Home > RockPointBank > Income and Expense
RockPointBank, Income and Expense
2023-12-31 (YTD Data) | Rank | |
Total interest income | $8,668,000 | 3,018 |
Total interest expense | $4,633,000 | 2,113 |
Net interest income | $4,035,000 | 3,599 |
Provision for loan and lease losses | $622,000 | 1,122 |
Total noninterest income | $341,000 | 3,696 |
Gross Fiduciary activities income | $0 | 981 |
Service charges on deposit accounts | $92,000 | 3,425 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $249,000 | 3,533 |
Total noninterest expense | $5,550,000 | 2,895 |
Salaries and employee benefits | $3,292,000 | 2,811 |
Premises and equipment expense | $534,000 | 2,860 |
Additional noninterest expense | $249,000 | 3,533 |
Pre-tax net operating income | $-1,796,000 | 4,527 |
Securities gains (losses) | $-782,000 | 4,262 |
Applicable income taxes | $0 | 3,369 |
Income before extraordinary items | $-2,578,000 | 4,523 |
Extraordinary gains, net | $0 | 54 |
Net income | $-2,578,000 | 4,522 |
Minority interest net income | $0 | 88 |
Net income of bank and minority interests. | $-2,578,000 | 4,523 |
Net charge-offs | $0 | 2,884 |
Cash dividends | $0 | 3,459 |
Sale, conversion, retirement of capital stock, net | $17,036,000 | 34 |
Net operating income | $-1,796,000 | 4,517 |
2023-09-30 (YTD Data) | Rank | |
Total interest income | $6,008,000 | 3,103 |
Total interest expense | $3,069,000 | 2,145 |
Net interest income | $2,939,000 | 3,652 |
Provision for loan and lease losses | $555,000 | 943 |
Total noninterest income | $254,000 | 3,705 |
Gross Fiduciary activities income | $0 | 950 |
Service charges on deposit accounts | $66,000 | 3,478 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $188,000 | 3,527 |
Total noninterest expense | $4,146,000 | 2,895 |
Salaries and employee benefits | $2,441,000 | 2,818 |
Premises and equipment expense | $405,000 | 2,852 |
Additional noninterest expense | $188,000 | 3,525 |
Pre-tax net operating income | $-1,508,000 | 4,527 |
Securities gains (losses) | $-360,000 | 4,320 |
Applicable income taxes | $0 | 3,407 |
Income before extraordinary items | $-1,868,000 | 4,556 |
Extraordinary gains, net | $0 | 52 |
Net income | $-1,868,000 | 4,554 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-1,868,000 | 4,556 |
Net charge-offs | $0 | 2,641 |
Cash dividends | $0 | 3,078 |
Sale, conversion, retirement of capital stock, net | $17,005,000 | 26 |
Net operating income | $-1,508,000 | 4,554 |
2023-06-30 (YTD Data) | Rank | |
Total interest income | $3,659,000 | 3,206 |
Total interest expense | $1,804,000 | 2,142 |
Net interest income | $1,855,000 | 3,728 |
Provision for loan and lease losses | $357,000 | 937 |
Total noninterest income | $173,000 | 3,697 |
Gross Fiduciary activities income | $0 | 931 |
Service charges on deposit accounts | $41,000 | 3,527 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $132,000 | 3,492 |
Total noninterest expense | $2,864,000 | 2,836 |
Salaries and employee benefits | $1,748,000 | 2,712 |
Premises and equipment expense | $268,000 | 2,862 |
Additional noninterest expense | $132,000 | 3,479 |
Pre-tax net operating income | $-1,193,000 | 4,568 |
Securities gains (losses) | $-360,000 | 4,440 |
Applicable income taxes | $0 | 3,436 |
Income before extraordinary items | $-1,553,000 | 4,605 |
Extraordinary gains, net | $0 | 51 |
Net income | $-1,553,000 | 4,603 |
Minority interest net income | $0 | 81 |
Net income of bank and minority interests. | $-1,553,000 | 4,604 |
Net charge-offs | $0 | 2,431 |
Cash dividends | $0 | 2,952 |
Sale, conversion, retirement of capital stock, net | $6,195,000 | 38 |
