Call reports 2003
PONY EXPRESS COMMUNITY BANK — 2003
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,756,000 | 32,496,000 | 31,886,000 | 32,419,000 |
| Total loans | 21,926,000 | 21,219,000 | 21,999,000 | 21,312,000 |
| Allowance for loan losses | 485,000 | 482,000 | 482,000 | 488,000 |
| Securities available for sale | 6,633,000 | 7,292,000 | 6,563,000 | 8,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,489,000 | 29,293,000 | 28,749,000 | 28,553,000 |
| Interest-bearing deposits | 21,718,000 | 22,547,000 | 21,407,000 | 20,488,000 |
| Noninterest-bearing deposits | 6,771,000 | 6,746,000 | 7,342,000 | 8,065,000 |
| Equity capital | 2,575,000 | 2,602,000 | 2,591,000 | 2,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 889,000 | 1,321,000 | 1,763,000 |
| Interest expense | 96,000 | 187,000 | 268,000 | 338,000 |
| Net interest income | 346,000 | 702,000 | 1,053,000 | 1,425,000 |
| Noninterest income | 87,000 | 183,000 | 277,000 | 378,000 |
| Noninterest expense | 351,000 | 702,000 | 1,084,000 | 1,475,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 183,000 | 246,000 | 328,000 |
| Income tax | 31,000 | 70,000 | 93,000 | 115,000 |
| Net income | 51,000 | 113,000 | 153,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,456,000 | 2,477,000 | 2,506,000 | 2,529,000 |
| Total capital | 2,697,000 | 2,719,000 | 2,756,000 | 2,774,000 |
| Risk-weighted assets | 19,069,000 | 19,127,000 | 19,826,000 | 19,378,000 |