Call reports 2016
PONCE BANK, NATIONAL ASSOCIATION — 2016
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 720,855,000 | 727,557,000 | 736,262,000 | 744,983,000 |
| Total loans | 590,411,000 | 605,595,000 | 626,205,000 | 654,495,000 |
| Allowance for loan losses | 9,462,000 | 9,757,000 | 9,964,000 | 10,205,000 |
| Securities available for sale | 78,095,000 | 72,102,000 | 62,363,000 | 52,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 624,937,000 | 632,438,000 | 640,215,000 | 646,960,000 |
| Interest-bearing deposits | 554,616,000 | 557,896,000 | 560,440,000 | 569,785,000 |
| Noninterest-bearing deposits | 70,321,000 | 74,542,000 | 79,775,000 | 77,175,000 |
| Equity capital | 92,229,000 | 92,503,000 | 92,760,000 | 92,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,600,000 | 16,828,000 | 25,199,000 | 33,741,000 |
| Interest expense | 1,433,000 | 2,919,000 | 4,411,000 | 5,937,000 |
| Net interest income | 7,167,000 | 13,909,000 | 20,788,000 | 27,804,000 |
| Noninterest income | 541,000 | 1,212,000 | 1,849,000 | 2,432,000 |
| Noninterest expense | 6,957,000 | 13,922,000 | 20,801,000 | 27,863,000 |
| Provision for loan losses | -547,000 | -312,000 | -196,000 | -57,000 |
| Pretax income | 1,298,000 | 1,511,000 | 2,032,000 | 2,430,000 |
| Income tax | 490,000 | 607,000 | 846,000 | 1,005,000 |
| Net income | 808,000 | 904,000 | 1,186,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,567,000 | 98,685,000 | 98,989,000 | 99,240,000 |
| Total capital | 104,958,000 | 105,327,000 | 105,739,000 | 106,190,000 |
| Risk-weighted assets | 508,150,000 | 528,215,000 | 536,783,000 | 552,712,000 |