Call reports 2004
PONY EXPRESS COMMUNITY BANK — 2004
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,111,000 | 33,737,000 | 32,452,000 | 32,231,000 |
| Total loans | 21,494,000 | 22,249,000 | 22,036,000 | 21,381,000 |
| Allowance for loan losses | 488,000 | 461,000 | 450,000 | 459,000 |
| Securities available for sale | 9,192,000 | 8,701,000 | 7,782,000 | 7,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,416,000 | 28,834,000 | 28,459,000 | 29,118,000 |
| Interest-bearing deposits | 21,913,000 | 21,507,000 | 21,347,000 | 21,071,000 |
| Noninterest-bearing deposits | 7,503,000 | 7,327,000 | 7,112,000 | 8,047,000 |
| Equity capital | 2,652,000 | 2,568,000 | 2,638,000 | 2,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 855,000 | 1,280,000 | 1,743,000 |
| Interest expense | 68,000 | 134,000 | 205,000 | 277,000 |
| Net interest income | 354,000 | 721,000 | 1,075,000 | 1,466,000 |
| Noninterest income | 105,000 | 221,000 | 344,000 | 457,000 |
| Noninterest expense | 366,000 | 741,000 | 1,110,000 | 1,528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 201,000 | 309,000 | 395,000 |
| Income tax | 34,000 | 73,000 | 114,000 | 146,000 |
| Net income | 59,000 | 128,000 | 195,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,566,000 | 2,581,000 | 2,621,000 | 2,670,000 |
| Total capital | 2,812,000 | 2,839,000 | 2,872,000 | 2,909,000 |
| Risk-weighted assets | 19,464,000 | 20,462,000 | 19,916,000 | 18,916,000 |