Financial insights of RVRF

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	169,109
Taxable securities	20,101
Tax-exempt securities	1,862
Federal funds sold	978
Other interest income	5,561
Total interest income	197,611
Deposits	68,030
Securities sold under agreements to repurchase	172
Federal home loan bank advances	6,068
Subordinated debentures	1,670
Total interest expense	75,940
Net interest income	121,671
Provision for credit losses	7,244
Net interest income after provision for credit losses	114,427
Service charges and fees	9,002
Investment brokerage revenue	1,282
Mortgage operations	5,984
Bank owned life insurance income	1,692
Net losses on sales of investment securities	-10,111
Other noninterest income	2,604
Total noninterest income	10,453
Salaries and employee benefits	43,127
Occupancy expenses	4,335
Equipment rentals, depreciation, and maintenance	2,259
Telephone and communications	439
Advertising and business development	1,388
Data processing	4,432
Foreclosed assets, net	83
Federal deposit insurance and other regulatory assessments	2,690
Legal and other professional services	2,336
Other operating expense	9,205
Total noninterest expense	70,294
Income before income taxes	54,586
Provision for income taxes	12,481
Net income	42,105

Basic EPS	5.43
Diluted EPS	5.38
Basic Average Shares	7,751,710
Diluted Average Shares	7,829,986