River City Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	253.9	239.65	222.29	180.02	110.21	96.94
Interest Income on Investments	43.28	43.28	56.85	33.95	10.23	5.88
Total Interest Income	297.19	282.93	279.14	213.97	120.44	102.82
Interest Paid on Deposits	148.39	138.72	137.13	85.57	19.08	6.92
Interest Paid on Borrowings	1.71	1.71	5.32	7.53	-0.35	5.67
Total Interest Expense	150.1	140.43	142.45	93.1	18.72	12.6
Net Interest Income	147.08	142.5	136.69	120.86	101.72	90.22
Net Interest Income Growth	6.10%	4.26%	13.09%	18.82%	12.74%	12.54%
Gain (Loss) on Sale of Investments	0.22	0.04	1.21	-	3.02	3.44
Other Non-Interest Income	31.58	-1.8	12.54	12.03	12.84	8.65
Total Non-Interest Income	32.65	-0.95	14.6	12.88	16.84	13.08
Non-Interest Income Growth	923.39%	-	13.38%	-23.54%	28.71%	130.36%
Revenues Before Loan Losses	179.73	141.56	151.29	133.74	118.56	103.3
Provision for Loan Losses	9.5	1.99	7.54	12.59	18.41	10.5
Revenue	170.23	139.57	143.75	121.15	100.15	92.8
Revenue Growth	21.54%	-2.90%	18.65%	20.97%	7.92%	26.35%
Salaries and Employee Benefits	28.01	26.67	24.28	20.92	17.69	15.75
Occupancy Expenses	2.47	2.48	2.28	2.35	4.27	3.73
Federal Deposit Insurance	2.72	2.45	2.66	2	1.08	1.13
Selling, General & Administrative	6.19	6.02	5.43	4.97	5.42	5.08
Other Non-Interest Expense	7.59	6.85	5.45	5.65	4.57	4.18
Total Non-Interest Expense	46.98	44.48	40.09	35.9	33.03	29.87
EBT Excluding Unusual Items	123.25	95.09	103.66	85.26	67.12	62.94
Pretax Income	123.25	95.09	103.66	85.26	67.12	62.94
Income Tax Expense	34.07	26.68	30.26	24.92	19.3	18.46
Net Income	89.19	68.42	73.4	60.34	47.82	44.48
Net Income to Common	89.19	68.42	73.4	60.34	47.82	44.48
Net Income Growth	29.88%	-6.79%	21.65%	26.17%	7.53%	40.62%
Basic Shares Outstanding	14	15	15	15	15	15
Diluted Shares Outstanding	14	15	15	15	15	15
Shares Change	-4.26%	-0.86%	-1.27%	0.40%	0.57%	0.69%
EPS (Basic)	6.37	4.69	4.99	4.05	3.22	3.01
EPS (Diluted)	6.37	4.69	4.99	4.05	3.22	3.01
EPS Growth	35.66%	-5.98%	23.23%	25.67%	6.90%	39.67%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	0.050	0.170	0.151	0.142	0.134	-
Dividend Growth	-	12.58%	6.34%	5.97%	-	-
Effective Tax Rate	27.64%	28.05%	29.19%	29.23%	28.75%	29.33%