Call reports 2019
PONCE BANK, NATIONAL ASSOCIATION — 2019
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,032,057,000 | 1,054,684,000 | 1,098,506,000 | 1,051,663,000 |
| Total loans | 937,548,000 | 946,754,000 | 960,709,000 | 968,490,000 |
| Allowance for loan losses | 12,449,000 | 12,518,000 | 12,161,000 | 12,328,000 |
| Securities available for sale | 22,170,000 | 22,158,000 | 51,970,000 | 21,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 845,000,000 | 831,409,000 | 782,381,000 | 801,754,000 |
| Interest-bearing deposits | 729,947,000 | 711,162,000 | 682,123,000 | 696,412,000 |
| Noninterest-bearing deposits | 115,053,000 | 120,247,000 | 100,258,000 | 105,342,000 |
| Equity capital | 132,267,000 | 134,128,000 | 135,511,000 | 136,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,381,000 | 24,796,000 | 37,749,000 | 50,491,000 |
| Interest expense | 3,023,000 | 6,211,000 | 9,516,000 | 12,794,000 |
| Net interest income | 9,358,000 | 18,585,000 | 28,233,000 | 37,697,000 |
| Noninterest income | 754,000 | 1,543,000 | 2,213,000 | 2,980,000 |
| Noninterest expense | 8,301,000 | 16,223,000 | 24,860,000 | 43,807,000 |
| Provision for loan losses | 149,000 | 149,000 | 163,000 | 258,000 |
| Pretax income | 1,662,000 | 3,756,000 | 5,423,000 | -3,388,000 |
| Income tax | 420,000 | 920,000 | 1,368,000 | -391,000 |
| Net income | 1,242,000 | 2,836,000 | 4,055,000 | -2,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,303,000 | 142,069,000 | 143,458,000 | 136,584,000 |
| Total capital | 150,050,000 | 151,817,000 | 153,434,000 | 146,452,000 |
| Risk-weighted assets | 776,803,000 | 776,782,000 | 795,541,000 | 786,541,000 |