Call reports 2023
ROCKPOINTBANK, NATIONAL ASSOCIATION — 2023
What ROCKPOINTBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 193,016,000 | 196,618,000 | 216,289,000 | 225,795,000 |
| Total loans | 133,770,000 | 147,720,000 | 167,313,000 | 186,662,000 |
| Allowance for loan losses | 1,440,000 | 1,686,000 | 1,832,000 | 1,836,000 |
| Securities available for sale | 36,822,000 | 31,398,000 | 32,842,000 | 23,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,195,000 | 164,264,000 | 171,618,000 | 184,372,000 |
| Interest-bearing deposits | 138,115,000 | 135,581,000 | 146,941,000 | 156,434,000 |
| Noninterest-bearing deposits | 28,080,000 | 28,683,000 | 24,677,000 | 27,938,000 |
| Equity capital | 21,680,000 | 26,914,000 | 36,888,000 | 37,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,659,000 | 6,008,000 | 8,668,000 |
| Interest expense | 831,000 | 1,804,000 | 3,069,000 | 4,633,000 |
| Net interest income | 870,000 | 1,855,000 | 2,939,000 | 4,035,000 |
| Noninterest income | 99,000 | 173,000 | 254,000 | 341,000 |
| Noninterest expense | 1,405,000 | 2,864,000 | 4,146,000 | 5,550,000 |
| Provision for loan losses | 108,000 | 354,000 | 500,000 | 504,000 |
| Pretax income | -551,000 | -1,553,000 | -1,868,000 | -2,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -551,000 | -1,553,000 | -1,868,000 | -2,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,386,000 | 29,548,000 | 40,043,000 | 39,364,000 |
| Total capital | 25,899,000 | 31,303,000 | 41,996,000 | 41,384,000 |
| Risk-weighted assets | 158,160,000 | 171,414,000 | 190,686,000 | 199,722,000 |
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