Call reports 2002
PONY EXPRESS BANK — 2002
What PONY EXPRESS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 75,912,000 | 79,694,000 | 79,675,000 | 77,080,000 |
| Total loans | 54,430,000 | 59,403,000 | 56,749,000 | 56,787,000 |
| Allowance for loan losses | 623,000 | 778,000 | 914,000 | 929,000 |
| Securities available for sale | 10,839,000 | 10,640,000 | 9,869,000 | 9,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,440,000 | 68,354,000 | 69,163,000 | 67,033,000 |
| Interest-bearing deposits | 53,077,000 | 54,845,000 | 57,271,000 | 50,968,000 |
| Noninterest-bearing deposits | 12,363,000 | 13,509,000 | 11,892,000 | 16,065,000 |
| Equity capital | 6,818,000 | 6,644,000 | 6,796,000 | 6,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,523,000 | 3,796,000 | 5,008,000 |
| Interest expense | 412,000 | 799,000 | 1,186,000 | 1,526,000 |
| Net interest income | 843,000 | 1,724,000 | 2,610,000 | 3,482,000 |
| Noninterest income | 121,000 | 247,000 | 428,000 | 653,000 |
| Noninterest expense | 496,000 | 1,033,000 | 1,539,000 | 2,128,000 |
| Provision for loan losses | 100,000 | 255,000 | 390,000 | 405,000 |
| Pretax income | 371,000 | 674,000 | 1,100,000 | 1,593,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 370,000 | 672,000 | 1,097,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,725,000 | 6,408,000 | 6,525,000 | 6,638,000 |
| Total capital | 7,348,000 | 7,133,000 | 7,239,000 | 7,356,000 |
| Risk-weighted assets | 54,592,000 | 57,976,000 | 56,909,000 | 57,190,000 |
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