Call reports 2014
PONCE BANK, NATIONAL ASSOCIATION — 2014
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 722,336,000 | 722,881,000 | 707,886,000 | 706,414,000 |
| Total loans | 569,383,000 | 566,522,000 | 555,985,000 | 555,445,000 |
| Allowance for loan losses | 9,888,000 | 9,524,000 | 9,660,000 | 9,449,000 |
| Securities available for sale | 102,447,000 | 105,029,000 | 101,964,000 | 100,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,447,000 | 616,421,000 | 601,385,000 | 602,129,000 |
| Interest-bearing deposits | 561,298,000 | 564,071,000 | 552,765,000 | 544,744,000 |
| Noninterest-bearing deposits | 56,149,000 | 52,350,000 | 48,620,000 | 57,385,000 |
| Equity capital | 88,567,000 | 90,358,000 | 90,527,000 | 89,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,271,000 | 18,236,000 | 26,895,000 | 35,495,000 |
| Interest expense | 1,494,000 | 2,910,000 | 4,332,000 | 5,730,000 |
| Net interest income | 7,777,000 | 15,326,000 | 22,563,000 | 29,765,000 |
| Noninterest income | 589,000 | 1,380,000 | 2,137,000 | 2,749,000 |
| Noninterest expense | 6,453,000 | 13,021,000 | 19,542,000 | 25,797,000 |
| Provision for loan losses | 1,171,000 | 888,000 | 1,443,000 | 1,183,000 |
| Pretax income | 742,000 | 2,797,000 | 3,715,000 | 5,534,000 |
| Income tax | 339,000 | 1,238,000 | 1,697,000 | 2,998,000 |
| Net income | 403,000 | 1,559,000 | 2,018,000 | 2,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,781,000 | 93,973,000 | 94,469,000 | 95,024,000 |
| Total capital | 99,263,000 | 100,454,000 | 100,794,000 | 101,295,000 |
| Risk-weighted assets | 515,142,000 | 515,422,000 | 502,692,000 | 498,525,000 |