Financial insights of RMBI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans and leases	77,383,468
Investment securities	7,705,994
Other	818,092
Total interest income	85,907,554
Deposits	31,248,368
Borrowings	10,812,848
Total interest expense	42,061,216
Net interest income	43,846,338
Provision for credit losses	2,152,969
Net interest income after provision for credit losses	41,693,369
Service charges on deposit accounts	1,265,712
Card fee income	1,316,702
Loan and lease servicing fees, including mortgage servicing right impairment	680,807
Net loss on securities (includes (156,040) and (50,698), respectively, related to accumulated other comprehensive loss reclassifications)	-156,040
Net gains on loan and lease sales	409,369
Other income	1,545,856
Total non-interest income	5,062,406
Salaries and employee benefits	18,543,844
Net occupancy expenses	1,455,560
Equipment expenses	1,000,925
Data processing fees	3,789,236
Deposit insurance expense	1,194,000
Printing and office supplies	181,829
Legal and professional fees	1,839,738
Advertising expense	432,761
Bank service charges	150,566
Real estate owned expense	25,271
Other expenses	4,489,017
Total non-interest expenses	33,102,747
Income before income tax expense	13,653,028
Provision for income taxes (includes (32,769) and (10,647), respectively, related to income tax expense from reclassification of items)	2,076,261
Net income	11,576,767

Basic EPS	1.2
Diluted EPS	1.17
Basic Average Shares	10,502,458
Diluted Average Shares	9,901,266