Net operating income | $-1,193,000 | 4,596 |
2023-03-31 (YTD Data) | Rank | |
Total interest income | $1,701,000 | 3,297 |
Total interest expense | $831,000 | 2,058 |
Net interest income | $870,000 | 3,811 |
Provision for loan and lease losses | $115,000 | 1,209 |
Total noninterest income | $99,000 | 3,603 |
Gross Fiduciary activities income | $0 | 913 |
Service charges on deposit accounts | $18,000 | 3,640 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $81,000 | 3,340 |
Total noninterest expense | $1,405,000 | 2,898 |
Salaries and employee benefits | $855,000 | 2,786 |
Premises and equipment expense | $133,000 | 2,923 |
Additional noninterest expense | $81,000 | 3,340 |
Pre-tax net operating income | $-551,000 | 4,619 |
Securities gains (losses) | $0 | 950 |
Applicable income taxes | $0 | 3,388 |
Income before extraordinary items | $-551,000 | 4,598 |
Extraordinary gains, net | $0 | 4 |
Net income | $-551,000 | 4,598 |
Minority interest net income | $0 | 48 |
Net income of bank and minority interests. | $-551,000 | 4,598 |
Net charge-offs | $0 | 2,062 |
Cash dividends | $0 | 2,337 |
Sale, conversion, retirement of capital stock, net | $31,000 | 344 |
Net operating income | $-551,000 | 4,607 |
2022-12-31 (YTD Data) | Rank | |
Total interest income | $4,094,000 | 3,706 |
Total interest expense | $1,051,000 | 2,357 |
Net interest income | $3,043,000 | 3,890 |
Provision for loan and lease losses | $616,000 | 1,088 |
Total noninterest income | $263,000 | 4,012 |
Gross Fiduciary activities income | $0 | 1,005 |
Service charges on deposit accounts | $64,000 | 3,784 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $199,000 | 3,819 |
Total noninterest expense | $5,053,000 | 3,025 |
Salaries and employee benefits | $2,957,000 | 2,967 |
Premises and equipment expense | $528,000 | 2,908 |
Additional noninterest expense | $199,000 | 3,819 |
Pre-tax net operating income | $-2,363,000 | 4,679 |
Securities gains (losses) | $0 | 691 |
Applicable income taxes | $0 | 3,596 |
Income before extraordinary items | $-2,363,000 | 4,665 |
Extraordinary gains, net | $0 | 5 |
Net income | $-2,363,000 | 4,664 |
Minority interest net income | $0 | 63 |
Net income of bank and minority interests. | $-2,363,000 | 4,665 |
Net charge-offs | $0 | 2,620 |
Cash dividends | $0 | 3,475 |
Sale, conversion, retirement of capital stock, net | $138,000 | 443 |
Net operating income | $-2,363,000 | 4,669 |
2022-09-30 (YTD Data) | Rank | |
Total interest income | $2,605,000 | 3,865 |
Total interest expense | $437,000 | 2,829 |
Net interest income | $2,168,000 | 3,932 |
Provision for loan and lease losses | $472,000 | 996 |
Total noninterest income | $180,000 | 4,092 |
Gross Fiduciary activities income | $0 | 968 |
Service charges on deposit accounts | $30,000 | 4,100 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $150,000 | 3,839 |
Total noninterest expense | $3,889,000 | 2,959 |
Salaries and employee benefits | $2,311,000 | 2,887 |
Premises and equipment expense | $396,000 | 2,927 |
Additional noninterest expense | $150,000 | 3,839 |
Pre-tax net operating income | $-2,013,000 | 4,732 |
Securities gains (losses) | $0 | 740 |
Applicable income taxes | $0 | 3,603 |
Income before extraordinary items | $-2,013,000 | 4,703 |
Extraordinary gains, net | $0 | 4 |
Net income | $-2,013,000 | 4,703 |
Minority interest net income | $0 | 57 |
Net income of bank and minority interests. | $-2,013,000 | 4,703 |
Net charge-offs | $0 | 2,349 |
Cash dividends | $0 | 3,099 |
Sale, conversion, retirement of capital stock, net | $105,000 | 404 |
