| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Interest and fees on loans receivable | 13,667 | 13,352 | 12,683 | 12,052 |
| Interest on investment securities - taxable | 1,395 | 1,667 | 1,874 | 1,972 |
| Interest on investment securities - nontaxable | 65 | 65 | 65 | 65 |
| Other interest and dividends | 245 | 291 | 320 | 310 |
| Total interest and dividend income | 15,372 | 15,375 | 14,942 | 14,399 |
| Interest on deposits | 4,360 | 3,774 | 3,855 | 3,447 |
| Interest on borrowings | 1,231 | 1,760 | 2,145 | 2,131 |
| Total interest expense | 5,591 | 5,534 | 6,000 | 5,578 |
| Net interest income | 9,781 | 9,841 | 8,942 | 8,821 |
| Provision for loan, lease, and other losses | - | - | 100 | - |
| Net interest income after provision for credit losses | 9,781 | 9,841 | 8,842 | 8,821 |
| Non-interest income-Bank Servicing | 1,637 | 1,572 | - | - |
| Non-interest income-Trust Company Asset Management | 1,527 | 1,552 | - | - |
| Revenue from contract with customer, including assessed tax | - | - | 2,957 | 3,098 |
| Income from boli | 290 | 222 | 279 | 211 |
| Other, net | 386 | 80 | 605 | 58 |
| Total non-interest income, net | 3,840 | 3,426 | 3,841 | 3,367 |
| Salaries and employee benefits | 7,304 | 7,247 | 6,477 | 6,388 |
| Occupancy and depreciation | 1,859 | 1,868 | 1,921 | 1,895 |
| Data processing | 778 | 742 | 695 | 764 |
| Amortization of cdi | 23 | 24 | 25 | 25 |
| Advertising and marketing | 333 | 237 | 367 | 310 |
| Fdic insurance premium | 171 | 164 | 166 | 178 |
| State and local taxes | 260 | 225 | 234 | 216 |
| Telecommunications | 50 | 46 | 52 | 47 |
| Professional fees | 354 | 416 | 304 | 490 |
| Other | 1,094 | 751 | 460 | 656 |
| Total non-interest expense | 12,226 | 11,720 | 10,701 | 10,969 |
| Income before income taxes | 1,395 | 1,547 | 1,982 | 1,219 |
| Provision for income taxes | 296 | 322 | 425 | 253 |
| Net income | 1,099 | 1,225 | 1,557 | 966 |
| Earnings per share, basic | 0.05 | 0.06 | 0.07 | 0.05 |
| Earnings per share, diluted | 0.05 | 0.06 | 0.07 | 0.05 |
| Weighted average number of shares outstanding, basic | 20,948,327 | 20,976,000 | 21,097,580 | 21,111,043 |
| Weighted average number of shares outstanding, diluted | 20,948,327 | 20,976,200 | 21,097,580 | 21,111,043 |
RIVERVIEW BANCORP INC (RVSB)
RIVERVIEW BANCORP INC (RVSB)