Financial insights of RVSB

MyFinsight

For the quarter ending 2025-12-31.

Income Overview

Net Income
$1,377K
EPS
$0.07
Unit: Thousand (K) dollars

Income Statement	2025-12-31	2025-09-30	2025-06-30	2024-09-30
Interest and fees on loans receivable	14,325	13,667	13,352	12,683
Interest on investment securities - taxable	1,338	1,395	1,667	1,874
Interest on investment securities - nontaxable	64	65	65	65
Other interest and dividends	241	245	291	320
Total interest and dividend income	15,968	15,372	15,375	14,942
Interest on deposits	4,368	4,360	3,774	3,855
Interest on borrowings	1,055	1,231	1,760	2,145
Total interest expense	5,423	5,591	5,534	6,000
Net interest income	10,545	9,781	9,841	8,942
Provision for credit losses	100	-	-	100
Net interest income after provision for credit losses	10,445	9,781	9,841	8,842
Non-interest income-Bank Servicing	1,597	1,637	1,572	-
Non-interest income-Trust Company Asset Management	1,585	1,527	1,552	-
Revenue from contract with customer, including assessed tax	-	-	-	2,957
Income from boli	231	290	222	279
Other, net	91	386	80	605
Total non-interest income, net	3,504	3,840	3,426	3,841
Salaries and employee benefits	7,391	7,304	7,247	6,477
Occupancy and depreciation	1,874	1,859	1,868	1,921
Data processing	856	778	742	695
Amortization of cdi	23	23	24	25
Advertising and marketing	255	333	237	367
Fdic insurance premium	166	171	164	166
State and local taxes	351	260	225	234
Telecommunications	53	50	46	52
Professional fees	413	354	416	304
Other	827	1,094	751	460
Total non-interest expense	12,209	12,226	11,720	10,701
Income before income taxes	1,740	1,395	1,547	1,982
Provision for income taxes	363	296	322	425
Net income	1,377	1,099	1,225	1,557

Basic EPS	0.07	0.05	0.06	0.07
Diluted EPS	0.07	0.05	0.06	0.07
Basic Average Shares	20,762,668	20,948,327	20,976,000	21,097,580
Diluted Average Shares	20,762,668	20,948,327	20,976,200	21,097,580

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$1,377K
EPS
$0.07
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$1,377K
EPS
$0.07
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$1,377KEPS$0.07Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$1,377KEPS$0.07Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$1,377K
EPS
$0.07
Unit: Thousand (K) dollars

Net Income
$1,377K
EPS
$0.07
Unit: Thousand (K) dollars