Call reports 2012
PONCE BANK, NATIONAL ASSOCIATION — 2012
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 762,575,000 | 767,876,000 | 772,103,000 | 761,544,000 |
| Total loans | 621,220,000 | 610,611,000 | 605,427,000 | 594,662,000 |
| Allowance for loan losses | 8,337,000 | 8,394,000 | 8,658,000 | 10,056,000 |
| Securities available for sale | 87,719,000 | 83,197,000 | 90,453,000 | 108,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,603,000 | 677,097,000 | 679,240,000 | 669,291,000 |
| Interest-bearing deposits | 631,525,000 | 634,335,000 | 626,481,000 | 622,118,000 |
| Noninterest-bearing deposits | 42,078,000 | 42,762,000 | 52,759,000 | 47,173,000 |
| Equity capital | 84,095,000 | 85,792,000 | 86,892,000 | 86,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,033,000 | 21,871,000 | 32,012,000 | 41,078,000 |
| Interest expense | 2,507,000 | 4,949,000 | 7,292,000 | 9,504,000 |
| Net interest income | 8,526,000 | 16,922,000 | 24,720,000 | 31,574,000 |
| Noninterest income | 781,000 | 1,707,000 | 2,382,000 | 3,041,000 |
| Noninterest expense | 6,406,000 | 12,485,000 | 18,560,000 | 23,968,000 |
| Provision for loan losses | 750,000 | 1,406,000 | 1,727,000 | 5,132,000 |
| Pretax income | 2,151,000 | 4,738,000 | 6,815,000 | 5,515,000 |
| Income tax | 1,011,000 | 2,085,000 | 3,016,000 | 1,424,000 |
| Net income | 1,140,000 | 2,653,000 | 3,799,000 | 4,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,684,000 | 88,233,000 | 89,415,000 | 89,743,000 |
| Total capital | 92,247,000 | 95,153,000 | 96,263,000 | 96,533,000 |
| Risk-weighted assets | 537,170,000 | 552,090,000 | 545,998,000 | 539,922,000 |