Call reports 2013
PONCE BANK, NATIONAL ASSOCIATION — 2013
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 759,146,000 | 744,198,000 | 737,625,000 | 730,644,000 |
| Total loans | 590,626,000 | 586,695,000 | 582,130,000 | 577,230,000 |
| Allowance for loan losses | 10,679,000 | 11,259,000 | 10,253,000 | 9,940,000 |
| Securities available for sale | 113,760,000 | 100,751,000 | 104,573,000 | 102,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,354,000 | 651,239,000 | 637,293,000 | 629,357,000 |
| Interest-bearing deposits | 615,270,000 | 600,979,000 | 590,146,000 | 577,846,000 |
| Noninterest-bearing deposits | 51,084,000 | 50,260,000 | 47,147,000 | 51,511,000 |
| Equity capital | 86,842,000 | 86,959,000 | 85,834,000 | 87,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,523,000 | 18,899,000 | 28,153,000 | 37,162,000 |
| Interest expense | 2,039,000 | 3,999,000 | 5,897,000 | 7,701,000 |
| Net interest income | 7,484,000 | 14,900,000 | 22,256,000 | 29,461,000 |
| Noninterest income | 690,000 | 1,191,000 | 1,838,000 | 3,106,000 |
| Noninterest expense | 5,847,000 | 12,065,000 | 18,359,000 | 24,671,000 |
| Provision for loan losses | 593,000 | 1,381,000 | 1,850,000 | 3,426,000 |
| Pretax income | 1,734,000 | 2,645,000 | 3,885,000 | 4,470,000 |
| Income tax | 697,000 | 1,068,000 | 1,663,000 | 2,015,000 |
| Net income | 1,037,000 | 1,577,000 | 2,222,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,817,000 | 91,393,000 | 91,191,000 | 92,343,000 |
| Total capital | 97,655,000 | 98,164,000 | 97,922,000 | 98,975,000 |
| Risk-weighted assets | 543,179,000 | 537,183,000 | 534,985,000 | 527,281,000 |