Pony Express Bank in Braymer, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Pony Express Bank - Overview

  • General
  • FDIC Certificate #: 4526
    Status: Active
    Federal Reserve ID: 953843
    Bank Holding Company (Regulatory Top Holder): Page Bancshares, Inc. (RSSDID: 3201086, Location: Liberty, MO)
    Date Established: October 02, 1890
    WWW: http://www.ponyexpressbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11419
    FDIC's unique #: 2992
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 213 Main St, Braymer, MO 64624
    County: Caldwell
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $140.0 mil
    Equity capital: $18.3 mil
    Deposits held in domestic offices: $115.0 mil
    Return on assets (ROA): 1.69% ($2.4 mil)
    Quarterly return on assets: 0.83% ($1.2 mil)
    Return on Equity (ROE): 12.29% ($2.2 mil)
    Quarterly return on equity: 6.06% ($1.1 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.69% ($2,365.4 mil)
    Quarterly Pretax return on assets: 0.83% ($1,161.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $139,962Total assets
  • $18,864Cash and due from depository institutions
  • $12,632Interest-bearing balances
  • $15,003Securities
  • $1,402Federal funds sold & reverse repurchase agreements
  • $96,785Net loans & leases
  • $1,033Loan loss allowance
  • $0Trading account assets
  • $1,989Bank premises and fixed assets
  • $975Other real estate owned
  • $3,424Goodwill and other intangibles
  • $139,962Life insurance assets
  • $1,520All other assets
  • $121,617Total liabilities and capital
  • $114,956Total liabilities
  • $84,047Total deposits
  • $114,956Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,500Trading liabilities
  • $0Other borrowed funds
  • $161Subordinated debt
  • $18,345All other liabilities
  • $18,345Total equity capital
  • $18,345Total bank equity capital
  • $0Perpetual preferred stock
  • $405Common stock
  • $11,420Surplus
  • $6,520Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $119Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,711Income earned, not collected on loans
  • $0Earning assets
  • $528Long-term assets (5+ years)
  • $125,822Average Assets, year-to-date
  • $12,706Average Assets, quarterly
  • $133,660Volatile liabilities
  • $135,102Insider loans
  • $97,937FHLB advances
  • $131,333Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,429Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,587Restructured Loans and leases
  • $1,874Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,050Total interest income
  • $913Total interest expense
  • $6,137Net interest income
  • $1,450Provision for loan and lease losses
  • $951Total noninterest income
  • $0Fiduciary activities
  • $558Service charges on deposit accounts
  • $0Trading account gains & fees
  • $393Additional noninterest income
  • $3,453Total noninterest expense
  • $2,046Salaries and employee benefits
  • $352Premises and equipment expense
  • $1,055Additional noninterest expense
  • $2,185Pre-tax net operating income
  • $69Securities gains (losses)
  • $0Applicable income taxes
  • $2,254Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,254Net income attributable to bank
  • $0Net charge-offs
  • $2,254Cash dividends
  • $1,697Sale, conversion, retirement of capital stock, net
  • $2,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.77%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.63%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 12.29%Return on equity (ROE)
  • 0.29%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 85.44%Credit loss provision to net charge-offs
  • 2.14%Efficiency ratio
  • 47,291Assets per employee
  • 5.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.60%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 60.37%Noncurrent assets plus other real estate owned to assets
  • 1.92%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 84.19%Net loans and leases to core deposits
  • 93.96%Equity capital to assets
  • 13.11%Core capital (leverage) ratio
  • 10.99%Tier 1 risk-based capital ratio
  • 14.73%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $133,660Average earning assets
  • $18,339Average equity
  • $122,249Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02992Pony Express Bank213 Main St, Braymer, MO 64624October 02, 1890Full Service Brick and Mortar
    3203784Liberty Branch215 North 291 Highway, Liberty, MO 64068August 03, 1994Full Service Brick and Mortar

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