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RIVERVIEW BANCORP INC (RVSB)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsMar-31-22Mar-31-21Mar-31-20Mar-31-19Mar-31-18Mar-31-17Mar-31-16Mar-31-15
   10-K10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  44.145.546.444.940.031.627.825.9
        Interest income on investments  5.22.63.64.64.73.62.72.3
       49.848.350.549.945.335.630.928.6
        Interest on deposits  1.42.52.91.01.21.21.21.3
    Total interest expense  2.23.44.82.82.31.91.71.3
Net interest income  47.644.945.747.143.033.829.230.0
Provision for loan losses  -4.66.31.30.1  -1.2-1.8
Net interest income after provision for loan losses  52.338.644.547.043.033.830.431.8
        Deposit and loan fees        4.84.3
        Gain on sale of investments, net         0.2
        Other non-interest income  12.711.112.411.110.710.04.54.4
Total non-interest income  12.711.112.411.110.710.09.48.9
Non-interest expenses  36.736.336.335.735.633.029.930.7
Pre-tax income before non-recurring items  27.313.520.522.418.011.39.96.6
Non-recurring items       0.50.1 
Asset impairment  -1.00.0-0.1     
Pre-tax income  28.313.520.622.418.010.89.86.6
Income taxes  6.53.04.85.17.83.43.42.2
            Tax rate  22.8%22.2%23.5%23.0%43.1%31.4%35.0%32.4%
Minority interest        0.00.1
Net income  21.810.515.717.310.27.46.44.5
            Net margin  33.6%21.1%27.7%29.7%19.1%16.9%16.0%11.1%
   
Basic EPS  $0.98$0.47$0.69$0.76$0.45$0.33$0.28$0.20
Diluted EPS  $0.98$0.47$0.69$0.76$0.45$0.33$0.28$0.20
   
Shares outstanding (basic)  22.222.322.722.622.522.522.522.4
Shares outstanding (diluted)  22.222.322.722.722.622.522.522.4
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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