Call reports 2024
ROCKPOINTBANK, NATIONAL ASSOCIATION — 2024
What ROCKPOINTBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 257,823,000 | 284,071,000 | 297,471,000 | 306,856,000 |
| Total loans | 204,163,000 | 229,853,000 | 239,971,000 | 245,014,000 |
| Allowance for loan losses | 1,923,000 | 2,225,000 | 2,280,000 | 2,238,000 |
| Securities available for sale | 25,425,000 | 26,937,000 | 36,042,000 | 32,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,629,000 | 233,908,000 | 246,090,000 | 255,762,000 |
| Interest-bearing deposits | 177,882,000 | 203,164,000 | 213,426,000 | 222,604,000 |
| Noninterest-bearing deposits | 29,747,000 | 30,744,000 | 32,664,000 | 33,158,000 |
| Equity capital | 37,342,000 | 37,468,000 | 38,544,000 | 38,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,048,000 | 6,631,000 | 10,765,000 | 15,023,000 |
| Interest expense | 1,804,000 | 3,922,000 | 6,319,000 | 8,587,000 |
| Net interest income | 1,244,000 | 2,709,000 | 4,446,000 | 6,436,000 |
| Noninterest income | 109,000 | 251,000 | 365,000 | 496,000 |
| Noninterest expense | 1,435,000 | 2,832,000 | 4,307,000 | 5,887,000 |
| Provision for loan losses | 86,000 | 388,000 | 444,000 | 402,000 |
| Pretax income | -119,000 | -183,000 | 111,000 | 663,000 |
| Income tax | 0 | 0 | 0 | 48,000 |
| Net income | -119,000 | -183,000 | 111,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,279,000 | 39,248,000 | 39,576,000 | 40,112,000 |
| Total capital | 41,336,000 | 41,579,000 | 41,990,000 | 42,515,000 |
| Risk-weighted assets | 213,490,000 | 233,663,000 | 242,642,000 | 246,689,000 |