Call reports 2003
PONY EXPRESS BANK — 2003
What PONY EXPRESS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 78,521,000 | 87,152,000 | 92,497,000 | 98,789,000 |
| Total loans | 59,481,000 | 58,429,000 | 66,508,000 | 75,100,000 |
| Allowance for loan losses | 974,000 | 887,000 | 928,000 | 962,000 |
| Securities available for sale | 7,247,000 | 11,388,000 | 10,940,000 | 9,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,097,000 | 77,040,000 | 77,415,000 | 79,451,000 |
| Interest-bearing deposits | 52,421,000 | 56,939,000 | 58,931,000 | 59,705,000 |
| Noninterest-bearing deposits | 15,676,000 | 20,101,000 | 18,484,000 | 19,746,000 |
| Equity capital | 6,838,000 | 7,023,000 | 10,999,000 | 11,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,213,000 | 214,000 | 1,468,000 |
| Interest expense | 296,000 | 586,000 | 44,000 | 293,000 |
| Net interest income | 813,000 | 1,627,000 | 170,000 | 1,175,000 |
| Noninterest income | 175,000 | 378,000 | 35,000 | 123,000 |
| Noninterest expense | 551,000 | 1,088,000 | 105,000 | 735,000 |
| Provision for loan losses | 45,000 | 90,000 | 0 | 100,000 |
| Pretax income | 392,000 | 827,000 | 100,000 | 474,000 |
| Income tax | 1,000 | 2,000 | 0 | 1,000 |
| Net income | 391,000 | 825,000 | 100,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,686,000 | 6,786,000 | 6,565,000 | 6,889,000 |
| Total capital | 7,441,000 | 7,545,000 | 7,393,000 | 7,820,000 |
| Risk-weighted assets | 60,179,000 | 60,628,000 | 66,110,000 | 74,480,000 |
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