Institution Statistics
| Vibra Bank | | FDIC Certificate # | 58662 | | BankRate Report | View | | Year Established | 2008 | | Employees | 32 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $110.39 million | | Loans | $78.54 million | | Deposits | $94.55 million | | Equity Capital | $12.83 million | | Loan Loss Allowance | $1.29 million |
Historic Data - March 2011 | | Assets | $81.77 million | | Equity Capital | $11.14 million | | Loan Loss Allowance | $1.14 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.68% | | Return on Assets | 1.75% | | Return on Equity | 14.89% | | Interest Income | $1.38 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Vibra Bank had $0 in non-current loans and owned real-estate with $14.12 million in equity and loan loss allowances on hand to cover it. This gives Vibra Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Vibra Bank has increased its total deposits by $30.63 million, resulting in 47.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vibra Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vibra Bank has $110.39 million in assets with $14.12 million in equity, resulting in a capitalization level of 12.79%, which is excellent. |
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