Call reports 2024
PONCE BANK, NATIONAL ASSOCIATION — 2024
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,803,740,000 | 2,830,270,000 | 3,004,704,000 | 3,027,309,000 |
| Total loans | 2,013,952,000 | 2,083,999,000 | 2,213,863,000 | 2,319,837,000 |
| Allowance for loan losses | 24,664,000 | 24,061,000 | 23,966,000 | 22,502,000 |
| Securities available for sale | 116,044,000 | 113,125,000 | 111,005,000 | 104,970,000 |
| Securities held to maturity | 453,428,000 | 442,331,000 | 403,943,000 | 368,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,611,631,000 | 1,627,977,000 | 1,898,733,000 | 1,909,102,000 |
| Interest-bearing deposits | 1,405,228,000 | 1,435,475,000 | 1,697,735,000 | 1,722,181,000 |
| Noninterest-bearing deposits | 206,403,000 | 192,502,000 | 200,998,000 | 186,921,000 |
| Equity capital | 453,360,000 | 457,755,000 | 465,587,000 | 467,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 39,665,000 | 78,458,000 | 119,750,000 | 162,637,000 |
| Interest expense | 20,910,000 | 41,866,000 | 64,204,000 | 86,428,000 |
| Net interest income | 18,755,000 | 36,592,000 | 55,546,000 | 76,209,000 |
| Noninterest income | 1,634,000 | 3,445,000 | 4,966,000 | 7,019,000 |
| Noninterest expense | 15,508,000 | 31,071,000 | 46,525,000 | 63,065,000 |
| Provision for loan losses | -255,000 | -375,000 | 426,000 | 1,517,000 |
| Pretax income | 5,095,000 | 10,525,000 | 14,998,000 | 20,411,000 |
| Income tax | 1,593,000 | 2,966,000 | 3,870,000 | 5,690,000 |
| Net income | 3,502,000 | 7,559,000 | 11,128,000 | 14,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 469,950,000 | 474,312,000 | 478,273,000 | 482,300,000 |
| Total capital | 497,242,000 | 501,657,000 | 505,271,000 | 507,632,000 |
| Risk-weighted assets | 2,182,235,000 | 2,232,657,000 | 2,338,311,000 | 2,364,215,000 |