Call reports 2007
PONY EXPRESS COMMUNITY BANK — 2007
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,742,000 | 35,775,000 | 34,387,000 | 34,550,000 |
| Total loans | 27,984,000 | 28,051,000 | 29,084,000 | 28,401,000 |
| Allowance for loan losses | 409,000 | 407,000 | 408,000 | 407,000 |
| Securities available for sale | 3,866,000 | 3,364,000 | 2,887,000 | 2,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,583,000 | 32,763,000 | 30,978,000 | 31,389,000 |
| Interest-bearing deposits | 24,974,000 | 25,039,000 | 22,824,000 | 21,371,000 |
| Noninterest-bearing deposits | 8,609,000 | 7,724,000 | 8,154,000 | 10,018,000 |
| Equity capital | 2,761,000 | 2,767,000 | 2,828,000 | 2,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,273,000 | 1,907,000 | 2,517,000 |
| Interest expense | 186,000 | 370,000 | 545,000 | 701,000 |
| Net interest income | 453,000 | 903,000 | 1,362,000 | 1,816,000 |
| Noninterest income | 126,000 | 263,000 | 407,000 | 539,000 |
| Noninterest expense | 376,000 | 780,000 | 1,152,000 | 1,581,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 14,000 |
| Pretax income | 203,000 | 386,000 | 611,000 | 760,000 |
| Income tax | 81,000 | 153,000 | 214,000 | 301,000 |
| Net income | 122,000 | 233,000 | 397,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,769,000 | 2,778,000 | 2,826,000 | 2,802,000 |
| Total capital | 2,884,000 | 2,893,000 | 2,939,000 | 2,921,000 |
| Risk-weighted assets | 24,382,000 | 24,239,000 | 24,584,000 | 23,756,000 |