RVCB Balance Sheet

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
Cash & Equivalents	-	-	39.38	90.09	100.74
Investment Securities	-	187.85	136.49	181.3	151.67
Trading Asset Securities	-	-	0.1	0.13	0.16
Mortgage-Backed Securities	-	-	83.29	73.88	77.85
Total Investments	-	187.85	219.89	255.3	229.67
Gross Loans	-	350.94	295.31	258.08	250.67
Allowance for Loan Losses	-	-4.31	-4.26	-3.51	-3.51
Other Adjustments to Gross Loans	-	-	-0.6	-0.68	-0.64
Net Loans	-	346.63	290.45	253.89	246.52
Property, Plant & Equipment	-	-	7.51	7.35	7.71
Accrued Interest Receivable	-	-	3.4	2.27	1.65
Restricted Cash	-	-	0.28	0.28	0.28
Long-Term Deferred Tax Assets	-	-	7.73	8.84	1.84
Other Long-Term Assets	-	68.1	13.17	12.24	12.44
Total Assets	-	602.57	581.81	630.28	600.85
Interest Bearing Deposits	-	547.42	321.91	342.05	305.99
Institutional Deposits	-	-	20.66	6.9	11.21
Non-Interest Bearing Deposits	-	-	189.47	242.42	230.82
Total Deposits	-	547.42	532.05	591.36	548.02
Short-Term Borrowings	-	-	0.1	0.13	0.16
Current Portion of Leases	-	-	0.18	-	-
Accrued Interest Payable	-	-	0.15	0.02	0.02
Long-Term Leases	-	-	1.16	0.95	-
Long-Term Deferred Tax Liabilities	-	-	0.87	0.72	2.17
Other Long-Term Liabilities	-	3.63	1.03	0.47	1.06
Total Liabilities	-	551.06	535.54	593.66	551.42
Common Stock	-	51.52	17.76	17.43	16.77
Retained Earnings	-	-	41.28	35.88	29.02
Comprehensive Income & Other	-	-	-12.76	-16.69	3.64
Shareholders' Equity	58.52	51.52	46.27	36.62	49.43
Total Liabilities & Equity	-	602.57	581.81	630.28	600.85
Total Debt	-	-	1.44	1.08	0.16
Net Cash (Debt)	-	-	38.79	91.13	102.48
Net Cash Growth	-	-	-57.44%	-11.08%	92.65%
Net Cash Per Share	-	-	12.17	28.91	33.05
Filing Date Shares Outstanding	3.15	3.14	3.1	3.08	3.03
Total Common Shares Outstanding	3.15	3.14	3.1	3.08	3.03
Book Value Per Share	18.88	16.39	14.92	11.87	16.30
Tangible Book Value	58.52	51.52	46.27	36.62	49.43
Tangible Book Value Per Share	18.88	16.39	14.92	11.87	16.30

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