Financial insights of RBB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	193,849
Interest-earning deposits	7,931
Investment securities	17,081
Fhlb stock	1,312
Federal funds sold and other	953
Total interest and dividend income	221,126
Savings deposits, now and money market accounts	19,025
Time deposits	78,074
Long-term debt and subordinated debentures	6,524
Fhlb advances	5,221
Total interest expense	108,844
Net interest income before provision for credit losses	112,282
Provision for credit losses	10,358
Net interest income after provision for credit losses	101,924
Service charges and fees	4,187
Loan servicing income, net of amortization	2,249
Increase in cash surrender value of boli	1,676
Gain on sale of loans	1,156
Gain on oreo	0
Other income	7,605
Total noninterest income	16,873
Salaries and employee benefits	43,056
Occupancy and equipment expenses	9,644
Data processing	6,870
Legal and professional	7,470
Office expenses	1,734
Marketing and business promotion	863
Insurance and regulatory assessments	2,924
Core deposit premium amortization	672
Other expenses	3,430
Total noninterest expense	76,663
Net income before income taxes	42,134
Income tax expense	10,186
Net income	31,948

Basic EPS	1.83
Diluted EPS	1.83
Basic Average Shares	17,435,027
Diluted Average Shares	17,500,330