Call reports 2015
PONY EXPRESS BANK — 2015
What PONY EXPRESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,518,000 | 140,708,000 | 149,595,000 | 143,821,000 |
| Total loans | 112,545,000 | 111,966,000 | 112,370,000 | 118,968,000 |
| Allowance for loan losses | 1,263,000 | 1,275,000 | 1,415,000 | 1,069,000 |
| Securities available for sale | 11,668,000 | 12,913,000 | 12,322,000 | 11,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,113,000 | 120,834,000 | 129,384,000 | 123,995,000 |
| Interest-bearing deposits | 85,936,000 | 84,605,000 | 90,331,000 | 87,657,000 |
| Noninterest-bearing deposits | 39,177,000 | 36,229,000 | 39,053,000 | 36,338,000 |
| Equity capital | 20,274,000 | 19,656,000 | 19,686,000 | 19,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,218,000 | 4,769,000 | 6,367,000 |
| Interest expense | 80,000 | 158,000 | 235,000 | 309,000 |
| Net interest income | 1,529,000 | 3,060,000 | 4,534,000 | 6,058,000 |
| Noninterest income | 193,000 | 359,000 | 542,000 | 758,000 |
| Noninterest expense | 1,009,000 | 1,958,000 | 2,957,000 | 4,079,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 713,000 | 1,464,000 | 2,086,000 | 2,604,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 713,000 | 1,464,000 | 2,086,000 | 2,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,690,000 | 16,191,000 | 16,189,000 | 16,236,000 |
| Total capital | 17,953,000 | 17,466,000 | 17,493,000 | 17,305,000 |
| Risk-weighted assets | 103,872,000 | 102,279,000 | 104,246,000 | 110,791,000 |