Call reports 2008
PONY EXPRESS COMMUNITY BANK — 2008
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,956,000 | 34,314,000 | 38,061,000 | 37,730,000 |
| Total loans | 28,975,000 | 28,399,000 | 28,200,000 | 28,652,000 |
| Allowance for loan losses | 315,000 | 428,000 | 481,000 | 369,000 |
| Securities available for sale | 1,919,000 | 1,791,000 | 2,057,000 | 1,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,754,000 | 31,097,000 | 34,980,000 | 34,349,000 |
| Interest-bearing deposits | 21,585,000 | 23,026,000 | 26,173,000 | 25,952,000 |
| Noninterest-bearing deposits | 9,170,000 | 8,071,000 | 8,807,000 | 8,397,000 |
| Equity capital | 2,831,000 | 2,833,000 | 2,880,000 | 3,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,097,000 | 1,664,000 | 2,198,000 |
| Interest expense | 134,000 | 242,000 | 366,000 | 458,000 |
| Net interest income | 412,000 | 855,000 | 1,298,000 | 1,740,000 |
| Noninterest income | 138,000 | 267,000 | 403,000 | 532,000 |
| Noninterest expense | 389,000 | 787,000 | 1,193,000 | 1,596,000 |
| Provision for loan losses | 13,000 | 69,000 | 128,000 | 341,000 |
| Pretax income | 148,000 | 266,000 | 380,000 | 335,000 |
| Income tax | 57,000 | 95,000 | 89,000 | 65,000 |
| Net income | 91,000 | 171,000 | 291,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,815,000 | 2,826,000 | 2,875,000 | 3,271,000 |
| Total capital | 2,836,000 | 2,962,000 | 3,060,000 | 3,561,000 |
| Risk-weighted assets | 24,045,000 | 23,582,000 | 23,918,000 | 23,866,000 |