Ponce De Leon Federal Bank in Bronx, New York (NY), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Ponce De Leon Federal Bank in Bronx, New York (NY), NJ
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Ponce De Leon Federal Bank - Overview

  • General
  • FDIC Certificate #: 31189
    Status: Active
    Federal Reserve ID: 897170
    Date Established: June 30, 1960
    WWW: http://www.poncedeleonfederalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 6509
    FDIC's unique #: 44023
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 30, 1960
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2244 Westchester Avenue, Bronx, NY 10462
    County: Bronx
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): New York, NY (#5600)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $759.1 mil
    Equity capital: $83.1 mil
    Deposits held in domestic offices: $668.4 mil
    Return on assets (ROA): 0.64% ($4.9 mil)
    Quarterly return on assets: 0.56% ($4.3 mil)
    Return on Equity (ROE): 5.89% ($4.9 mil)
    Quarterly return on equity: 5.12% ($4.2 mil)
    Net income: $4.8 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.14% ($8,653.9 mil)
    Quarterly Pretax return on assets: 1.09% ($8,274.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 167Total employees (full-time equivalent)
  • $759,115Total assets
  • $13,816Cash and due from depository institutions
  • $9,256Interest-bearing balances
  • $83,751Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $614,287Net loans & leases
  • $4,458Loan loss allowance
  • $0Trading account assets
  • $29,126Bank premises and fixed assets
  • $2,608Other real estate owned
  • $709Goodwill and other intangibles
  • $759,115Life insurance assets
  • $14,818All other assets
  • $676,061Total liabilities and capital
  • $668,404Total liabilities
  • $630,533Total deposits
  • $668,404Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1936.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $3,721Subordinated debt
  • $83,054All other liabilities
  • $83,054Total equity capital
  • $83,054Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $83,054Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $47,491Income earned, not collected on loans
  • $0Earning assets
  • $3,758Long-term assets (5+ years)
  • $707,294Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $754,091Volatile liabilities
  • $760,343Insider loans
  • $534,157FHLB advances
  • $758,018Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $85,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,471Restructured Loans and leases
  • $867Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $44,360Total interest income
  • $11,213Total interest expense
  • $33,147Net interest income
  • $3,322Provision for loan and lease losses
  • $3,642Total noninterest income
  • $0Fiduciary activities
  • $1,139Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,503Additional noninterest income
  • $24,882Total noninterest expense
  • $12,697Salaries and employee benefits
  • $6,182Premises and equipment expense
  • $6,003Additional noninterest expense
  • $8,585Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,789Applicable income taxes
  • $4,796Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,796Net income attributable to bank
  • $0Net charge-offs
  • $4,796Cash dividends
  • $5,879Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.29%Yield on earning assets
  • 1.59%Cost of funding earning assets
  • 4.70%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 5.89%Return on equity (ROE)
  • 5.89%Retained earnings to average equity (YTD only)
  • 0.94%Net charge-offs to loans
  • 56.51%Credit loss provision to net charge-offs
  • 2.03%Efficiency ratio
  • 67,436Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 9.39%Noncurrent assets plus other real estate owned to assets
  • 6.60%Noncurrent loans to loans
  • 7.68%Net loans and leases to deposits
  • 91.90%Net loans and leases to core deposits
  • 102.35%Equity capital to assets
  • 10.94%Core capital (leverage) ratio
  • 11.28%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $754,091Average earning assets
  • $81,400Average equity
  • $704,900Average loans

List of branches

  • 1 New Jersey Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    107495368Bergenline Ave. Branch3821 Bergenline Ave, Union City, NJ 7087March 11, 2003Full Service Brick and Mortar
  • 10 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044023Ponce De Leon Federal Bank2244 Westchester Avenue, Bronx, NY 10462June 30, 1960Full Service Brick and Mortar
    1283786Jackson Heights, Queens Branch37-47 82nd Street, Jackson Heights, NY 11372June 30, 1960Full Service Brick and Mortar
    100283787Jerome Avenue Branch30th East 170th St., Bronx, NY 10452June 30, 1988Full Service Brick and Mortar
    101283788Brooklyn Branch169 Smith Street, Brooklyn, NY 11201June 30, 1989Full Service Brick and Mortar
    102237025Manhattan Branch1925 Third Avenue, New York, NY 10029May 17, 1962Full Service Brick and Mortar
    103283789Westchester Avenue Branch2244 Westchester Avenue, Bronx, NY 10462November 12, 1997Full Service Brick and Mortar
    104356835Riverdale Branch5560 Broadway, Bronx, NY 10463November 09, 1998Full Service Brick and Mortar
    105492459Ralph Avenue Branch1900 Ralph Avenue, Brooklyn, NY 11234December 17, 2007Full Service Brick and Mortar
    106495359Astoria Branch3405 Broadway, Astoria, NY 11106April 05, 2002Full Service Brick and Mortar
    108273184Bensonhurst Branch2047 86th Street, Brooklyn, NY 11214June 30, 1988Full Service Brick and Mortar

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