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RBCAA • CIK 0000921557
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest Income (Expense), Net | $288,778 | $312,154 | $334,670 | $327,934 |
| Provision for Loan, Lease, and Other Losses | $47,624 | $54,376 | $31,597 | $27,039 |
| Interest Income (Expense), after Provision for Loan Loss | $241,154 | $257,778 | $303,073 | $300,895 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $113,213 | $127,703 | $165,709 | $163,292 |
| Income Tax Expense (Benefit) | $22,839 | $26,332 | $34,392 | $35,292 |
| Net Income (Loss) Attributable to Parent | $90,374 | $101,371 | $131,317 | $128,000 |
| Interest and Fee Income, Loans and Leases | $325,148 | $388,064 | $387,444 | $371,551 |
| Interest Income, Securities, Operating, Taxable | $19,260 | $17,370 | $26,851 | $34,478 |
| Other Interest and Dividend Income | — | — | $24,218 | $16,761 |
| Interest and Dividend Income, Operating | $356,063 | $432,986 | $438,513 | $422,790 |
| Interest Expense, Deposits | $51,481 | $102,096 | $85,584 | $80,310 |
| Interest Expense, Short-term Borrowings | $574 | $546 | $504 | $405 |
| Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term | $15,230 | $18,190 | $17,755 | $14,141 |
| InterestExpenseOperating | — | $120,832 | $103,843 | $94,856 |
| Bank Owned Life Insurance Income | $2,719 | $3,208 | $3,596 | $3,855 |
| Gain on Sale of Investments | — | — | $4,090 | $4,090 |
| Noninterest Income | $71,457 | $72,650 | $82,825 | $81,555 |
| Labor and Related Expense | $115,869 | $118,650 | $127,060 | $128,250 |
| Communications and Information Technology | $29,107 | $30,690 | $34,618 | $33,923 |
| Occupancy, Net | $13,967 | $13,856 | $14,175 | $14,328 |
| Marketing Expense | $8,446 | $9,439 | $7,720 | $9,965 |
| Federal Deposit Insurance Corporation Premium Expense | $2,728 | $3,012 | $3,064 | $3,066 |
| Professional Fees | $3,204 | $3,489 | $3,709 | $3,211 |
| Business Combination, Acquisition Related Costs | $2,160 | $41 | $41 | $41 |
| Other Noninterest Expense | $17,952 | $17,703 | $17,257 | $17,727 |
| Noninterest Expense | $199,398 | $202,725 | $220,189 | $219,158 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Liabilities and Equity | $6,594,891 | $6,846,667 | $7,042,061 | $7,061,829 |
| Cash and Cash Equivalents, at Carrying Value | $316,567 | $432,151 | $219,972 | $354,091 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $591,313 | $584,155 | $884,693 | $886,982 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | — | $10,778 | $4,944 | $4,546 |
| Equity Securities, FV-NI | $174 | $693 | $945 | $588 |
| Mortgages Held-for-sale, Fair Value Disclosure | $3,227 | $8,312 | $7,516 | $16,566 |
| Federal Home Loan Bank Stock | $23,770 | $24,478 | $32,114 | $18,149 |
| Property, Plant and Equipment, Net | $33,411 | $32,309 | $35,986 | $42,253 |
| Operating Lease, Right-of-Use Asset | $34,691 | $36,182 | $31,330 | $29,042 |
| Goodwill | $40,516 | $40,516 | $40,516 | $40,516 |
| Real Estate Acquired Through Foreclosure | $1,370 | $1,160 | $1,277 | $843 |
| Bank Owned Life Insurance | $103,916 | $107,125 | $110,721 | $112,216 |
| Operating Lease, Liability | $35,539 | $37,121 | $32,370 | $30,077 |
| Advances from Federal Home Loan Banks | $380,000 | $395,000 | $506,000 | $157,000 |
| Liabilities | $5,682,135 | $5,854,638 | $5,939,768 | $5,905,032 |
| Common Stock, Value, Issued | $4,553 | $4,587 | $4,601 | $4,609 |
| Additional Paid in Capital | $142,124 | $148,053 | $156,695 | $161,411 |
| Retained Earnings (Accumulated Deficit) | $786,487 | $853,627 | $945,399 | $998,978 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-20,408 | $-14,238 | $-4,402 | $-8,201 |
| Stockholders' Equity Attributable to Parent | $912,756 | $992,029 | $1,102,293 | $1,156,797 |
| Noninterest-bearing Deposit Liabilities, Domestic | $1,676,998 | $1,207,764 | $1,173,461 | $1,248,704 |
| Interest-bearing Deposit Liabilities, Domestic | $3,376,165 | $4,002,782 | $4,029,686 | $4,303,038 |
| Deposits, Domestic | $5,053,163 | $5,210,546 | $5,203,147 | $5,551,742 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $618,525 | $602,493 | $887,884 | $897,223 |
