Call reports 2025
PONY EXPRESS BANK — 2025
What PONY EXPRESS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 388,153,000 | 386,458,000 | 384,243,000 | 376,067,000 |
| Total loans | 309,963,000 | 311,787,000 | 302,990,000 | 313,118,000 |
| Allowance for loan losses | 3,770,000 | 3,714,000 | 3,712,000 | 3,772,000 |
| Securities available for sale | 48,475,000 | 46,018,000 | 45,969,000 | 43,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,096,000 | 308,027,000 | 298,309,000 | 315,623,000 |
| Interest-bearing deposits | 245,394,000 | 241,640,000 | 227,369,000 | 247,294,000 |
| Noninterest-bearing deposits | 65,702,000 | 66,387,000 | 70,940,000 | 68,329,000 |
| Equity capital | 35,210,000 | 36,071,000 | 37,649,000 | 38,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,961,000 | 12,293,000 | 18,727,000 | 25,006,000 |
| Interest expense | 1,540,000 | 3,284,000 | 5,003,000 | 6,575,000 |
| Net interest income | 4,421,000 | 9,009,000 | 13,724,000 | 18,431,000 |
| Noninterest income | 241,000 | 495,000 | 755,000 | 1,019,000 |
| Noninterest expense | 2,274,000 | 4,286,000 | 6,448,000 | 8,788,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 85,000 |
| Pretax income | 2,388,000 | 5,018,000 | 7,831,000 | 9,868,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,388,000 | 5,018,000 | 7,831,000 | 9,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,953,000 | 36,583,000 | 37,396,000 | 37,433,000 |
| Total capital | 39,723,000 | 40,471,000 | 41,218,000 | 41,407,000 |
| Risk-weighted assets | 325,425,000 | 324,376,000 | 305,768,000 | 317,927,000 |