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	Jun '26 Jun 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	243.25	239.65	222.29	180.02	110.21	96.94
Interest Income on Investments	48.64	43.28	56.85	33.95	10.23	5.88
Total Interest Income	291.89	282.93	279.14	213.97	120.44	102.82
Interest Paid on Deposits	144.75	138.72	137.13	85.57	19.08	6.92
Interest Paid on Borrowings	0.81	1.71	5.32	7.53	-0.35	5.67
Total Interest Expense	145.56	140.43	142.45	93.1	18.72	12.6
Net Interest Income	146.33	142.5	136.69	120.86	101.72	90.22
Net Interest Income Growth	7.06%	4.26%	13.09%	18.82%	12.74%	12.54%
Gain (Loss) on Sale of Investments	-0.35	0.04	1.21	-	3.02	3.44
Other Non-Interest Income	13.25	-1.8	12.54	12.03	12.84	8.65
Total Non-Interest Income	13.74	-0.95	14.6	12.88	16.84	13.08
Non-Interest Income Growth	-5.89%	-	13.38%	-23.54%	28.71%	130.36%
Revenues Before Loan Losses	160.07	141.56	151.29	133.74	118.56	103.3
Provision for Loan Losses	5.14	1.99	7.54	12.59	18.41	10.5
Revenue	154.93	139.57	143.75	121.15	100.15	92.8
Revenue Growth	7.78%	-2.90%	18.65%	20.97%	7.92%	26.35%
Salaries and Employee Benefits	28.14	26.67	24.28	20.92	17.69	15.75
Occupancy Expenses	2.49	2.48	2.28	2.35	4.27	3.73
Federal Deposit Insurance	2.6	2.45	2.66	2	1.08	1.13
Selling, General & Administrative	5.9	6.02	5.43	4.97	5.42	5.08
Other Non-Interest Expense	7.82	6.85	5.45	5.65	4.57	4.18
Total Non-Interest Expense	46.94	44.48	40.09	35.9	33.03	29.87
EBT Excluding Unusual Items	107.99	95.09	103.66	85.26	67.12	62.94
Pretax Income	107.99	95.09	103.66	85.26	67.12	62.94
Income Tax Expense	29.73	26.68	30.26	24.92	19.3	18.46
Net Income	78.26	68.42	73.4	60.34	47.82	44.48
Net Income to Common	78.26	68.42	73.4	60.34	47.82	44.48
Net Income Growth	6.62%	-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	-1.64%	-0.86%	-1.27%	0.40%	0.57%	0.69%
EPS (Basic)	5.41	4.69	4.99	4.05	3.22	3.01
EPS (Diluted)	5.41	4.69	4.99	4.05	3.22	3.01
EPS Growth	8.39%	-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	Jun '26 Jun 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	0.190	0.170	0.151	0.142	0.134	-
Dividend Growth	25.83%	12.58%	6.34%	5.97%	-	-
Effective Tax Rate	27.53%	28.05%	29.19%	29.23%	28.75%	29.33%