River City Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	282.93	222.29	180.02	110.21	96.94
Interest Income on Investments	-	56.85	33.95	10.23	5.88
Total Interest Income	282.93	279.14	213.97	120.44	102.82
Interest Paid on Deposits	140.43	137.13	85.57	19.08	6.92
Interest Paid on Borrowings	-	5.32	7.53	-0.35	5.67
Total Interest Expense	140.43	142.45	93.1	18.72	12.6
Net Interest Income	142.5	136.69	120.86	101.72	90.22
Net Interest Income Growth (YoY)	4.26%	13.09%	18.82%	12.74%	12.54%
Gain (Loss) on Sale of Investments	-	1.21	-	3.02	3.44
Other Non-Interest Income	-0.95	12.54	12.03	12.84	8.65
Total Non-Interest Income	-0.95	14.6	12.88	16.84	13.08
Non-Interest Income Growth (YoY)	-	13.38%	-23.54%	28.71%	130.36%
Revenues Before Loan Losses	141.56	151.29	133.74	118.56	103.3
Provision for Loan Losses	1.99	7.54	12.59	18.41	10.5
Revenue	139.57	143.75	121.15	100.15	92.8
Revenue Growth (YoY)	-2.90%	18.65%	20.97%	7.92%	26.35%
Salaries and Employee Benefits	-	24.28	20.92	17.69	15.75
Occupancy Expenses	-	2.28	2.35	4.27	3.73
Federal Deposit Insurance	-	2.66	2	1.08	1.13
Selling, General & Administrative	-	5.43	4.97	5.42	5.08
Other Non-Interest Expense	44.48	5.45	5.65	4.57	4.18
Total Non-Interest Expense	44.48	40.09	35.9	33.03	29.87
EBT Excluding Unusual Items	95.09	103.66	85.26	67.12	62.94
Pretax Income	95.09	103.66	85.26	67.12	62.94
Income Tax Expense	26.68	30.26	24.92	19.3	18.46
Net Income	68.42	73.4	60.34	47.82	44.48
Net Income to Common	68.42	73.4	60.34	47.82	44.48
Net Income Growth	-6.79%	21.65%	26.17%	7.53%	40.62%
Basic Shares Outstanding	15	15	15	15	15
Diluted Shares Outstanding	15	15	15	15	15
Shares Change (YoY)	-0.84%	-1.27%	0.40%	0.57%	0.69%
EPS (Basic)	4.69	4.99	4.05	3.22	3.01
EPS (Diluted)	4.69	4.99	4.05	3.22	3.01
EPS Growth	-6.00%	23.23%	25.67%	6.90%	39.67%
Dividend Per Share	0.170	0.151	0.142	0.134	-
Dividend Growth	12.58%	6.34%	5.97%	-	-
Effective Tax Rate	28.05%	29.19%	29.23%	28.75%	29.33%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.