For the quarter ending 2025-09-30, RBKB had $13,843K increase in cash & cash equivalents over the period. $2,031K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 2,695 | 5,014 |
| Amortization and accretion of premiums and discounts on investments, net | 19 | 88 |
| Provision for credit losses - loans | 928 | - |
| (reversal of) provision for credit losses - unfunded commitments | -24 | - |
| Provision for credit losses | 904 | 252 |
| Loans originated for sale | 2,214 | 3,973 |
| Proceeds from sale of loans | 2,669 | 3,145 |
| Net gain on sale of loans | 89 | 107 |
| Amortization of intangible assets | 16 | 37 |
| Depreciation and amortization | 210 | 622 |
| Net loss from disposal of premises and equipment | -1 | - |
| Deferred income tax expense (benefit) | 483 | 946 |
| Increase in cash surrender value of insurance | 198 | 382 |
| Net (increase) decrease in accrued interest receivable | 355 | 67 |
| Expense of earned esop shares | 69 | 115 |
| Share-based compensation expense | 10 | 19 |
| Net increase in other assets | 3,834 | -734 |
| Net increase in accrued expenses and other liabilities | 1,882 | 474 |
| Net cash provided by operating activities | 2,230 | 6,741 |
| Proceeds from maturities and principal repayments of securities | 14,367 | 24,608 |
| Purchases of securities | 20,672 | 2,626 |
| Net purchases of fhlb stock | 0 | -1,937 |
| Net (increase) decrease in loans | 18,101 | -11,659 |
| Purchases of bank owned life insurance | 23 | - |
| Purchases of bank premises and equipment | 199 | 298 |
| Proceeds from disposal of premises and equipment | 19 | - |
| Net cash provided by investing activities | -24,609 | 35,280 |
| Net increase (decrease) in demand deposits, now, money market and savings accounts | 19,127 | 32,173 |
| Net increase in time deposits | 25,893 | 17,852 |
| Net decrease in mortgagors' escrow accounts | -8,665 | 3,324 |
| Net decrease in short-term debt | 0 | -45,000 |
| Net increase (decrease) in long-term debt | 0 | 1,830 |
| Share redemption for tax withholding on exercised options | 133 | 62 |
| Net cash provided by (used in) financing activities | 36,222 | 10,117 |
| Net increase in cash and cash equivalents | 13,843 | 52,138 |
| Cash and cash equivalents at beginning of period | 37,484 | - |
| Cash and cash equivalents at end of period | 103,465 | - |
Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. (RBKB)