Call reports 2004
PONY EXPRESS BANK — 2004
What PONY EXPRESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,820,000 | 103,031,000 | 106,426,000 | 110,871,000 |
| Total loans | 78,570,000 | 84,225,000 | 85,911,000 | 91,603,000 |
| Allowance for loan losses | 954,000 | 1,042,000 | 1,117,000 | 1,115,000 |
| Securities available for sale | 9,091,000 | 8,811,000 | 8,721,000 | 8,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,271,000 | 83,963,000 | 90,220,000 | 89,687,000 |
| Interest-bearing deposits | 69,114,000 | 68,246,000 | 73,965,000 | 73,007,000 |
| Noninterest-bearing deposits | 14,157,000 | 15,717,000 | 16,255,000 | 16,681,000 |
| Equity capital | 11,706,000 | 11,614,000 | 12,092,000 | 12,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,646,000 | 4,106,000 | 5,635,000 |
| Interest expense | 284,000 | 570,000 | 903,000 | 1,261,000 |
| Net interest income | 1,006,000 | 2,076,000 | 3,203,000 | 4,374,000 |
| Noninterest income | 176,000 | 419,000 | 623,000 | 815,000 |
| Noninterest expense | 634,000 | 1,297,000 | 1,961,000 | 2,648,000 |
| Provision for loan losses | 80,000 | 183,000 | 277,000 | 356,000 |
| Pretax income | 468,000 | 1,031,000 | 1,604,000 | 2,201,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 468,000 | 1,031,000 | 1,604,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,293,000 | 7,451,000 | 7,821,000 | 8,302,000 |
| Total capital | 8,247,000 | 8,472,000 | 8,866,000 | 9,417,000 |
| Risk-weighted assets | 78,450,000 | 81,666,000 | 83,657,000 | 89,939,000 |
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