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


  • Pony Express Community Bank in St. Joseph, Missouri (MO), KS, NE
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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
  • NoIDNameAddressEstablishedService TypeMap
    2254206Elwood Branch209 Roseport Roadelwood, Elwood, KS 66024January 13, 1996Full Service Brick and Mortar
    5240547Horton Branch1505 Central Street, Horton, KS 66439June 18, 1990Full Service Brick and Mortar
  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015416Pony Express Community Bank624 Felix Street, St. Joseph, MO 64501December 23, 1975Full Service Brick and Mortar
    3254207St. Joseph Branch3702 Faraon Street, St. Joseph, MO 64506December 14, 1998Full Service Brick and Mortar
  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    47786Bank Of Paxton Branch203 North Oak Street, Paxton, NE 69155May 31, 1928Full Service Brick and Mortar

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