Pony Express Community Bank

Pony Express Community Bank is headquartered in St. Joseph and is the 247^th largest bank in the state of Missouri. It is also the 5,861^st largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 25 employees at 5 locations. Pony Express Community Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Pony Express Community Bank FDIC Certificate # 22185 BankRate Report View Year Established 1975 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $66.92 million Loans $34.94 million Deposits $59.70 million Equity Capital $6.87 million Loan Loss Allowance $751,000 Unbacked Noncurrent Loans $465,000 Real Estate Owned $395,000 Historic Data - March 2011 Assets $63.18 million Equity Capital $6.75 million Loan Loss Allowance $814,000 Unbacked Noncurrent Loans $198,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.58% Return on Equity 5.54% Interest Income $656,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pony Express Community Bank had $860,000 in non-current loans and owned real-estate with $7.62 million in equity and loan loss allowances on hand to cover it. This gives Pony Express Community Bank a Texas Ratio of 11.28% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pony Express Community Bank increased slightly from 2.62% as of March 31, 2011 to 11.28% as of March 31, 2012, resulting in a negative change of 330.81%. This indicates that the balance sheet and financial strength for Pony Express Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Pony Express Community Bank has increased its total deposits by $3.82 million, resulting in 6.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pony Express Community Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pony Express Community Bank has $66.92 million in assets with $7.62 million in equity, resulting in a capitalization level of 11.39%, which is above average.

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