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Income Statement
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Balance Sheet
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Income Overview
Net Income
$13,849K
EPS
$1.74
Unit: Thousand (K) dollars
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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, including fees
45,333
43,869
42,200*
43,141
Taxable securities
6,042
5,651
5,449*
4,924
Nontaxable securities
679
625
484*
499
Federal funds sold
311
303
120*
396
Other interest income
753
667
644*
1,870
Total interest income
53,118
51,115
48,896*
50,830
Deposits
17,041
16,390
16,503*
17,559
Securities sold under agreements to repurchase
-
-
43*
-
Short-term borrowings
0
1
-
-
Federal home loan bank advances
935
914
1,600*
1,498
Subordinated debentures
738
469
416*
418
Total interest expense
18,714
17,774
18,561*
19,475
Net interest income
34,404
33,341
30,335*
31,355
Provision for credit losses
2,013
2,013
2,186*
1,686
Net interest income after provision for credit losses
32,391
31,328
28,149*
29,669
Service charges and fees
2,575
2,432
2,197*
2,312
Investment brokerage revenue
393
377
343*
372
Mortgage operations
1,979
1,695
692*
1,702
Bank owned life insurance income
473
457
429*
434
Net loss on sales of investment securities
-99
8
-4,754*
-3,472
Other noninterest income
787
762
891*
679
Total noninterest income
6,108
5,731
-203*
2,027
Salaries and employee benefits
13,097
11,605
9,754*
11,286
Occupancy expenses
1,210
1,212
1,130*
1,100
Equipment rentals, depreciation, and maintenance
721
625
597*
572
Telephone and communications
121
126
114*
108
Advertising and business development
354
269
454*
352
Data processing
1,152
1,112
1,140*
1,099
Foreclosed assets, net
94
33
-22*
111
Federal deposit insurance and other regulatory assessments
574
702
667*
620
Legal and other professional services
360
330
1,175*
456
Other operating expenses
2,574
2,423
2,118*
2,419
Total noninterest expense
20,257
18,437
17,124*
18,123
Income before income taxes
18,242
18,622
10,822*
13,573
Provision for income taxes
4,393
4,475
2,860*
2,899
Net income
13,849
14,147
7,962
10,674
Basic EPS
1.77
1.81
1.029
1.38
Diluted EPS
1.74
1.79
1.018
1.36
Basic Average Shares
7,809,308
7,812,724
7,737,401
7,757,260
Diluted Average Shares
7,947,318
7,898,321
7,818,540
7,836,912
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$45,333K
(9.33%↑ Y/Y)
Taxable securities
$6,042K
(24.73%↑ Y/Y)
Other interest income
$753K
(-46.52%↓ Y/Y)
Nontaxable securities
$679K
(61.67%↑ Y/Y)
Federal funds sold
$311K
(76.70%↑ Y/Y)
Total interest income
$53,118K
(9.94%↑ Y/Y)
Net interest income
$34,404K
(16.48%↑ Y/Y)
Service charges and fees
$2,575K
(15.73%↑ Y/Y)
Mortgage operations
$1,979K
(8.38%↑ Y/Y)
Other noninterest
income
$787K
(69.98%↑ Y/Y)
Bank owned life
insurance income
$473K
(15.93%↑ Y/Y)
Investment brokerage
revenue
$393K
(54.72%↑ Y/Y)
Total interest
expense
$18,714K
(-0.34%↓ Y/Y)
Net interest income
after provision for...
$32,391K
(16.31%↑ Y/Y)
Total noninterest
income
$6,108K
(20.31%↑ Y/Y)
Provision for credit
losses
$2,013K
(19.40%↑ Y/Y)
Net loss on sales of
investment securities
-$99K
(0.00%↑ Y/Y)
Deposits
$17,041K
(0.96%↑ Y/Y)
Federal home loan bank
advances
$935K
(-36.87%↓ Y/Y)
Subordinated debentures
$738K
(76.56%↑ Y/Y)
Income before income
taxes
$18,242K
(16.91%↑ Y/Y)
Total noninterest
expense
$20,257K
(16.93%↑ Y/Y)
Net income
$13,849K
(14.57%↑ Y/Y)
Provision for income taxes
$4,393K
(24.98%↑ Y/Y)
Salaries and employee
benefits
$13,097K
(19.47%↑ Y/Y)
Other operating
expenses
$2,574K
(11.62%↑ Y/Y)
Occupancy expenses
$1,210K
(16.68%↑ Y/Y)
Data processing
$1,152K
(5.11%↑ Y/Y)
Equipment rentals,
depreciation, and maintenance
$721K
(34.51%↑ Y/Y)
Federal deposit
insurance and other...
$574K
(-21.26%↓ Y/Y)
Legal and other
professional services
$360K
(13.21%↑ Y/Y)
Advertising and business
development
$354K
(30.63%↑ Y/Y)
Telephone and
communications
$121K
(11.01%↑ Y/Y)
Foreclosed assets, net
$94K
(329.27%↑ Y/Y)
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River Financial Corp (RVRF)
River Financial Corp (RVRF)