River City Bank (RCBC)

River City Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	221.34	222.29	180.02	110.21	96.94	90.43
Interest Income on Investments	56.85	56.85	33.95	10.23	5.88	9.81
Total Interest Income	278.19	279.14	213.97	120.44	102.82	100.24
Interest Paid on Deposits	134.24	137.13	85.57	19.08	6.92	16.04
Interest Paid on Borrowings	5.32	5.32	7.53	-0.35	5.67	4.03
Total Interest Expense	139.57	142.45	93.1	18.72	12.6	20.07
Net Interest Income	138.62	136.69	120.86	101.72	90.22	80.17
Net Interest Income Growth (YoY)	53.65%	13.09%	18.82%	12.74%	12.54%	26.56%
Gain (Loss) on Sale of Investments	1.21	1.21	-	3.02	3.44	-
Other Non-Interest Income	1.13	12.54	12.03	12.84	8.65	4.64
Total Non-Interest Income	3.19	14.6	12.88	16.84	13.08	5.68
Non-Interest Income Growth (YoY)	-75.61%	13.38%	-23.54%	28.71%	130.36%	5.44%
Revenues Before Loan Losses	141.81	151.29	133.74	118.56	103.3	85.85
Provision for Loan Losses	1.75	7.54	12.59	18.41	10.5	12.4
Revenue	140.06	143.75	121.15	100.15	92.8	73.45
Revenue Growth (YoY)	50.92%	18.65%	20.97%	7.92%	26.35%	17.08%
Salaries and Employee Benefits	24.28	24.28	20.92	17.69	15.75	16.24
Occupancy Expenses	2.28	2.28	2.35	4.27	3.73	3.42
Federal Deposit Insurance	2.66	2.66	2	1.08	1.13	0.68
Selling, General & Administrative	5.43	5.43	4.97	5.42	5.08	4.48
Other Non-Interest Expense	9.02	5.45	5.65	4.57	4.18	4.03
Total Non-Interest Expense	43.66	40.09	35.9	33.03	29.87	28.86
EBT Excluding Unusual Items	96.4	103.66	85.26	67.12	62.94	44.59
Pretax Income	96.4	103.66	85.26	67.12	62.94	44.59
Income Tax Expense	27.74	30.26	24.92	19.3	18.46	12.97
Net Income	68.67	73.4	60.34	47.82	44.48	31.63
Net Income to Common	68.67	73.4	60.34	47.82	44.48	31.63
Net Income Growth	54.39%	21.65%	26.17%	7.53%	40.62%	24.95%
Basic Shares Outstanding	15	15	15	15	15	15
Diluted Shares Outstanding	15	15	15	15	15	15
Shares Change (YoY)	-0.93%	-1.27%	0.40%	0.57%	0.69%	0.31%
EPS (Basic)	4.70	4.99	4.05	3.22	3.01	2.16
EPS (Diluted)	4.70	4.99	4.05	3.22	3.01	2.16
EPS Growth	55.85%	23.23%	25.67%	6.90%	39.67%	24.55%
Dividend Per Share	-	0.151	0.142	0.134	-	-
Dividend Growth	-	6.34%	5.97%	-	-	-
Effective Tax Rate	28.77%	29.19%	29.23%	28.75%	29.33%	29.08%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.