River Financial 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	169.11	147.73	112.87	73.07	62.06
Interest Income on Investments	28.5	22.39	19.39	15.8	9.74
Total Interest Income	197.61	170.11	132.26	88.87	71.8
Interest Paid on Deposits	68.03	66.03	43.81	7.8	4.04
Interest Paid on Borrowings	7.91	9.63	9.14	2.18	1.61
Total Interest Expense	75.94	75.66	52.95	9.99	5.65
Net Interest Income	121.67	94.45	79.31	78.89	66.15
Net Interest Income Growth (YoY)	28.82%	19.09%	0.53%	19.26%	19.67%
Mortgage Banking Activities	5.98	4.67	3.83	4.74	7.39
Gain (Loss) on Sale of Investments	-10.11	-2.82	0.01	-2.07	-0.61
Other Non-Interest Income	14.58	13.56	16.76	9.57	7.76
Total Non-Interest Income	10.45	15.41	20.6	12.24	14.54
Non-Interest Income Growth (YoY)	-32.16%	-25.19%	68.26%	-15.82%	23.18%
Revenues Before Loan Losses	132.12	109.86	99.91	91.13	80.69
Provision for Loan Losses	7.24	5.79	5.24	3.84	4.74
Revenue	124.88	104.07	94.66	87.29	75.95
Revenue Growth (YoY)	20.00%	9.94%	8.45%	14.94%	29.90%
Salaries and Employee Benefits	42.01	37.79	36.16	30.26	27.01
Federal Deposit Insurance	2.69	2.82	2.65	1.32	1.3
Selling, General & Administrative	16.3	13.79	13.34	11.44	9.26
Other Non-Interest Expense	9.21	8.27	8.86	8.39	6.25
Total Non-Interest Expense	70.29	62.95	61.08	51.41	43.75
EBT Excluding Unusual Items	54.59	41.12	33.59	35.88	32.2
Pretax Income	54.59	41.12	33.59	35.88	32.2
Income Tax Expense	12.48	9.8	6.85	7.95	7.16
Net Income	42.11	31.32	26.74	27.93	25.04
Net Income to Common	42.11	31.32	26.74	27.93	25.04
Net Income Growth	34.45%	17.12%	-4.26%	11.55%	46.49%
Basic Shares Outstanding	8	8	7	7	7
Diluted Shares Outstanding	8	8	7	7	7
Shares Change (YoY)	1.29%	9.43%	4.67%	2.06%	0.64%
EPS (Basic)	5.43	4.09	3.84	4.21	3.83
EPS (Diluted)	5.38	4.05	3.79	4.14	3.79
EPS Growth	32.84%	6.86%	-8.45%	9.23%	45.77%
Dividend Per Share	0.540	0.500	0.480	0.440	0.400
Dividend Growth	8.00%	4.17%	9.09%	10.00%	11.11%
Effective Tax Rate	22.86%	23.84%	20.39%	22.15%	22.25%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.