Call reports 2013
PONY EXPRESS COMMUNITY BANK — 2013
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,680,000 | 97,795,000 | 93,582,000 | 90,527,000 |
| Total loans | 36,068,000 | 44,774,000 | 44,031,000 | 44,007,000 |
| Allowance for loan losses | 570,000 | 680,000 | 663,000 | 620,000 |
| Securities available for sale | 22,825,000 | 32,421,000 | 34,809,000 | 34,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,296,000 | 88,507,000 | 82,943,000 | 79,411,000 |
| Interest-bearing deposits | 44,210,000 | 63,097,000 | 60,516,000 | 59,299,000 |
| Noninterest-bearing deposits | 19,086,000 | 25,410,000 | 22,427,000 | 20,112,000 |
| Equity capital | 6,890,000 | 8,978,000 | 8,672,000 | 8,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,468,000 | 2,214,000 | 2,962,000 |
| Interest expense | 52,000 | 147,000 | 215,000 | 271,000 |
| Net interest income | 520,000 | 1,321,000 | 1,999,000 | 2,691,000 |
| Noninterest income | 213,000 | 546,000 | 737,000 | 944,000 |
| Noninterest expense | 532,000 | 1,337,000 | 2,067,000 | 2,787,000 |
| Provision for loan losses | 3,000 | 140,000 | 162,000 | 185,000 |
| Pretax income | 259,000 | 451,000 | 568,000 | 719,000 |
| Income tax | 95,000 | 153,000 | 184,000 | 237,000 |
| Net income | 164,000 | 298,000 | 384,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,523,000 | 8,514,000 | 8,302,000 | 8,303,000 |
| Total capital | 7,064,000 | 9,194,000 | 8,965,000 | 8,923,000 |
| Risk-weighted assets | 43,229,000 | 55,731,000 | 54,560,000 | 53,491,000 |