Call reports 2016
PONY EXPRESS BANK — 2016
What PONY EXPRESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 144,336,000 | 144,834,000 | 152,329,000 | 154,333,000 |
| Total loans | 116,464,000 | 120,016,000 | 125,325,000 | 127,420,000 |
| Allowance for loan losses | 1,074,000 | 1,215,000 | 1,215,000 | 1,183,000 |
| Securities available for sale | 10,987,000 | 10,583,000 | 10,131,000 | 10,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,294,000 | 125,056,000 | 132,553,000 | 134,705,000 |
| Interest-bearing deposits | 86,929,000 | 81,082,000 | 85,344,000 | 91,742,000 |
| Noninterest-bearing deposits | 37,365,000 | 43,974,000 | 47,209,000 | 42,963,000 |
| Equity capital | 19,927,000 | 19,576,000 | 19,497,000 | 19,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,257,000 | 4,914,000 | 6,621,000 |
| Interest expense | 73,000 | 146,000 | 218,000 | 288,000 |
| Net interest income | 1,556,000 | 3,111,000 | 4,696,000 | 6,333,000 |
| Noninterest income | 199,000 | 392,000 | 591,000 | 755,000 |
| Noninterest expense | 995,000 | 1,976,000 | 3,009,000 | 4,168,000 |
| Provision for loan losses | 0 | 550,000 | 750,000 | 850,000 |
| Pretax income | 760,000 | 977,000 | 1,528,000 | 2,070,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 760,000 | 977,000 | 1,528,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,371,000 | 15,963,000 | 15,890,000 | 16,107,000 |
| Total capital | 17,445,000 | 17,178,000 | 17,105,000 | 17,290,000 |
| Risk-weighted assets | 105,829,000 | 109,183,000 | 115,955,000 | 117,347,000 |