Call reports 2021
PONCE BANK, NATIONAL ASSOCIATION — 2021
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,420,297,000 | 1,525,350,000 | 1,542,915,000 | 1,630,029,000 |
| Total loans | 1,245,925,000 | 1,359,388,000 | 1,318,205,000 | 1,321,395,000 |
| Allowance for loan losses | 15,508,000 | 15,875,000 | 16,008,000 | 16,352,000 |
| Securities available for sale | 30,928,000 | 48,536,000 | 104,359,000 | 113,346,000 |
| Securities held to maturity | 1,732,000 | 1,720,000 | 1,436,000 | 933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,154,177,000 | 1,251,057,000 | 1,267,520,000 | 1,338,489,000 |
| Interest-bearing deposits | 932,032,000 | 950,664,000 | 986,771,000 | 961,502,000 |
| Noninterest-bearing deposits | 222,145,000 | 300,393,000 | 280,749,000 | 376,987,000 |
| Equity capital | 144,864,000 | 151,672,000 | 154,493,000 | 169,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 15,028,000 | 30,788,000 | 48,122,000 | 66,647,000 |
| Interest expense | 2,187,000 | 4,266,000 | 6,221,000 | 8,015,000 |
| Net interest income | 12,841,000 | 26,522,000 | 41,901,000 | 58,632,000 |
| Noninterest income | 1,651,000 | 7,565,000 | 8,762,000 | 26,016,000 |
| Noninterest expense | 9,848,000 | 20,456,000 | 32,375,000 | 45,448,000 |
| Provision for loan losses | 686,000 | 1,272,000 | 1,844,000 | 2,717,000 |
| Pretax income | 3,958,000 | 12,413,000 | 16,508,000 | 36,595,000 |
| Income tax | 1,106,000 | 2,850,000 | 3,717,000 | 8,540,000 |
| Net income | 2,852,000 | 9,563,000 | 12,791,000 | 28,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,836,000 | 151,713,000 | 155,114,000 | 171,254,000 |
| Total capital | 157,326,000 | 164,531,000 | 168,169,000 | 184,689,000 |
| Risk-weighted assets | 995,958,000 | 1,022,134,000 | 1,041,227,000 | 1,071,682,000 |