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RockPointBank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$8,668,0003,018
Total interest expense$4,633,0002,113
Net interest income$4,035,0003,599
Provision for loan and lease losses$622,0001,122
Total noninterest income$341,0003,696
Gross Fiduciary activities income$0981
Service charges on deposit accounts$92,0003,425
Trading account gains and feesNANA
Additional Noninterest Income$249,0003,533
Total noninterest expense$5,550,0002,895
Salaries and employee benefits$3,292,0002,811
Premises and equipment expense$534,0002,860
Additional noninterest expense$249,0003,533
Pre-tax net operating income$-1,796,0004,527
Securities gains (losses)$-782,0004,262
Applicable income taxes$03,369
Income before extraordinary items$-2,578,0004,523
Extraordinary gains, net$054
Net income$-2,578,0004,522
Minority interest net income$088
Net income of bank and minority interests.$-2,578,0004,523
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$17,036,00034
Net operating income$-1,796,0004,517
2023-09-30 (YTD Data)Rank
Total interest income$6,008,0003,103
Total interest expense$3,069,0002,145
Net interest income$2,939,0003,652
Provision for loan and lease losses$555,000943
Total noninterest income$254,0003,705
Gross Fiduciary activities income$0950
Service charges on deposit accounts$66,0003,478
Trading account gains and feesNANA
Additional Noninterest Income$188,0003,527
Total noninterest expense$4,146,0002,895
Salaries and employee benefits$2,441,0002,818
Premises and equipment expense$405,0002,852
Additional noninterest expense$188,0003,525
Pre-tax net operating income$-1,508,0004,527
Securities gains (losses)$-360,0004,320
Applicable income taxes$03,407
Income before extraordinary items$-1,868,0004,556
Extraordinary gains, net$052
Net income$-1,868,0004,554
Minority interest net income$081
Net income of bank and minority interests.$-1,868,0004,556
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$17,005,00026
Net operating income$-1,508,0004,554
2023-06-30 (YTD Data)Rank
Total interest income$3,659,0003,206
Total interest expense$1,804,0002,142
Net interest income$1,855,0003,728
Provision for loan and lease losses$357,000937
Total noninterest income$173,0003,697
Gross Fiduciary activities income$0931
Service charges on deposit accounts$41,0003,527
Trading account gains and feesNANA
Additional Noninterest Income$132,0003,492
Total noninterest expense$2,864,0002,836
Salaries and employee benefits$1,748,0002,712
Premises and equipment expense$268,0002,862
Additional noninterest expense$132,0003,479
Pre-tax net operating income$-1,193,0004,568
Securities gains (losses)$-360,0004,440
Applicable income taxes$03,436
Income before extraordinary items$-1,553,0004,605
Extraordinary gains, net$051
Net income$-1,553,0004,603
Minority interest net income$081
Net income of bank and minority interests.$-1,553,0004,604
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$6,195,00038
Net operating income$-1,193,0004,596
2023-03-31 (YTD Data)Rank
Total interest income$1,701,0003,297
Total interest expense$831,0002,058
Net interest income$870,0003,811
Provision for loan and lease losses$115,0001,209
Total noninterest income$99,0003,603
Gross Fiduciary activities income$0913
Service charges on deposit accounts$18,0003,640
Trading account gains and feesNANA
Additional Noninterest Income$81,0003,340
Total noninterest expense$1,405,0002,898
Salaries and employee benefits$855,0002,786
Premises and equipment expense$133,0002,923
Additional noninterest expense$81,0003,340
Pre-tax net operating income$-551,0004,619
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$-551,0004,598
Extraordinary gains, net$04
Net income$-551,0004,598
Minority interest net income$048
Net income of bank and minority interests.$-551,0004,598
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$31,000344
Net operating income$-551,0004,607
2022-12-31 (YTD Data)Rank
Total interest income$4,094,0003,706
Total interest expense$1,051,0002,357
Net interest income$3,043,0003,890
Provision for loan and lease losses$616,0001,088
Total noninterest income$263,0004,012
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$64,0003,784
Trading account gains and feesNANA
Additional Noninterest Income$199,0003,819
Total noninterest expense$5,053,0003,025
Salaries and employee benefits$2,957,0002,967
Premises and equipment expense$528,0002,908
Additional noninterest expense$199,0003,819
Pre-tax net operating income$-2,363,0004,679
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$-2,363,0004,665
Extraordinary gains, net$05
Net income$-2,363,0004,664
Minority interest net income$063
Net income of bank and minority interests.$-2,363,0004,665
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$138,000443
Net operating income$-2,363,0004,669
2022-09-30 (YTD Data)Rank
Total interest income$2,605,0003,865
Total interest expense$437,0002,829
Net interest income$2,168,0003,932
Provision for loan and lease losses$472,000996
Total noninterest income$180,0004,092
Gross Fiduciary activities income$0968
Service charges on deposit accounts$30,0004,100
Trading account gains and feesNANA
Additional Noninterest Income$150,0003,839
Total noninterest expense$3,889,0002,959
Salaries and employee benefits$2,311,0002,887
Premises and equipment expense$396,0002,927
Additional noninterest expense$150,0003,839
Pre-tax net operating income$-2,013,0004,732
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$-2,013,0004,703
Extraordinary gains, net$04
Net income$-2,013,0004,703
Minority interest net income$057
Net income of bank and minority interests.$-2,013,0004,703
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$105,000404
Net operating income$-2,013,0004,719
