Call reports 2020
PONCE BANK, NATIONAL ASSOCIATION — 2020
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,147,532,000 | 1,216,694,000 | 1,260,820,000 | 1,315,286,000 |
| Total loans | 986,787,000 | 1,086,502,000 | 1,123,614,000 | 1,174,493,000 |
| Allowance for loan losses | 13,483,000 | 13,761,000 | 14,381,000 | 14,870,000 |
| Securities available for sale | 19,144,000 | 13,801,000 | 14,512,000 | 17,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 848,739,000 | 952,049,000 | 987,357,000 | 1,041,988,000 |
| Interest-bearing deposits | 745,582,000 | 770,674,000 | 813,787,000 | 865,753,000 |
| Noninterest-bearing deposits | 103,157,000 | 181,375,000 | 173,570,000 | 176,235,000 |
| Equity capital | 136,243,000 | 136,420,000 | 140,875,000 | 141,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 13,030,000 | 25,422,000 | 38,976,000 | 53,064,000 |
| Interest expense | 3,174,000 | 6,113,000 | 8,880,000 | 11,358,000 |
| Net interest income | 9,856,000 | 19,309,000 | 30,096,000 | 41,706,000 |
| Noninterest income | 750,000 | 1,387,000 | 6,586,000 | 7,492,000 |
| Noninterest expense | 10,093,000 | 19,858,000 | 29,601,000 | 40,450,000 |
| Provision for loan losses | 1,146,000 | 1,417,000 | 2,037,000 | 2,443,000 |
| Pretax income | -633,000 | -512,000 | 5,036,000 | 6,306,000 |
| Income tax | -58,000 | 48,000 | 1,265,000 | 1,520,000 |
| Net income | -575,000 | -560,000 | 3,771,000 | 4,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,133,000 | 136,270,000 | 140,707,000 | 141,850,000 |
| Total capital | 146,434,000 | 146,791,000 | 151,968,000 | 153,951,000 |
| Risk-weighted assets | 820,617,000 | 838,006,000 | 897,581,000 | 965,158,000 |