Ponce Financial Group, Inc.PDLB

時価総額

$4.1億

PER

小売預金を集め、商業・住宅ローン等を行う地域金融機関の有力企業。混用物件中心の多棟住宅ローン、SBAローン、モーゲージ販売を展開。2022年6月の米財務省による2.25億ドルのECIP出資。ニューヨーク州・ニュージャージー州中心、フロリダにも展開。

	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Interest on loans receivable	66	70	96	131
Interest on deposits due from banks	0	1	5	9
Interest and Dividend Income, Securities, Operating	2	12	25	23
Total interest and dividend income	67	83	126	163
Interest Expense, Time Deposits	4	3	17	28
Interest on other deposits	1	6	19	31
Interest on borrowings	3	6	25	27
Total interest expense	-	-	-	86
Net interest income	59	67	65	76
Provision for Loan, Lease, and Other Losses	-	-	1	1
Net interest income after provision (benefit) for credit losses	56	43	64	75
Service charges and fees	2	2	2	2
Brokerage commissions	1	1	0	0
Late and prepayment charges	1	1	2	1
Income on sale of mortgage loans	5	1	1	1
Income on sale of SBA loans	-	-	-	0
Loan origination	3	1	-	-
Grant income	-	-	4	-
Loss on sale of premises and equipment	-	-0	-	-
Other	2	1	1	3
Total non-interest income	35	6	10	7
Compensation and benefits	23	28	31	31
Occupancy, Net	11	14	15	15
Data processing expenses	3	4	5	4
Loan Processing Fee	4	2	2	3
(Benefit) provision for contingencies	-	-	2	-1
Insurance and surety bond premiums	1	1	1	1
Supplies and Postage Expense	2	2	1	1
Professional fees	8	6	7	6
Contribution Ponce De Leon Foundation	-	5	-	-
Microloans (Recoveries) And Write-Off	-	-	-	-0
Marketing and Advertising Expense	0	1	1	1
Federal deposit insurance and regulatory assessment	-	-	-	2
Other operating expenses	5	5	5	4
Total non-interest expense	57	86	69	67
Income (loss) before income taxes	34	-37	6	16
Benefit for income taxes	8	-7	3	5
Net income (loss)	25	-30	3	11
Dividends on preferred stock	-	-	-	1
Net income (loss) available to common stockholders	-	-	-	10
Basic	1.52	-1.32	0.15	0.46
Diluted	1.51	-1.32	0.15	0.46