River Financial Corporation (RVRF)

Regulus Therapeutics 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	153.76	147.73	112.87	73.07	62.06	56.3
Interest Income on Investments	23.54	22.39	19.39	15.8	9.74	7.11
Total Interest Income	177.29	170.11	132.26	88.87	71.8	63.41
Interest Paid on Deposits	67.8	66.03	43.81	7.8	4.04	6.77
Interest Paid on Borrowings	8.88	9.63	9.14	2.18	1.61	1.36
Total Interest Expense	76.68	75.66	52.95	9.99	5.65	8.13
Net Interest Income	100.62	94.45	79.31	78.89	66.15	55.28
Net Interest Income Growth (YoY)	22.92%	19.09%	0.53%	19.26%	19.67%	37.07%
Mortgage Banking Activities	4.75	4.67	3.83	4.74	7.39	5.28
Gain (Loss) on Sale of Investments	-4.78	-2.82	0.01	-2.07	-0.61	0.09
Other Non-Interest Income	14.74	13.56	16.76	9.57	7.76	6.43
Total Non-Interest Income	14.71	15.41	20.6	12.24	14.54	11.81
Non-Interest Income Growth (YoY)	-26.76%	-25.19%	68.26%	-15.82%	23.18%	18.22%
Revenues Before Loan Losses	115.32	109.86	99.91	91.13	80.69	67.08
Provision for Loan Losses	6.16	5.79	5.24	3.84	4.74	8.62
Revenue	109.16	104.07	94.66	87.29	75.95	58.47
Revenue Growth (YoY)	12.89%	9.94%	8.45%	14.94%	29.90%	23.34%
Salaries and Employee Benefits	38.2	37.79	36.16	30.26	27.01	21.91
Federal Deposit Insurance	2.87	2.82	2.65	1.32	1.3	0.83
Selling, General & Administrative	15.06	13.79	13.34	11.44	9.26	8.34
Other Non-Interest Expense	8.13	8.27	8.86	8.39	6.25	5.47
Total Non-Interest Expense	64.53	62.95	61.08	51.41	43.75	36.78
EBT Excluding Unusual Items	44.63	41.12	33.59	35.88	32.2	21.69
Pretax Income	44.63	41.12	33.59	35.88	32.2	21.69
Income Tax Expense	10.66	9.8	6.85	7.95	7.16	4.6
Net Income	33.97	31.32	26.74	27.93	25.04	17.09
Net Income to Common	33.97	31.32	26.74	27.93	25.04	17.09
Net Income Growth	23.77%	17.12%	-4.26%	11.55%	46.49%	53.77%
Basic Shares Outstanding	8	8	7	7	7	6
Diluted Shares Outstanding	8	8	7	7	7	7
Shares Change (YoY)	5.97%	9.43%	4.67%	2.06%	0.64%	10.85%
EPS (Basic)	4.42	4.09	3.84	4.21	3.83	2.63
EPS (Diluted)	4.38	4.05	3.79	4.14	3.79	2.60
EPS Growth	16.68%	6.86%	-8.45%	9.23%	45.77%	38.30%
Dividend Per Share	0.540	0.500	0.480	0.440	0.400	0.360
Dividend Growth	8.00%	4.17%	9.09%	10.00%	11.11%	9.09%
Effective Tax Rate	23.89%	23.84%	20.39%	22.15%	22.25%	21.19%

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