Financial insights of RBCAA

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loans, including fees	89,675	88,940	118,857	121,342*
Taxable investment securities	7,698	5,778	4,557	4,328*
Federal home loan bank stock and other	5,866	7,485	6,424	8,450*
Total interest income	103,239	102,203	129,838	134,119*
Deposits	22,094	21,850	21,378	24,734*
Securities sold under agreements to repurchase and other short-term borrowings	116	140	137	137*
Federal home loan bank advances	4,059	4,011	5,635	6,855*
Total interest expense	26,269	26,001	27,150	31,725*
Net interest income	76,970	76,202	102,688	102,394*
Provision for expected credit loss expense on loans	2,023	1,823	17,672	38,172*
Net interest income after provision	74,947	74,379	85,016	64,222*
Revenue-Financial Service Other	-	1,257	-	-
Revenue-Gain Loss On Other Real Estate Owned	-	-53	-	-
Revenue-Deposit Account	3,646	3,505	-	-
Revenue-Transfer Agent	1,117	2,567	-	-
Mortgage banking income	2,064	1,896	1,821	-73*
Revenue-Credit And Debit Card	3,030	3,200	-	-
Revenue under 606	-	-	22,628	15,426*
Gain on sale of visa class b-1 shares	-	-	4,090	-
Program fees	4,888	4,451	3,822	3,778*
Increase in cash surrender value of bank owned life insurance	1,035	821	793	781*
Revenue-Gain Loss On Other Real Estate Owned	-52	-	-	-
Revenue-Financial Service Other	840	-	-	-
Total noninterest income	16,568	17,644	33,154	19,912*
Salaries and employee benefits	31,027	30,801	31,069	31,779*
Technology, equipment, and communication	8,710	8,684	8,643	8,364*
Occupancy	3,547	3,391	3,564	3,907*
Marketing and development	2,668	1,243	1,387	2,407*
Fdic insurance expense	763	731	819	744*
Merger expense	-	-	-	10*
Interchange related expense	1,640	1,488	1,636	1,417*
Legal and professional fees	1,100	666	1,118	1,029*
Core conversion and contract consulting fees	97	182	5,714	-
Other	4,201	4,447	4,258	5,705*
Total noninterest expense	53,753	51,633	58,208	55,361*
Income before income tax expense	37,762	40,390	59,962	28,773*
Income tax expense	8,018	8,906	12,694	5,025*
Net income	29,744	31,484	47,268	23,748

Basic EPS	1.53	-	2.43	1.356
Diluted EPS	1.52	-	2.42	1.202
Basic Average Shares	17,583,000	-	17,561,000	17,510,000
Diluted Average Shares	19,791,000	19,784,000	19,797,000	19,759,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$29,744KEPS$1.52Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$29,744KEPS$1.52Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars

Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars