Call reports 2005
PONY EXPRESS COMMUNITY BANK — 2005
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,532,000 | 31,241,000 | 31,707,000 | 31,872,000 |
| Total loans | 21,036,000 | 21,650,000 | 22,610,000 | 22,639,000 |
| Allowance for loan losses | 435,000 | 422,000 | 404,000 | 402,000 |
| Securities available for sale | 7,676,000 | 7,432,000 | 6,907,000 | 7,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,507,000 | 27,786,000 | 27,612,000 | 28,521,000 |
| Interest-bearing deposits | 20,792,000 | 20,033,000 | 19,845,000 | 20,013,000 |
| Noninterest-bearing deposits | 7,715,000 | 7,753,000 | 7,767,000 | 8,508,000 |
| Equity capital | 2,610,000 | 2,650,000 | 2,662,000 | 2,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 853,000 | 1,316,000 | 1,788,000 |
| Interest expense | 74,000 | 158,000 | 253,000 | 350,000 |
| Net interest income | 337,000 | 695,000 | 1,063,000 | 1,438,000 |
| Noninterest income | 103,000 | 222,000 | 345,000 | 461,000 |
| Noninterest expense | 371,000 | 755,000 | 1,126,000 | 1,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 162,000 | 282,000 | 376,000 |
| Income tax | 25,000 | 59,000 | 105,000 | 141,000 |
| Net income | 44,000 | 103,000 | 177,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,684,000 | 2,705,000 | 2,720,000 | 2,717,000 |
| Total capital | 2,923,000 | 2,946,000 | 2,971,000 | 2,946,000 |
| Risk-weighted assets | 18,923,000 | 19,117,000 | 19,949,000 | 19,712,000 |