Call reports 2022
PONY EXPRESS BANK — 2022
What PONY EXPRESS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 320,346,000 | 337,234,000 | 332,651,000 | 347,101,000 |
| Total loans | 235,754,000 | 251,273,000 | 255,412,000 | 262,900,000 |
| Allowance for loan losses | 2,858,000 | 3,058,000 | 3,358,000 | 3,558,000 |
| Securities available for sale | 58,516,000 | 58,220,000 | 55,244,000 | 54,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,928,000 | 310,586,000 | 308,058,000 | 319,823,000 |
| Interest-bearing deposits | 205,385,000 | 228,733,000 | 231,774,000 | 237,439,000 |
| Noninterest-bearing deposits | 87,543,000 | 81,853,000 | 76,284,000 | 82,384,000 |
| Equity capital | 27,120,000 | 26,048,000 | 23,809,000 | 26,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,198,000 | 6,520,000 | 10,174,000 | 14,238,000 |
| Interest expense | 167,000 | 417,000 | 760,000 | 1,295,000 |
| Net interest income | 3,031,000 | 6,103,000 | 9,414,000 | 12,943,000 |
| Noninterest income | 229,000 | 457,000 | 702,000 | 923,000 |
| Noninterest expense | 1,655,000 | 3,261,000 | 4,969,000 | 6,611,000 |
| Provision for loan losses | 60,000 | 280,000 | 580,000 | 780,000 |
| Pretax income | 1,569,000 | 2,942,000 | 4,488,000 | 6,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,569,000 | 2,942,000 | 4,488,000 | 6,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,158,000 | 27,532,000 | 27,826,000 | 29,253,000 |
| Total capital | 29,885,000 | 30,590,000 | 31,150,000 | 32,692,000 |
| Risk-weighted assets | 218,011,000 | 262,598,000 | 265,906,000 | 274,979,000 |
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