Call reports 2016
PONY EXPRESS COMMUNITY BANK — 2016
What PONY EXPRESS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,586,000 | 72,518,000 | 72,886,000 | 74,758,000 |
| Total loans | 34,525,000 | 35,170,000 | 35,933,000 | 33,550,000 |
| Allowance for loan losses | 602,000 | 624,000 | 583,000 | 642,000 |
| Securities available for sale | 30,626,000 | 30,956,000 | 30,308,000 | 31,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,374,000 | 62,757,000 | 64,480,000 | 66,754,000 |
| Interest-bearing deposits | 27,091,000 | 26,513,000 | 26,165,000 | 25,998,000 |
| Noninterest-bearing deposits | 37,283,000 | 36,244,000 | 38,315,000 | 40,756,000 |
| Equity capital | 8,603,000 | 8,115,000 | 8,140,000 | 7,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,093,000 | 1,636,000 | 2,161,000 |
| Interest expense | 30,000 | 58,000 | 86,000 | 115,000 |
| Net interest income | 507,000 | 1,035,000 | 1,550,000 | 2,046,000 |
| Noninterest income | 176,000 | 335,000 | 505,000 | 631,000 |
| Noninterest expense | 542,000 | 1,150,000 | 1,647,000 | 2,235,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 450,000 |
| Pretax income | 131,000 | 195,000 | 368,000 | -8,000 |
| Income tax | 41,000 | 55,000 | 116,000 | -58,000 |
| Net income | 90,000 | 140,000 | 252,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,296,000 | 7,771,000 | 7,813,000 | 7,564,000 |
| Total capital | 8,826,000 | 8,273,000 | 8,327,000 | 8,056,000 |
| Risk-weighted assets | 42,351,000 | 40,114,000 | 41,118,000 | 39,254,000 |