Financial insights of RVRF

MyFinsight

For the quarter ending 2025-09-30, RVRF made $93,927K in revenue. $10,674K in net income. Net profit margin of 11.36%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	43,141	41,466
Taxable securities	4,924	4,844
Nontaxable securities	499	420
Federal funds sold	396	176
Other interest income	1,870	1,408
Total interest income	50,830	48,314
Deposits	17,559	16,879
Federal home loan bank advances	1,498	1,481
Subordinated debentures	418	418
Total interest expense	19,475	18,778
Net interest income	31,355	29,536
Provision for credit losses	1,686	1,686
Net interest income after provision for credit losses	29,669	27,850
Service charges and fees	2,312	2,225
Investment brokerage revenue	372	254
Mortgage operations	1,702	1,826
Bank owned life insurance income	434	408
Net (loss) gain on sales of investment securities	-3,472	-99
Other noninterest income	679	463
Total noninterest income	2,027	5,077
Salaries and employee benefits	11,286	10,963
Occupancy expenses	1,100	1,037
Equipment rentals, depreciation, and maintenance	572	536
Telephone and communications	108	109
Advertising and business development	352	271
Data processing	1,099	1,096
Foreclosed assets, net	111	-41
Federal deposit insurance and other regulatory assessments	620	729
Legal and other professional services	456	318
Other operating expenses	2,419	2,306
Total noninterest expense	18,123	17,324
Income before income taxes	13,573	15,603
Provision for income taxes	2,899	3,515
Net income	10,674	12,088

Earnings per share, basic	1.38	1.56
Earnings per share, diluted	1.36	1.54
Weighted average number of shares outstanding, basic, total	7,757,260	7,760,469
Weighted average number of shares outstanding, diluted	7,836,912	7,834,506