Call reports 2005
PONY EXPRESS BANK — 2005
What PONY EXPRESS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 118,167,000 | 119,713,000 | 119,598,000 | 126,639,000 |
| Total loans | 96,796,000 | 98,607,000 | 99,246,000 | 105,487,000 |
| Allowance for loan losses | 1,176,000 | 1,204,000 | 1,186,000 | 1,215,000 |
| Securities available for sale | 8,428,000 | 8,236,000 | 8,277,000 | 8,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,299,000 | 96,637,000 | 94,910,000 | 95,763,000 |
| Interest-bearing deposits | 77,660,000 | 74,668,000 | 75,164,000 | 73,976,000 |
| Noninterest-bearing deposits | 18,639,000 | 21,969,000 | 19,746,000 | 21,787,000 |
| Equity capital | 12,792,000 | 12,473,000 | 12,978,000 | 13,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,641,000 | 3,436,000 | 5,341,000 | 7,428,000 |
| Interest expense | 441,000 | 941,000 | 1,490,000 | 2,133,000 |
| Net interest income | 1,200,000 | 2,495,000 | 3,851,000 | 5,295,000 |
| Noninterest income | 193,000 | 331,000 | 518,000 | 682,000 |
| Noninterest expense | 720,000 | 1,419,000 | 2,080,000 | 2,880,000 |
| Provision for loan losses | 60,000 | 85,000 | 93,000 | 128,000 |
| Pretax income | 613,000 | 1,322,000 | 2,196,000 | 2,969,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 613,000 | 1,322,000 | 2,196,000 | 2,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,723,000 | 8,382,000 | 8,942,000 | 9,536,000 |
| Total capital | 9,899,000 | 9,586,000 | 10,128,000 | 10,751,000 |
| Risk-weighted assets | 96,823,000 | 99,465,000 | 97,378,000 | 104,288,000 |
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