Financial insights of RBKB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Net gain from sale of other real estate owned	-	4
Service charges on deposit accounts	2,984	3,002
Net realized loss on sales of securities	-	-16,041
Net gain on sales of loans	252	160
Increase in cash surrender value of life insurance	780	751
Net gain (loss) on disposal of premises and equipment	9	-18
Investment advisory income	1,510	1,532
Gain on life insurance	-	413
Other	1,436	677
Total non-interest income (loss)	6,971	-9,520
Interest and fees on loans	61,157	58,371
Interest and dividends on securities	5,110	4,274
Other interest income	2,606	1,113
Total interest and dividend income	68,873	63,758
Interest expense on deposits	20,517	21,294
Interest expense on borrowings	1,963	4,233
Total interest expense	22,480	25,527
Net interest income	46,393	38,231
Provision for credit losses - loans	1,750	-
(reversal of) provision for credit losses - unfunded commitments	-91	-
Provision for credit losses	1,659	2,800
Net interest income after provision for credit losses	44,734	35,431
Salaries and employee benefits	21,614	20,372
Occupancy	4,357	4,266
Data processing	2,186	2,041
Professional fees	1,807	1,930
Marketing	859	588
Fdic deposit insurance and other insurance	1,042	1,105
Amortization of intangible assets	60	80
Other	7,095	6,466
Total non-interest expense	39,020	36,848
Net income (loss) before income taxes	12,685	-10,937
Net provision (benefit) for income taxes	2,640	-2,317
Net income (loss)	10,045	-8,620

Basic EPS	0.93	-0.8
Diluted EPS	0.92	-0.8
Basic Average Shares	10,806,021	10,757,750
Diluted Average Shares	10,957,428	10,757,750