Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. (RBKB)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 2,216 | 2,336 | 2,695 | 5,014 |
| Amortization and accretion of premiums and discounts on investments, net | 59 | 51 | 19 | 88 |
| Provision for credit losses - loans | 82 | 529 | 928 | NaN |
| (reversal of) provision for credit losses - unfunded commitments | -11 | -26 | -24 | NaN |
| Provision for credit losses | NaN | 503 | 904 | 252 |
| Loans originated for sale | NaN | 1,375 | 2,214 | 3,973 |
| Proceeds from sale of loans | NaN | 2,000 | 2,669 | 3,145 |
| Net gain on sale of loans | NaN | 56 | 89 | 107 |
| Provision for credit losses | 71 | NaN | NaN | NaN |
| Amortization of intangible assets | 7 | 7 | 16 | 37 |
| Depreciation and amortization | 337 | 466 | 210 | 622 |
| Net gain from disposal of premises and equipment | 7 | 10 | -1 | NaN |
| Deferred income tax expense | 498 | 413 | 483 | 946 |
| Increase in cash surrender value of insurance | 198 | 200 | 198 | 382 |
| Net decrease (increase) in accrued interest receivable | -174 | 25 | 355 | 67 |
| Expense of earned esop shares | 77 | 59 | 69 | 115 |
| Share-based compensation expense | 10 | 10 | 10 | 19 |
| Net decrease in other assets | -3,725 | -993 | 3,834 | -734 |
| Net (decrease) increase in accrued expenses and other liabilities | -3,332 | -2,298 | 1,882 | 474 |
| Net cash provided by operating activities | 3,519 | 2,772 | 2,230 | 6,741 |
| Proceeds from sales and calls of securities | NaN | 500 | NaN | NaN |
| Proceeds from maturities and principal repayments of securities | 6,588 | 12,769 | 14,367 | 24,608 |
| Purchases of securities | 992 | 25,696 | 20,672 | 2,626 |
| Net purchases of fhlb stock | -900 | -66 | 0 | -1,937 |
| Net decrease (increase) in loans | -16,562 | -23,178 | 18,101 | -11,659 |
| Purchases of bank owned life insurance | NaN | 0 | 23 | NaN |
| Purchases of bank premises and equipment | 637 | 353 | 199 | 298 |
| Proceeds from disposal of premises and equipment | 448 | 26 | 19 | NaN |
| Net cash provided by investing activities | 22,869 | 10,490 | -24,609 | 35,280 |
| Net decrease in short-term debt | NaN | 164 | 0 | -45,000 |
| Net increase (decrease) in long-term debt | NaN | -1,614 | 0 | 1,830 |
| Share redemption for tax withholding | NaN | 23 | 133 | 62 |
| Net increase in demand deposits, now, money market and savings accounts | 148 | -14,044 | 19,127 | 32,173 |
| Net increase (decrease) in time deposits | 6,004 | -4,444 | 25,893 | 17,852 |
| Net decrease in mortgagors' escrow accounts | -1,509 | 5,315 | -8,665 | 3,324 |
| Repayment of borrowings | 20,000 | NaN | NaN | NaN |
| Stock repurchases | 220 | 95 | NaN | NaN |
| Proceeds from exercise of stock options | 107 | NaN | NaN | NaN |
| Net cash used in financing activities | -15,470 | -14,741 | 36,222 | 10,117 |
| Net increase in cash and cash equivalents | 10,918 | -1,479 | 13,843 | 52,138 |
| Beginning balance | 101,986 | -65,981 | 37,484 | NaN |
| Ending balance | 112,904 | -1,479 | 103,465 | NaN |