Pony Express Community Bank in city_name, state_name - Detailed Financial Reports, Location

Pony Express Community Bank in St. Joseph, Missouri (MO), KS, NE
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Pony Express Community Bank routing number info

Pony Express Community Bank - Overview

General
FDIC Certificate #: 22185
Status: Active
Federal Reserve ID: 646958
Bank Holding Company (Regulatory Top Holder): Pony Express Bancorp, Inc. (RSSDID: 1058576, Location: Elwood, KS)
Date Established: December 23, 1975
WWW: http://www.ponyexpr.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 12015
FDIC's unique #: 15416
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: December 23, 1975
Last Structure Change Effective Date: May 15, 2010
Last Structure Change Process Date: May 18, 2010
Last Data Update: May 18, 2010
Data Source Date: April 05, 2012
Location
Address: 624 Felix Street, St. Joseph, MO 64501
County: Buchanan
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
Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000)
Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
History of Changes
Office Purchased
Financial Summary
Total assets: $65.0 mil
Equity capital: $6.8 mil
Deposits held in domestic offices: $57.9 mil
Return on assets (ROA): 0.61% ($0.4 mil)
Quarterly return on assets: 0.58% ($0.4 mil)
Return on Equity (ROE): 5.75% ($0.4 mil)
Quarterly return on equity: 5.42% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.96% ($624.4 mil)
Quarterly Pretax return on assets: 0.89% ($578.9 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
25Total employees (full-time equivalent)
$65,043Total assets
$11,373Cash and due from depository institutions
$8,999Interest-bearing balances
$14,366Securities
$589Federal funds sold & reverse repurchase agreements
$35,892Net loans & leases
$747Loan loss allowance
$0Trading account assets
$1,152Bank premises and fixed assets
$345Other real estate owned
$450Goodwill and other intangibles
$65,043Life insurance assets
$876All other assets
$58,200Total liabilities and capital
$57,908Total liabilities
$41,143Total deposits
$57,908Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$292Subordinated debt
$6,843All other liabilities
$6,843Total equity capital
$6,843Total bank equity capital
$0Perpetual preferred stock
$375Common stock
$4,427Surplus
$2,041Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$163Income earned, not collected on loans
$0Earning assets
$478Long-term assets (5+ years)
$59,846Average Assets, year-to-date
$5,476Average Assets, quarterly
$64,861Volatile liabilities
$64,248Insider loans
$41,133FHLB advances
$63,657Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,385Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,394Restructured Loans and leases
$933Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,570Total interest income
$271Total interest expense
$2,299Net interest income
$0Provision for loan and lease losses
$826Total noninterest income
$0Fiduciary activities
$479Service charges on deposit accounts
$0Trading account gains & fees
$347Additional noninterest income
$2,506Total noninterest expense
$1,269Salaries and employee benefits
$300Premises and equipment expense
$937Additional noninterest expense
$619Pre-tax net operating income
$5Securities gains (losses)
$231Applicable income taxes
$393Income before extraordinary items
$0Extraordinary gains - net
$393Net income attributable to bank
$0Net charge-offs
$393Cash dividends
$43Sale, conversion, retirement of capital stock, net
$612Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.45%Cost of funding earning assets
3.84%Net interest margin
1.38%Noninterest income to earning assets
4.19%Noninterest expense to earning assets
0.60%Net operating income to assets
0.61%Return on assets (ROA)
0.96%Pretax return on assets
5.75%Return on equity (ROE)
-3.20%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
14.40%Efficiency ratio
77,056Assets per employee
2.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
155.73%Loss allowance to loans
2.04%Loss allowance to noncurrent loans
458.28%Noncurrent assets plus other real estate owned to assets
0.78%Noncurrent loans to loans
0.44%Net loans and leases to deposits
61.98%Net loans and leases to core deposits
62.62%Equity capital to assets
10.52%Core capital (leverage) ratio
10.03%Tier 1 risk-based capital ratio
15.52%Total risk-based capital ratio
Memoranda
$17Average assets
$64,861Average earning assets
$6,840Average equity
$59,822Average loans

List of branches

2 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
2	254206	Elwood Branch	209 Roseport Roadelwood, Elwood, KS 66024	January 13, 1996	Full Service Brick and Mortar
5	240547	Horton Branch	1505 Central Street, Horton, KS 66439	June 18, 1990	Full Service Brick and Mortar

2 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	15416	Pony Express Community Bank	624 Felix Street, St. Joseph, MO 64501	December 23, 1975	Full Service Brick and Mortar
3	254207	St. Joseph Branch	3702 Faraon Street, St. Joseph, MO 64506	December 14, 1998	Full Service Brick and Mortar

1 Nebraska Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
4	7786	Bank Of Paxton Branch	203 North Oak Street, Paxton, NE 69155	May 31, 1928	Full Service Brick and Mortar

Pony Express Community Bank in St. Joseph, Missouri (MO), KS, NE
Overview, Financial Summary, Detailed Financial Reports, Branches

Pony Express Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pony Express Community Bank in St. Joseph, Missouri (MO), KS, NEOverview, Financial Summary, Detailed Financial Reports, Branches

Pony Express Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pony Express Community Bank in St. Joseph, Missouri (MO), KS, NE
Overview, Financial Summary, Detailed Financial Reports, Branches