Call reports 2015
PONY EXPRESS COMMUNITY BANK — 2015
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,357,000 | 88,601,000 | 85,916,000 | 74,271,000 |
| Total loans | 41,772,000 | 41,634,000 | 40,380,000 | 35,012,000 |
| Allowance for loan losses | 602,000 | 674,000 | 674,000 | 591,000 |
| Securities available for sale | 37,238,000 | 36,815,000 | 36,537,000 | 29,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,597,000 | 77,932,000 | 75,576,000 | 65,248,000 |
| Interest-bearing deposits | 55,301,000 | 53,851,000 | 34,828,000 | 28,132,000 |
| Noninterest-bearing deposits | 25,296,000 | 24,081,000 | 40,748,000 | 37,116,000 |
| Equity capital | 9,108,000 | 8,376,000 | 8,545,000 | 8,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,423,000 | 2,121,000 | 2,784,000 |
| Interest expense | 34,000 | 68,000 | 102,000 | 134,000 |
| Net interest income | 712,000 | 1,355,000 | 2,019,000 | 2,650,000 |
| Noninterest income | 211,000 | 427,000 | 664,000 | 1,185,000 |
| Noninterest expense | 638,000 | 1,381,000 | 2,055,000 | 2,975,000 |
| Provision for loan losses | 12,000 | 24,000 | 28,000 | 30,000 |
| Pretax income | 273,000 | 403,000 | 626,000 | 820,000 |
| Income tax | 99,000 | 137,000 | 216,000 | 283,000 |
| Net income | 174,000 | 266,000 | 410,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,820,000 | 8,235,000 | 8,298,000 | 8,343,000 |
| Total capital | 9,422,000 | 8,880,000 | 8,923,000 | 8,888,000 |
| Risk-weighted assets | 49,511,000 | 51,635,000 | 49,995,000 | 43,612,000 |