Net operating income | $-2,013,000 | 4,719 |
2022-06-30 (YTD Data) | Rank | |
Total interest income | $1,471,000 | 4,020 |
Total interest expense | $181,000 | 3,324 |
Net interest income | $1,290,000 | 4,046 |
Provision for loan and lease losses | $398,000 | 801 |
Total noninterest income | $120,000 | 4,078 |
Gross Fiduciary activities income | $0 | 925 |
Service charges on deposit accounts | $16,000 | 4,234 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $104,000 | 3,829 |
Total noninterest expense | $2,633,000 | 2,944 |
Salaries and employee benefits | $1,580,000 | 2,859 |
Premises and equipment expense | $264,000 | 2,936 |
Additional noninterest expense | $789,000 | 3,015 |
Pre-tax net operating income | $-1,621,000 | 4,748 |
Securities gains (losses) | $0 | 687 |
Applicable income taxes | $0 | 3,564 |
Income before extraordinary items | $-1,621,000 | 4,726 |
Extraordinary gains, net | $0 | 4 |
Net income | $-1,621,000 | 4,726 |
Minority interest net income | $0 | 60 |
Net income of bank and minority interests. | $-1,621,000 | 4,726 |
Net charge-offs | $0 | 2,156 |
Cash dividends | $0 | 2,961 |
Sale, conversion, retirement of capital stock, net | $72,000 | 388 |
Net operating income | $-1,621,000 | 4,744 |
2022-03-31 (YTD Data) | Rank | |
Total interest income | $606,000 | 4,175 |
Total interest expense | $70,000 | 3,600 |
Net interest income | $536,000 | 4,194 |
Provision for loan and lease losses | $269,000 | 543 |
Total noninterest income | $50,000 | 4,171 |
Gross Fiduciary activities income | $0 | 892 |
Service charges on deposit accounts | $7,000 | 4,296 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $43,000 | 3,896 |
Total noninterest expense | $1,284,000 | 2,977 |
Salaries and employee benefits | $759,000 | 2,914 |
Premises and equipment expense | $132,000 | 2,940 |
Additional noninterest expense | $393,000 | 3,000 |
Pre-tax net operating income | $-967,000 | 4,772 |
Securities gains (losses) | $0 | 623 |
Applicable income taxes | $0 | 3,450 |
Income before extraordinary items | $-967,000 | 4,761 |
Extraordinary gains, net | $0 | 4 |
Net income | $-967,000 | 4,761 |
Minority interest net income | $0 | 50 |
Net income of bank and minority interests. | $-967,000 | 4,761 |
Net charge-offs | $0 | 1,838 |
Cash dividends | $0 | 2,284 |
Sale, conversion, retirement of capital stock, net | $41,000 | 344 |
Net operating income | $-967,000 | 4,766 |
2021-12-31 (YTD Data) | Rank | |
Total interest income | $793,000 | 4,721 |
Total interest expense | $140,000 | 4,353 |
Net interest income | $653,000 | 4,728 |
Provision for loan and lease losses | $609,000 | 871 |
Total noninterest income | $46,000 | 4,702 |
Gross Fiduciary activities income | $0 | 994 |
Service charges on deposit accounts | $8,000 | 4,614 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $38,000 | 4,600 |
Total noninterest expense | $4,122,000 | 3,316 |
Salaries and employee benefits | $2,455,000 | 3,221 |
Premises and equipment expense | $739,000 | 2,442 |
Additional noninterest expense | $928,000 | 3,780 |
Pre-tax net operating income | $-4,032,000 | 4,834 |
Securities gains (losses) | $0 | 2,062 |
Applicable income taxes | $0 | 3,710 |
Income before extraordinary items | $-4,032,000 | 4,826 |
Extraordinary gains, net | $0 | 10 |
Net income | $-4,032,000 | 4,826 |
Minority interest net income | $0 | 74 |
Net income of bank and minority interests. | $-4,032,000 | 4,826 |
Net charge-offs | $0 | 2,705 |
Cash dividends | $0 | 3,608 |
Sale, conversion, retirement of capital stock, net | $31,336,000 | 27 |
Net operating income | $-4,032,000 | 4,825 |
