000 |
| Interest expense | 203,000 | 400,000 | 581,000 | 732,000 |
| Net interest income | 1,408,000 | 2,933,000 | 4,393,000 | 5,798,000 |
| Noninterest income | 346,000 | 502,000 | 826,000 | 1,467,000 |
| Noninterest expense | 1,709,000 | 3,415,000 | 4,977,000 | 6,559,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 0 |
| Pretax income | 51,000 | 26,000 | 228,000 | 712,000 |
| Income tax | 0 | 1,000 | -102,000 | -219,000 |
| Net income | 51,000 | 25,000 | 330,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,175,000 | 13,178,000 | 12,989,000 | 13,836,000 |
| Total capital | 14,244,000 | 14,225,000 | 14,074,000 | 14,752,000 |
| Risk-weighted assets | 84,905,000 | 83,428,000 | 86,504,000 | 72,829,000 |
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