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Income Overview
Net Income
$2,226,804
EPS
$0.22
Unit: Dollar
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and leases
19,790,248
19,110,979
19,094,645.5*
19,676,223
Investment securities
1,880,707
1,872,981
1,924,968.5*
1,933,714
Other
227,646
178,431
148,684*
203,430
Total interest income
21,898,601
21,162,391
21,168,298*
21,813,367
Deposits
7,213,068
7,298,347
7,894,473.5*
7,757,269
Borrowings
2,611,605
2,417,631
2,509,089.5*
2,761,137
Total interest expense
9,824,673
9,715,978
10,403,563*
10,518,406
Net interest income
12,073,928
11,446,413
10,764,735*
11,294,961
Provision for credit losses
823,147
693,094
632,923*
268,674
Net interest income after provision for credit losses
11,250,781
10,753,319
10,131,812*
11,026,287
Service charges on deposit accounts
330,191
321,978
307,413*
319,433
Card fee income
338,381
317,324
338,148.5*
316,425
Loan and lease servicing fees
95,265
93,580
188,711*
164,032
Net gain on securities (includes 0, (156,859), 0, and (156,859), respectively, related toaccumulated other comprehensive income reclassifications)
0
-
79,248.5*
0
Net gains on loan and lease sales
181,319
173,072
115,942*
94,280
Other income
634,933
391,857
465,694*
404,059
Total non-interest income
1,580,089
1,297,811
1,495,157*
1,298,229
Salaries and employee benefits
4,726,129
4,563,559
4,642,292.5*
4,500,594
Net occupancy expenses
400,089
437,847
431,069*
340,023
Equipment expenses
231,256
253,016
253,964*
234,667
Data processing fees
1,100,919
1,192,079
968,339*
955,062
Deposit insurance expense
250,000
285,000
279,000*
306,000
Printing and office supplies
45,943
41,299
58,760*
47,528
Legal and professional fees
353,765
458,791
357,711*
540,344
Advertising expense
69,407
104,697
121,079*
109,563
Bank service charges
58,370
48,215
37,917.5*
37,379
Real estate owned expense
1,408
12,215
10,796*
8,425
Merger and acquisition expense
1,863,428
-
-
-
Other expenses
1,067,007
1,306,707
1,652,277*
1,003,180
Total non-interest expenses
10,167,721
8,703,425
8,813,205*
8,082,765
Income before income tax expense
2,663,149
3,347,705
2,813,764*
4,241,751
Provision for income taxes
436,345
562,414
535,503*
644,745
Net income
2,226,804
2,785,291
2,278,261
3,597,006
Basic EPS
0.23
0.29
0.214
0.37
Diluted EPS
0.22
0.28
0.229
0.36
Basic Average Shares
10,502,375
10,501,260
10,670,675
10,420,613
Diluted Average Shares
9,913,357
9,860,105
9,965,073
9,893,853
Page 1
Unit: Dollar. Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans and leases
$19,790,248
(3.17%↑ Y/Y)
Investment securities
$1,880,707
(-2.06%↓ Y/Y)
Other
$227,646
(-6.26%↓ Y/Y)
Total interest income
$21,898,601
(2.59%↑ Y/Y)
Net interest income
$12,073,928
(12.22%↑ Y/Y)
Other income
$634,933
(79.51%↑ Y/Y)
Card fee income
$338,381
(0.73%↑ Y/Y)
Service charges on
deposit accounts
$330,191
(6.54%↑ Y/Y)
Net gains on loan and
lease sales
$181,319
(78.92%↑ Y/Y)
Loan and lease
servicing fees
$95,265
(-29.89%↓ Y/Y)
Total interest
expense
$9,824,673
(-7.20%↓ Y/Y)
Net interest income
after provision for...
$11,250,781
(12.34%↑ Y/Y)
Total non-interest
income
$1,580,089
(46.31%↑ Y/Y)
Provision for credit
losses
$823,147
(10.54%↑ Y/Y)
Deposits
$7,213,068
(-7.67%↓ Y/Y)
Borrowings
$2,611,605
(-5.88%↓ Y/Y)
Income before income
tax expense
$2,663,149
(-10.77%↓ Y/Y)
Total non-interest
expenses
$10,167,721
(25.37%↑ Y/Y)
Net income
$2,226,804
(-14.42%↓ Y/Y)
Provision for income taxes
$436,345
(14.10%↑ Y/Y)
Salaries and employee
benefits
$4,726,129
(-0.86%↓ Y/Y)
Merger and acquisition
expense
$1,863,428
Data processing fees
$1,100,919
(18.95%↑ Y/Y)
Other expenses
$1,067,007
(20.16%↑ Y/Y)
Net occupancy
expenses
$400,089
(16.65%↑ Y/Y)
Legal and
professional fees
$353,765
(-20.98%↓ Y/Y)
Deposit insurance
expense
$250,000
(-17.76%↓ Y/Y)
Equipment expenses
$231,256
(-12.17%↓ Y/Y)
Advertising expense
$69,407
(-29.34%↓ Y/Y)
Bank service charges
$58,370
(54.75%↑ Y/Y)
Printing and office
supplies
$45,943
(33.10%↑ Y/Y)
Real estate owned
expense
$1,408
(14.94%↑ Y/Y)
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Richmond Mutual Bancorporation, Inc. (RMBI)
Richmond Mutual Bancorporation, Inc. (RMBI)