2021-09-30 (YTD Data) | Rank | |
Total interest income | $361,000 | 4,858 |
Total interest expense | $88,000 | 4,537 |
Net interest income | $273,000 | 4,864 |
Provision for loan and lease losses | $443,000 | 925 |
Total noninterest income | $3,000 | 4,870 |
Gross Fiduciary activities income | $0 | 957 |
Service charges on deposit accounts | $4,000 | 4,727 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $-1,000 | 4,886 |
Total noninterest expense | $2,885,000 | 3,438 |
Salaries and employee benefits | $1,794,000 | 3,273 |
Premises and equipment expense | $538,000 | 2,506 |
Additional noninterest expense | $553,000 | 4,073 |
Pre-tax net operating income | $-3,052,000 | 4,908 |
Securities gains (losses) | $0 | 2,015 |
Applicable income taxes | $0 | 3,719 |
Income before extraordinary items | $-3,052,000 | 4,902 |
Extraordinary gains, net | $0 | 8 |
Net income | $-3,052,000 | 4,902 |
Minority interest net income | $0 | 69 |
Net income of bank and minority interests. | $-3,052,000 | 4,902 |
Net charge-offs | $0 | 2,463 |
Cash dividends | $0 | 3,251 |
Sale, conversion, retirement of capital stock, net | $31,273,000 | 22 |
Net operating income | $-3,052,000 | 4,901 |
2021-06-30 (YTD Data) | Rank | |
Total interest income | $100,000 | 4,929 |
Total interest expense | $35,000 | 4,755 |
Net interest income | $65,000 | 4,932 |
Provision for loan and lease losses | $202,000 | 1,180 |
Total noninterest income | $2,000 | 4,908 |
Gross Fiduciary activities income | $0 | 951 |
Service charges on deposit accounts | $1,000 | 4,787 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $1,000 | 4,870 |
Total noninterest expense | $1,819,000 | 3,523 |
Salaries and employee benefits | $1,162,000 | 3,315 |
Premises and equipment expense | $339,000 | 2,567 |
Additional noninterest expense | $318,000 | 4,242 |
Pre-tax net operating income | $-1,954,000 | 4,943 |
Securities gains (losses) | $0 | 1,818 |
Applicable income taxes | $0 | 3,702 |
Income before extraordinary items | $-1,954,000 | 4,937 |
Extraordinary gains, net | $0 | 6 |
Net income | $-1,954,000 | 4,936 |
Minority interest net income | $0 | 67 |
Net income of bank and minority interests. | $-1,954,000 | 4,936 |
Net charge-offs | $0 | 2,245 |
Cash dividends | $0 | 3,104 |
Sale, conversion, retirement of capital stock, net | $31,212,000 | 16 |
Net operating income | $-1,954,000 | 4,937 |
2021-03-31 (YTD Data) | Rank | |
Total interest income | $4,000 | 4,974 |
Total interest expense | $4,000 | 4,931 |
Net interest income | $0 | 4,973 |
Provision for loan and lease losses | $0 | 2,741 |
Total noninterest income | $0 | 4,935 |
Gross Fiduciary activities income | $0 | 922 |
Service charges on deposit accounts | $0 | 4,819 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $0 | 4,892 |
Total noninterest expense | $826,000 | 3,670 |
Salaries and employee benefits | $538,000 | 3,442 |
Premises and equipment expense | $145,000 | 2,828 |
Additional noninterest expense | $143,000 | 4,345 |
Pre-tax net operating income | $-826,000 | 4,970 |
Securities gains (losses) | $0 | 1,392 |
Applicable income taxes | $0 | 3,613 |
Income before extraordinary items | $-826,000 | 4,961 |
Extraordinary gains, net | $0 | 3 |
Net income | $-826,000 | 4,961 |
Minority interest net income | $0 | 55 |
Net income of bank and minority interests. | $-826,000 | 4,961 |
Net charge-offs | $0 | 1,930 |
Cash dividends | $0 | 2,452 |
Sale, conversion, retirement of capital stock, net | $31,154,000 | 14 |
Net operating income | $-826,000 | 4,963 |
* 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.