rbkb: the income statement

MyFinsight

Rhinebeck Bancorp, Inc. (RBKB)

For the quarter ending 2025-06-30, RBKB made $728K in revenue. $2,726K in net income. Net profit margin of 374.45%.

Overview

Revenue
$728K
Net Income
$2,726K
Net Profit Margin
374.45%
EPS
$0.25
Unit: Thousand (K) dollars

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Service charges on deposit accounts	728	773	773	736
Other	342	416	166	177
Investment advisory income	269	336	375	378
Net gain on sales of loans	69	38	50	35
Increase in cash surrender value of life insurance	194	188	192	188
Insurance gain (loss)	-	-	412	-
Debt securities, realized gain (loss)	-	-	-11,996	-
Total non-interest income	1,602	1,751	-10,028	1,514
Professional fees	492	477	510	458
Other	1,789	1,784	1,552	1,598
Occupancy	1,115	1,071	1,034	1,062
Marketing	223	200	129	115
Salaries and employee benefits	5,242	5,134	5,043	4,912
Data processing	534	525	505	521
Fdic deposit insurance and other insurance	295	297	289	261
Amortization of intangible assets	17	20	19	20
Total non-interest expense	9,707	9,508	9,081	8,947
(credit to) provision for credit losses	-101	353	889	447
Interest expense on deposits	4,866	4,762	5,567	5,370
Interest expense on borrowings	397	839	774	1,269
Total interest expense	5,263	5,601	6,341	6,639
Other income	414	279	366	295
Interest and fees on loans	15,066	15,008	14,679	14,524
Interest and dividends on securities	1,275	1,351	995	957
Total interest and dividend income	16,755	16,638	16,040	15,776
Net interest income	11,492	11,037	9,699	9,137
Net interest income after provision for credit losses	11,593	10,684	8,810	8,690
Net income before income taxes	3,488	2,927	-10,299	1,257
Net provision for income taxes	762	639	-2,237	282
Net income	2,726	2,288	-8,062	975

Earnings per share, basic	0.25	0.21	-0.75	0.09
Earnings per share, diluted	0.25	0.21	-0.75	0.09
Weighted average number of shares outstanding, basic	10,787,446	10,777,044	10,758,914	10,753,460
Weighted average number of shares outstanding, diluted	10,954,124	10,923,364	10,758,914	10,819,751

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

MyFinsight

Overview

Revenue
$728K
Net Income
$2,726K
Net Profit Margin
374.45%
EPS
$0.25
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue
$728K
Net Income
$2,726K
Net Profit Margin
374.45%
EPS
$0.25
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue$728KNet Income$2,726KNet Profit Margin374.45%EPS$0.25Unit: Thousand (K) dollars

Income Statement

Overview

Revenue$728KNet Income$2,726KNet Profit Margin374.45%EPS$0.25Unit: Thousand (K) dollars

Income Statement

Revenue
$728K
Net Income
$2,726K
Net Profit Margin
374.45%
EPS
$0.25
Unit: Thousand (K) dollars

Revenue
$728K
Net Income
$2,726K
Net Profit Margin
374.45%
EPS
$0.25
Unit: Thousand (K) dollars