Call reports 2025
PONCE BANK, NATIONAL ASSOCIATION — 2025
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,076,841,000 | 3,143,813,000 | 3,145,279,000 | 3,214,470,000 |
| Total loans | 2,402,472,000 | 2,488,515,000 | 2,520,604,000 | 2,628,095,000 |
| Allowance for loan losses | 22,974,000 | 24,100,000 | 24,764,000 | 25,449,000 |
| Securities available for sale | 103,570,000 | 96,562,000 | 94,822,000 | 92,196,000 |
| Securities held to maturity | 358,237,000 | 337,078,000 | 285,353,000 | 273,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,030,903,000 | 2,065,934,000 | 2,076,195,000 | 2,061,697,000 |
| Interest-bearing deposits | 1,805,639,000 | 1,855,310,000 | 1,870,331,000 | 1,838,159,000 |
| Noninterest-bearing deposits | 225,264,000 | 210,624,000 | 205,864,000 | 223,538,000 |
| Equity capital | 475,771,000 | 483,594,000 | 492,764,000 | 504,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 43,996,000 | 89,857,000 | 136,704,000 | 185,524,000 |
| Interest expense | 21,855,000 | 43,352,000 | 65,013,000 | 85,961,000 |
| Net interest income | 22,141,000 | 46,505,000 | 71,691,000 | 99,563,000 |
| Noninterest income | 2,269,000 | 4,474,000 | 6,630,000 | 9,622,000 |
| Noninterest expense | 16,016,000 | 32,027,000 | 47,763,000 | 63,482,000 |
| Provision for loan losses | 731,000 | 2,079,000 | 2,942,000 | 4,469,000 |
| Pretax income | 8,792,000 | 17,882,000 | 27,621,000 | 41,925,000 |
| Income tax | 2,229,000 | 4,428,000 | 6,949,000 | 10,540,000 |
| Net income | 6,563,000 | 13,454,000 | 20,672,000 | 31,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 489,286,000 | 496,519,000 | 504,235,000 | 515,502,000 |
| Total capital | 514,076,000 | 522,729,000 | 531,580,000 | 543,075,000 |
| Risk-weighted assets | 2,404,451,000 | 2,463,594,000 | 2,440,082,000 | 2,510,586,000 |