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Pony Express Community Bank

Saint Joseph, MO · Cert 22185

FDIC · 4 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pony Express Community Bank

Saint Joseph, MO · Cert 22185

FDIC · 4 branches

Q3 2019

$74.2MAssets
$47.9MLoans
$65.8MDeposits
$8.1MEquity
Loan mix
80%RE $32.8M16%C&I $6.6M4%Consumer $1.5MQ3 2018Q3 2019
Deposit mix
64%Interest-bearing $41.9M36%Noninterest $24.0MQ3 2018Q3 2019

NIM

3.00%Q3 ’173.46%Q3 ’184.14%Q3 ’19+11%+17%

Non-interest income vs. expense

2.76%Q3 ’173.01%Q3 ’182.92%Q3 ’19+13%-3%

Market Position · St. Joseph, MO-KS · 2019 SOD (annual) · 2.4% share · #11 of 22 inst. · $0.1B of $2.2B

1.7% Buchanan
14.7% Doniphan
3.0% Brown

Executive Summary

  • Earnings: ROA of 1.56%, up 77 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.08% of loans (-4 bps YoY), with net recoveries of 0.17%.
  • Capital: tier 1 leverage ratio of 10.90%, up 20 bps from a year ago.
  • Funding: loans stand at 72.77% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.56%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+55 bps YoY

Efficiency Ratio (YTD, annualized)

62.29%-910 bps YoY

Tier 1 Leverage Ratio

10.90%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.79%0.83%0.92%1.57%1.56%+77 bps
Return on Equity7.59%8.07%8.83%14.74%14.52%+693 bps
Net Interest Margin3.15%3.15%3.34%3.48%3.69%+55 bps
Efficiency Ratio71.39%69.97%66.97%64.88%62.29%-910 bps
Non-Interest Burden2.06%2.01%2.04%2.02%2.01%-5 bps
Growth
Asset Growth (YoY)2.59%-0.81%2.99%2.22%1.64%-94 bps
Loan Growth (YoY)13.35%15.78%12.65%17.24%25.75%+1,239 bps
Deposit Growth (YoY)3.51%-0.85%2.94%-2.15%0.82%-269 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.09%0.00%0.08%-4 bps
Net Charge-Offs / Loans0.42%0.33%-0.07%-0.05%-0.17%-60 bps
Allowance / Loans1.46%1.43%1.44%1.29%1.33%-13 bps
Allowance Coverage of NPLs13.0x15.4x16.8xn/a17.3x+4.3x
Capital
Tier 1 Leverage Ratio10.70%10.60%10.80%10.93%10.90%+20 bps
Total Risk-Based Capital20.75%20.16%20.31%17.93%16.92%-383 bps
Equity / Assets10.29%10.23%10.69%11.09%10.89%+60 bps
Liquidity & Funding
Loans / Deposits58.35%57.82%60.85%71.36%72.77%+1,442 bps
Liquid Assets / Assets2.69%6.03%3.23%3.00%2.93%+23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a