Call reports 2008
PONY EXPRESS BANK — 2008
What PONY EXPRESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 142,202,000 | 137,571,000 | 138,535,000 | 138,698,000 |
| Total loans | 118,223,000 | 113,809,000 | 113,407,000 | 109,397,000 |
| Allowance for loan losses | 1,638,000 | 1,298,000 | 1,652,000 | 1,704,000 |
| Securities available for sale | 12,744,000 | 13,122,000 | 12,459,000 | 16,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,392,000 | 112,421,000 | 113,938,000 | 116,155,000 |
| Interest-bearing deposits | 91,986,000 | 93,830,000 | 94,520,000 | 95,786,000 |
| Noninterest-bearing deposits | 18,406,000 | 18,591,000 | 19,418,000 | 20,369,000 |
| Equity capital | 16,060,000 | 15,837,000 | 15,630,000 | 16,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,613,000 | 6,653,000 | 8,657,000 |
| Interest expense | 841,000 | 1,535,000 | 2,183,000 | 2,850,000 |
| Net interest income | 1,570,000 | 3,078,000 | 4,470,000 | 5,807,000 |
| Noninterest income | 247,000 | 458,000 | 730,000 | 948,000 |
| Noninterest expense | 815,000 | 1,624,000 | 2,422,000 | 3,203,000 |
| Provision for loan losses | 250,000 | 500,000 | 1,100,000 | 1,505,000 |
| Pretax income | 752,000 | 1,412,000 | 1,678,000 | 2,047,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 752,000 | 1,412,000 | 1,678,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,036,000 | 12,071,000 | 11,888,000 | 12,082,000 |
| Total capital | 13,472,000 | 13,369,000 | 13,287,000 | 13,453,000 |
| Risk-weighted assets | 114,683,000 | 112,348,000 | 111,634,000 | 109,387,000 |
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