2022-06-30 (YTD Data)Rank
Total interest income$1,471,0004,020
Total interest expense$181,0003,324
Net interest income$1,290,0004,046
Provision for loan and lease losses$398,000801
Total noninterest income$120,0004,078
Gross Fiduciary activities income$0925
Service charges on deposit accounts$16,0004,234
Trading account gains and feesNANA
Additional Noninterest Income$104,0003,829
Total noninterest expense$2,633,0002,944
Salaries and employee benefits$1,580,0002,859
Premises and equipment expense$264,0002,936
Additional noninterest expense$789,0003,015
Pre-tax net operating income$-1,621,0004,748
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$-1,621,0004,726
Extraordinary gains, net$04
Net income$-1,621,0004,726
Minority interest net income$060
Net income of bank and minority interests.$-1,621,0004,726
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$72,000388
Net operating income$-1,621,0004,744
2022-03-31 (YTD Data)Rank
Total interest income$606,0004,175
Total interest expense$70,0003,600
Net interest income$536,0004,194
Provision for loan and lease losses$269,000543
Total noninterest income$50,0004,171
Gross Fiduciary activities income$0892
Service charges on deposit accounts$7,0004,296
Trading account gains and feesNANA
Additional Noninterest Income$43,0003,896
Total noninterest expense$1,284,0002,977
Salaries and employee benefits$759,0002,914
Premises and equipment expense$132,0002,940
Additional noninterest expense$393,0003,000
Pre-tax net operating income$-967,0004,772
Securities gains (losses)$0623
Applicable income taxes$03,450
Income before extraordinary items$-967,0004,761
Extraordinary gains, net$04
Net income$-967,0004,761
Minority interest net income$050
Net income of bank and minority interests.$-967,0004,761
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$41,000344
Net operating income$-967,0004,766
2021-12-31 (YTD Data)Rank
Total interest income$793,0004,721
Total interest expense$140,0004,353
Net interest income$653,0004,728
Provision for loan and lease losses$609,000871
Total noninterest income$46,0004,702
Gross Fiduciary activities income$0994
Service charges on deposit accounts$8,0004,614
Trading account gains and feesNANA
Additional Noninterest Income$38,0004,600
Total noninterest expense$4,122,0003,316
Salaries and employee benefits$2,455,0003,221
Premises and equipment expense$739,0002,442
Additional noninterest expense$928,0003,780
Pre-tax net operating income$-4,032,0004,834
Securities gains (losses)$02,062
Applicable income taxes$03,710
Income before extraordinary items$-4,032,0004,826
Extraordinary gains, net$010
Net income$-4,032,0004,826
Minority interest net income$074
Net income of bank and minority interests.$-4,032,0004,826
Net charge-offs$02,705
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$31,336,00027
Net operating income$-4,032,0004,825
2021-09-30 (YTD Data)Rank
Total interest income$361,0004,858
Total interest expense$88,0004,537
Net interest income$273,0004,864
Provision for loan and lease losses$443,000925
Total noninterest income$3,0004,870
Gross Fiduciary activities income$0957
Service charges on deposit accounts$4,0004,727
Trading account gains and feesNANA
Additional Noninterest Income$-1,0004,886
Total noninterest expense$2,885,0003,438
Salaries and employee benefits$1,794,0003,273
Premises and equipment expense$538,0002,506
Additional noninterest expense$553,0004,073
Pre-tax net operating income$-3,052,0004,908
Securities gains (losses)$02,015
Applicable income taxes$03,719
Income before extraordinary items$-3,052,0004,902
Extraordinary gains, net$08
Net income$-3,052,0004,902
Minority interest net income$069
Net income of bank and minority interests.$-3,052,0004,902
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$31,273,00022
Net operating income$-3,052,0004,901
2021-06-30 (YTD Data)Rank
Total interest income$100,0004,929
Total interest expense$35,0004,755
Net interest income$65,0004,932
Provision for loan and lease losses$202,0001,180
Total noninterest income$2,0004,908
Gross Fiduciary activities income$0951
Service charges on deposit accounts$1,0004,787
Trading account gains and feesNANA
Additional Noninterest Income$1,0004,870
Total noninterest expense$1,819,0003,523
Salaries and employee benefits$1,162,0003,315
Premises and equipment expense$339,0002,567
Additional noninterest expense$318,0004,242
Pre-tax net operating income$-1,954,0004,943
Securities gains (losses)$01,818
Applicable income taxes$03,702
Income before extraordinary items$-1,954,0004,937
Extraordinary gains, net$06
Net income$-1,954,0004,936
Minority interest net income$067
Net income of bank and minority interests.$-1,954,0004,936
Net charge-offs$02,245
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$31,212,00016
Net operating income$-1,954,0004,937
2021-03-31 (YTD Data)Rank
Total interest income$4,0004,974
Total interest expense$4,0004,931
Net interest income$04,973
Provision for loan and lease losses$02,741
Total noninterest income$04,935
Gross Fiduciary activities income$0922
Service charges on deposit accounts$04,819
Trading account gains and feesNANA
Additional Noninterest Income$04,892
Total noninterest expense$826,0003,670
Salaries and employee benefits$538,0003,442
Premises and equipment expense$145,0002,828
Additional noninterest expense$143,0004,345
Pre-tax net operating income$-826,0004,970
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$-826,0004,961
Extraordinary gains, net$03
Net income$-826,0004,961
Minority interest net income$055
Net income of bank and minority interests.$-826,0004,961
Net charge-offs$01,930
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$31,154,00014
Net operating income$-826,0004,963

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.