Call reports 2015
PONCE BANK, NATIONAL ASSOCIATION — 2015
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 706,387,000 | 722,897,000 | 719,574,000 | 703,157,000 |
| Total loans | 561,655,000 | 580,509,000 | 573,417,000 | 580,449,000 |
| Allowance for loan losses | 9,357,000 | 9,541,000 | 9,554,000 | 9,484,000 |
| Securities available for sale | 100,155,000 | 99,878,000 | 98,407,000 | 82,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,835,000 | 598,256,000 | 595,367,000 | 602,107,000 |
| Interest-bearing deposits | 541,917,000 | 541,604,000 | 540,033,000 | 545,025,000 |
| Noninterest-bearing deposits | 55,918,000 | 56,652,000 | 55,334,000 | 57,082,000 |
| Equity capital | 90,131,000 | 90,135,000 | 90,961,000 | 91,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,413,000 | 16,858,000 | 25,266,000 | 33,589,000 |
| Interest expense | 1,369,000 | 2,778,000 | 4,218,000 | 5,649,000 |
| Net interest income | 7,044,000 | 14,080,000 | 21,048,000 | 27,940,000 |
| Noninterest income | 617,000 | 1,307,000 | 1,832,000 | 2,462,000 |
| Noninterest expense | 6,574,000 | 13,048,000 | 19,669,000 | 26,216,000 |
| Provision for loan losses | -12,000 | 194,000 | 257,000 | 353,000 |
| Pretax income | 1,099,000 | 2,145,000 | 2,954,000 | 3,833,000 |
| Income tax | 550,000 | 662,000 | 987,000 | 1,315,000 |
| Net income | 549,000 | 1,483,000 | 1,967,000 | 2,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,753,000 | 96,700,000 | 97,198,000 | 97,764,000 |
| Total capital | 102,187,000 | 103,267,000 | 103,616,000 | 104,085,000 |
| Risk-weighted assets | 511,634,000 | 522,322,000 | 510,279,000 | 502,459,000 |