| Debt Securities, Held-to-maturity, Fair Value | $76,167 | $10,735 | $4,929 | $4,549 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $90,374 | $101,371 | $131,317 | $128,000 |
| Net Cash Provided by (Used in) Operating Activities | $108,531 | $148,999 | $168,212 | $140,657 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $2,878 | $115,584 | $-212,179 | $-130,717 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $316,567 | $432,151 | $219,972 | $26,057 |
| Payments to Acquire Businesses, Net of Cash Acquired | $40,970 | $40,970 | $40,970 | $40,970 |
| Accretion (Amortization) of Discounts and Premiums, Investments | — | $2,978 | $4,349 | $4,349 |
| Payments to Acquire Debt Securities, Available-for-sale | $45,000 | $299,810 | $840,320 | $723,737 |
| Increase (Decrease) in Equity Securities, FV-NI | $63 | $519 | $252 | $-168 |
| Payments to Acquire Held-to-maturity Securities | $25,000 | $25,000 | $25,000 | $25,000 |
| Depreciation, Amortization and Accretion, Net | $7,063 | $6,911 | $6,680 | $7,005 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $106,123 | $316,120 | $555,049 | $542,181 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $35,999 | $65,619 | $5,834 | $888 |
| Provision for Loan, Lease, and Other Losses | $47,624 | $54,376 | $31,597 | $27,039 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | $90 | $150 | $-40 | $70 |
| Payments to Acquire Loans Receivable | $110,620 | $110,620 | $110,620 | $110,620 |
| Gain (Loss) on Sale of Mortgage Loans | $2,053 | $3,875 | $5,925 | $5,981 |
| Payments for (Proceeds from) Other Loans and Leases | $493,163 | $97,931 | $-75,811 | $192,761 |
| Payments for Origination of Mortgage Loans Held-for-sale | $77,800 | $186,959 | $210,932 | $233,235 |
| Proceeds from Sale of Mortgage Loans Held-for-sale | $77,928 | $186,174 | $217,653 | $231,500 |
| Gain (Loss) on Sales of Consumer Loans | $12,753 | $14,697 | $14,986 | $15,973 |
| Payments to Acquire Federal Home Loan Bank Stock | $14,624 | $708 | $7,636 | $7,636 |
| Proceeds from Sale of Other Real Estate | $611 | $173 | $173 | — |
| Payments for (Proceeds from) Life Insurance Policies | $28,901 | — | $-2,218 | — |
| Impairment of Real Estate | $211 | $210 | $211 | $211 |
| Increase (Decrease) in Deferred Compensation | $1,440 | $1,510 | $995 | $1,407 |
| Payments to Acquire Property, Plant, and Equipment | $6,896 | $5,809 | $7,104 | $8,307 |
| Share-based Payment Arrangement, Noncash Expense | $1,298 | $1,311 | $2,116 | $2,451 |
| Net Cash Provided by (Used in) Investing Activities | $-516,951 | $-181,026 | $-436,122 | $-253,737 |
| Operating Lease, Right-of-Use Asset, Amortization Expense | $6,062 | $5,989 | $6,169 | $6,288 |
| Gain on Sale of Investments | — | — | $4,090 | $4,090 |
| Increase (Decrease) in Deposits | $293,640 | $157,383 | $-7,399 | $234,503 |
| Payments for FHLBank Advance, Investing Activities | $733,000 | $815,000 | $528,000 | $930,000 |
| Proceeds from FHLBank Borrowings, Financing Activities | $1,018,000 | $830,000 | $639,000 | $717,000 |
| Payments for Repurchase of Common Stock | $20,279 | $20,279 | $72 | $72 |
| Proceeds from Repayment of Loans by Employee Stock Ownership Plans | $627 | $672 | $620 | $605 |
| Payments of Dividends | $28,350 | $30,506 | $33,852 | $35,625 |
| Net Cash Provided by (Used in) Financing Activities | $411,298 | $147,611 | $55,731 | $-17,637 |
| Real Estate Owned, Transfer to Real Estate Owned | $64 | $169 | $328 | $328 |
| Transfer of Portfolio Loans and Leases to Held-for-sale | — | $68,173 | $86,816 | $86,816 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $3,736 | $7,480 | $1,317 | $1,003 |
| Capital Expenditures Incurred but Not yet Paid | — | — | $3,253 | $4,300 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $4,875 | $1,681 | $2,163 | $1,071 |
| Increase (Decrease) in Interest Payable, Net | $3,834 | $1,080 | $-1,865 | $-1,719 |
| Increase (Decrease) in Other Operating Assets | $24,763 | $12,952 | $10,529 | $1,765 |
| Increase (Decrease) in Other Operating Liabilities | $-4,488 | $614 | $15,433 | $6,853 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $63,451 | $119,752 | $105,708 | $96,575 |
| Income Taxes Paid, Net | $21,487 | $27,488 | $22,074 | $20,634 |