Call reports 2023
PONCE BANK, NATIONAL ASSOCIATION — 2023
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,527,056,000 | 2,658,705,000 | 2,610,701,000 | 2,736,531,000 |
| Total loans | 1,646,389,000 | 1,733,290,000 | 1,829,124,000 | 1,932,020,000 |
| Allowance for loan losses | 28,975,000 | 28,173,000 | 27,414,000 | 26,154,000 |
| Securities available for sale | 128,321,000 | 123,720,000 | 116,753,000 | 119,903,000 |
| Securities held to maturity | 492,458,000 | 482,813,000 | 471,711,000 | 462,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,378,381,000 | 1,474,947,000 | 1,428,837,000 | 1,532,206,000 |
| Interest-bearing deposits | 1,110,831,000 | 1,225,589,000 | 1,196,106,000 | 1,328,911,000 |
| Noninterest-bearing deposits | 267,550,000 | 249,358,000 | 232,731,000 | 203,295,000 |
| Equity capital | 442,729,000 | 442,554,000 | 443,274,000 | 450,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 26,352,000 | 57,407,000 | 90,913,000 | 125,863,000 |
| Interest expense | 11,181,000 | 26,027,000 | 43,065,000 | 60,891,000 |
| Net interest income | 15,171,000 | 31,380,000 | 47,848,000 | 64,972,000 |
| Noninterest income | 2,007,000 | 3,305,000 | 9,091,000 | 11,096,000 |
| Noninterest expense | 14,500,000 | 30,091,000 | 46,194,000 | 62,205,000 |
| Provision for loan losses | -321,000 | 614,000 | 1,363,000 | 1,237,000 |
| Pretax income | 1,867,000 | 2,279,000 | 7,505,000 | 10,396,000 |
| Income tax | 720,000 | 630,000 | 2,525,000 | 3,334,000 |
| Net income | 1,147,000 | 1,649,000 | 4,980,000 | 7,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 459,342,000 | 460,136,000 | 463,727,000 | 466,151,000 |
| Total capital | 481,303,000 | 483,200,000 | 488,108,000 | 492,622,000 |
| Risk-weighted assets | 1,747,603,000 | 1,837,199,000 | 1,944,290,000 | 2,114,412,000 |