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Income Overview
Net Income
$8,342K
EPS
$0.36
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Interest on loans receivable
43,982
39,849*
41,486
40,291
Interest on deposits due from banks
770
1,985*
978
807
Interest and dividend on securities and fhlbny stock
3,910
4,634*
4,383
4,762
Total interest and dividend income
48,662
46,467*
46,847
45,860
Interest on certificates of deposit
6,415
7,493*
6,553
7,382
Interest on other deposits
8,630
8,134*
9,996
9,058
Interest on borrowings
5,391
5,539*
5,050
4,994
Total interest expense
20,436
21,165*
21,599
21,434
Net interest income
28,226
25,302*
25,248
24,426
Provision (benefit) for credit gaines (note 3) (note 5)
1,656
-702*
1,364
1,626
Net interest income after provision (benefit) for credit losses
26,570
26,004*
23,884
22,800
Service charges and fees
539
542*
539
511
Brokerage commissions
-
11*
8
-
Late and prepayment charges
726
1,413*
385
530
Income on sale of mortgage loans
120
120*
166
169
Income on sale of sba loans
-
101*
-
-
Grant income
-
-0*
429
428
Other
657
1,899*
-35
422
Total non-interest income
2,042
4,084*
1,492
2,060
Compensation and benefits
8,663
8,146*
7,868
7,627
Occupancy and equipment
3,672
4,026*
3,934
3,907
Data processing expenses
1,219
1,133*
1,296
1,188
Direct loan expenses
121
306*
155
241
Insurance and surety bond premiums
333
332*
318
297
Office supplies, telephone and postage
193
184*
170
174
Professional fees
1,346
1,368*
1,409
1,367
Marketing and promotional expenses
228
-48*
184
266
Federal deposit insurance and regulatory assessment
409
152*
266
546
Other operating expenses
1,056
1,181*
1,018
1,256
Total non-interest expense
17,240
16,779*
16,618
16,869
Income before income taxes
11,372
13,309*
8,758
7,991
Provision for income taxes
2,749
3,517*
2,250
1,891
Net income
8,623
9,792*
6,508
6,100
Dividends on preferred shares
281
281*
281
282
Net income available to common stockholders
8,342
9,511
6,227
5,818
Basic EPS
0.36
0.418
0.27
0.26
Diluted EPS
0.36
0.412
0.27
0.25
Basic Average Shares
22,988,317
22,755,868
22,766,195
22,716,615
Diluted Average Shares
23,331,314
23,098,790
23,135,448
22,947,769
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest on loans
receivable
$43,982K
Interest and dividend on
securities and fhlbny stock
$3,910K
Interest on deposits due
from banks
$770K
Total interest and
dividend income
$48,662K
Net interest income
$28,226K
Late and prepayment
charges
$726K
Other
$657K
Service charges and fees
$539K
Income on sale of
mortgage loans
$120K
Total interest
expense
$20,436K
Net interest income
after provision...
$26,570K
Total non-interest
income
$2,042K
Provision (benefit) for
credit gaines (note 3)...
$1,656K
Interest on other
deposits
$8,630K
Interest on certificates
of deposit
$6,415K
Interest on borrowings
$5,391K
Income before income
taxes
$11,372K
Total non-interest
expense
$17,240K
Net income
$8,623K
Provision for income taxes
$2,749K
Compensation and benefits
$8,663K
Occupancy and equipment
$3,672K
Professional fees
$1,346K
Data processing
expenses
$1,219K
Other operating
expenses
$1,056K
Federal deposit
insurance and regulatory...
$409K
Insurance and surety bond
premiums
$333K
Marketing and promotional
expenses
$228K
Office supplies,
telephone and postage
$193K
Direct loan expenses
$121K
Net income
available to common...
$8,342K
Dividends on preferred
shares
$281K
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Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. (PDLB)