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Complete financial analysis of River Valley Community Bancorp (RVCB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of River Valley Community Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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River Valley Community Bancorp (RVCB)
About River Valley Community Bancorp
River Valley Community Bancorp, through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. The company accepts personal and business checking and savings accounts; certificates of deposits; and IRA accounts. Its loan products include consumer term, consumer construction, residential real estate mortgage, professional practice, agricultural real estate and land development, construction, and commercial real estate loans; home equity lines of credit; commercial lines of credit; and agricultural operating loans and lines. The company also offers debit, credit, travel money, and gift cards; and online banking and bill payment, ACH origination, electronic statement, remote deposit capture, merchant card processing, payroll, cashier's cheque, automatic teller machine, drive-up teller window, safe deposit box, notary, night depository, overdraft protection, direct deposit, wire transfer, and mobile banking services. It primarily serves small to middle-market businesses and professionals. The company has branches in Yuba City, Grass Valley, Auburn, and Marysville, California. River Valley Community Bancorp was founded in 2006 and is headquartered in Yuba City, California.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19.44M | 20.32M | 17.38M | 19.20M | 16.86M | 13.20M | 10.28M | 8.25M | 6.92M | 5.20M | 4.87M | 5.05M | 771.00K |
| Cost of Revenue | -5.88M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 25.32M | 20.32M | 17.38M | 19.20M | 16.86M | 13.20M | 10.28M | 8.25M | 6.92M | 5.20M | 4.87M | 5.05M | 771.00K |
| Gross Profit Ratio | 130.26% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 1.75M | 394.53K | 390.87K | 238.31K | 189.78K | 1.18M | 1.08M | 996.59K | 794.59K | 643.04K | 471.18K | 386.38K | 466.00K |
| Selling & Marketing | 7.98M | 6.98M | 6.54M | 5.87M | 5.17M | 3.94M | 3.10M | 2.73M | 2.52M | 2.44M | 2.17M | 1.95M | 0.00 |
| SG&A | 9.73M | 394.53K | 390.87K | 238.31K | 189.78K | 5.12M | 4.17M | 3.73M | 3.31M | 3.09M | 2.64M | 2.34M | 466.00K |
| Other Expenses | 0.00 | -2.89M | -2.73M | -2.62M | -2.42M | -2.34M | -1.83M | -1.64M | -1.39M | 0.00 | 0.00 | 0.00 | -1.45M |
| Operating Expenses | 9.73M | 2.89M | 2.73M | 2.62M | 2.42M | 2.34M | 1.83M | 1.64M | 1.39M | 3.70M | 3.21M | 2.95M | -979.00K |
| Cost & Expenses | 9.73M | 10.91M | 10.04M | 11.26M | 11.18M | 8.27M | 5.95M | 5.23M | 4.34M | 3.70M | 3.21M | 2.95M | -979.00K |
| Interest Income | 0.00 | 19.44M | 16.53M | 15.94M | 15.56M | 12.59M | 9.70M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.19M |
| Interest Expense | 16.00 | 1.04M | 617.44K | 1.77M | 3.20M | 1.86M | 960.37K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 456.00K |
| Depreciation & Amortization | -8.44M | 851.99K | 1.14M | 1.01M | 1.16M | 1.47M | 2.13M | 1.37M | 1.11M | -1.63M | -1.74M | -2.28M | 0.00 |
| EBITDA | -365.86K | 10.26M | 8.49M | 6.62M | 6.84M | 6.39M | 6.45M | 4.39M | 3.70M | -140.17K | -72.83K | -187.77K | -208.00K |
| EBITDA Ratio | -1.88% | -1.32% | -1.13% | -13.59% | -0.93% | -1.56% | -1.65% | -2.43% | -2.52% | -2.70% | -1.49% | -3.72% | -26.98% |
| Operating Income | 9.71M | 9.68M | 7.54M | 8.22M | 5.84M | 5.13M | 4.50M | 3.23M | 2.76M | 1.63M | 1.74M | 2.28M | -208.00K |
| Operating Income Ratio | 49.97% | 47.62% | 43.38% | 42.82% | 34.64% | 38.87% | 43.77% | 39.11% | 39.86% | 31.46% | 35.65% | 45.24% | -26.98% |
| Total Other Income/Expenses | -1.64M | -1.40M | -1.14M | -2.33M | -1.07M | -1.16M | -750.07K | -639.11K | -599.36K | -615.89K | -564.21K | -187.77K | -1.96M |
| Income Before Tax | 8.08M | 9.41M | 7.34M | 5.61M | 5.68M | 4.92M | 4.33M | 3.03M | 2.58M | 1.49M | 1.66M | 2.10M | -208.00K |
| Income Before Tax Ratio | 41.54% | 46.29% | 42.25% | 29.23% | 33.71% | 37.31% | 42.12% | 36.68% | 37.35% | 28.76% | 34.16% | 41.52% | -26.98% |
| Income Tax Expense | 2.17M | 2.55M | 1.99M | 1.48M | 1.52M | 1.27M | 1.76M | 1.04M | 854.90K | 383.92K | 417.63K | 645.30K | 1.00K |
| Net Income | 5.91M | 6.86M | 5.35M | 4.13M | 4.16M | 3.66M | 2.57M | 1.98M | 1.73M | 1.11M | 1.25M | 1.45M | -209.00K |
| Net Income Ratio | 30.40% | 33.75% | 30.78% | 21.50% | 24.67% | 27.70% | 25.02% | 24.01% | 24.99% | 21.37% | 25.58% | 28.74% | -27.11% |
| EPS | 1.91 | 2.24 | 1.77 | 1.39 | 1.40 | 1.22 | 0.86 | 0.67 | 0.61 | 0.38 | 0.43 | 0.51 | 0.00 |
| EPS Diluted | 1.85 | 2.18 | 1.73 | 1.35 | 1.35 | 1.18 | 0.84 | 0.66 | 0.59 | 0.38 | 0.43 | 0.51 | 0.00 |
| Weighted Avg Shares Out | 3.10M | 3.06M | 3.01M | 2.97M | 2.98M | 2.99M | 2.99M | 2.96M | 2.85M | 2.89M | 2.91M | 2.87M | 0.00 |
| Weighted Avg Shares Out (Dil) | 3.19M | 3.15M | 3.10M | 3.05M | 3.09M | 3.09M | 3.08M | 3.00M | 2.95M | 2.92M | 2.92M | 2.86M | 0.00 |
River Valley Community Bancorp Announces Director Retirements
River Valley Community Bancorp Announces 3rd Quarter Results (Unaudited)
River Valley Community Bancorp Announces 2nd Quarter Results (Unaudited)
River Valley Community Bancorp Announces 1st Quarter Results (Unaudited)
River Valley Community Bancorp profiled as an “Exceptional Bank” by The Findley Companies
River Valley Community Bancorp Announces 4th Quarter and Annual Results (Unaudited)
River Valley Community Bancorp Announces Director Retirement
River Valley Community Bancorp Announces 3rd Quarter Results (Unaudited)
River Valley Community Bancorp Announces 2nd Quarter Results (Unaudited); Opens Roseville Loan Production Office
River Valley Community Bancorp Announces 2nd Quarter Results (Unaudited) and Stock Repurchase Plan
Source: https://incomestatements.info
Category: Stock Reports