Financial insights of RRBI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	120,047
Interest on securities	21,301
Interest on federal funds sold	0
Interest on deposits in other banks	8,445
Dividends on stock	93
Total interest and dividend income	149,886
Interest on deposits	44,329
Interest on other borrowed funds	0
Total interest expense	44,329
Net interest income	105,557
Provision for credit losses	2,300
Net interest income after provision for credit losses	103,257
Service charges on deposit accounts	5,591
Debit card income, net	3,823
Mortgage loan income	2,398
Brokerage income	4,733
Loan and deposit income	1,724
Bank-owned life insurance income	887
Gain (loss) on equity securities	94
Sbic income (loss)	55
Other income (loss)	659
Total noninterest income	19,964
Personnel expenses	41,704
Occupancy and equipment expenses	7,143
Technology expenses	3,378
Advertising	1,236
Other business development expenses	2,127
Data processing expense	2,447
Other taxes	2,408
Loan and deposit expenses	1,131
Legal and professional expenses	2,399
Regulatory assessment expenses	1,648
Other operating expenses	4,474
Total operating expenses	70,095
Income before income tax expense	53,126
Income tax expense	10,362
Net income	42,764

Basic EPS	6.4
Diluted EPS	6.38
Basic Average Shares	6,677,053
Diluted Average Shares	6,705,177