Call reports 2022
ROCKPOINTBANK, NATIONAL ASSOCIATION — 2022
What ROCKPOINTBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 128,498,000 | 137,933,000 | 169,249,000 | 191,377,000 |
| Total loans | 89,869,000 | 100,834,000 | 109,342,000 | 123,099,000 |
| Allowance for loan losses | 878,000 | 1,007,000 | 1,081,000 | 1,225,000 |
| Securities available for sale | 25,339,000 | 24,110,000 | 34,238,000 | 36,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,154,000 | 108,436,000 | 144,569,000 | 166,403,000 |
| Interest-bearing deposits | 75,843,000 | 85,203,000 | 119,839,000 | 139,879,000 |
| Noninterest-bearing deposits | 17,311,000 | 23,233,000 | 24,730,000 | 26,524,000 |
| Equity capital | 24,934,000 | 23,478,000 | 21,685,000 | 22,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,457,000 | 2,575,000 | 4,094,000 |
| Interest expense | 70,000 | 181,000 | 437,000 | 1,051,000 |
| Net interest income | 536,000 | 1,276,000 | 2,138,000 | 3,043,000 |
| Noninterest income | 50,000 | 120,000 | 180,000 | 263,000 |
| Noninterest expense | 1,284,000 | 2,633,000 | 3,889,000 | 5,053,000 |
| Provision for loan losses | 269,000 | 398,000 | 472,000 | 616,000 |
| Pretax income | -967,000 | -1,635,000 | -2,043,000 | -2,363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -967,000 | -1,635,000 | -2,043,000 | -2,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,378,000 | 25,742,000 | 25,366,000 | 25,078,000 |
| Total capital | 27,256,000 | 26,749,000 | 26,447,000 | 26,303,000 |
| Risk-weighted assets | 110,575,000 | 120,839,000 | 135,746,000 | 149,161,000 |