Call reports 2018
PONCE BANK, NATIONAL ASSOCIATION — 2018
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 947,938,000 | 967,184,000 | 981,089,000 | 1,058,206,000 |
| Total loans | 834,423,000 | 862,177,000 | 906,250,000 | 931,168,000 |
| Allowance for loan losses | 11,409,000 | 11,751,000 | 12,366,000 | 12,659,000 |
| Securities available for sale | 28,426,000 | 28,148,000 | 24,181,000 | 27,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,601,000 | 789,951,000 | 802,710,000 | 846,662,000 |
| Interest-bearing deposits | 649,961,000 | 677,326,000 | 695,048,000 | 724,470,000 |
| Noninterest-bearing deposits | 140,640,000 | 112,625,000 | 107,662,000 | 122,192,000 |
| Equity capital | 125,995,000 | 127,269,000 | 128,339,000 | 130,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,710,000 | 22,093,000 | 33,831,000 | 46,156,000 |
| Interest expense | 2,181,000 | 4,578,000 | 7,213,000 | 10,070,000 |
| Net interest income | 8,529,000 | 17,515,000 | 26,618,000 | 36,086,000 |
| Noninterest income | 851,000 | 1,385,000 | 2,169,000 | 3,088,000 |
| Noninterest expense | 7,442,000 | 15,518,000 | 23,610,000 | 32,196,000 |
| Provision for loan losses | 94,000 | 431,000 | 1,034,000 | 1,249,000 |
| Pretax income | 1,844,000 | 2,951,000 | 4,155,000 | 5,741,000 |
| Income tax | 375,000 | 560,000 | 859,000 | 1,342,000 |
| Net income | 1,469,000 | 2,391,000 | 3,296,000 | 4,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,047,000 | 135,346,000 | 136,441,000 | 138,872,000 |
| Total capital | 142,783,000 | 144,376,000 | 145,779,000 | 148,487,000 |
| Risk-weighted assets | 695,869,000 | 719,375,000 | 743,683,000 | 765,765,000 |