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Cash Flow
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Cash Flow Overview
Free Cash flow
$2,739,262
Unit: Dollar
Positive Cash Flow Breakdown
Proceeds from fhlb advances
Certificates of deposit
Demand and savings deposits
Others
Negative Cash Flow Breakdown
Repayment of fhlb advances
Net change in loans
Loans originated for sale
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
2,226,804
2,785,291
3,409,453
3,597,006
Provision for credit losses
823,147
693,094
408,510
268,674
Depreciation and amortization
224,341
223,805
226,669
224,326
Deferred income tax
231,494
2
241,119
-117,881
Stock based compensation
88,216
87,493
59,608
29,295
Investment securities amortization, net
-166,350
-192,211
-188,572
-201,811
Net loss on sale of investment securities - available for sale
0
-
819
0
Net gains on loan and lease sales
181,319
173,072
118,646
94,280
(gain) loss on sale of real estate owned
-
-
0
6,067
Gain on sale of premises and equipment
0
-
0
0
Accretion of loan origination fees
214,549
211,704
264,460
173,308
Amortization of mortgage-servicing rights
64,528
63,807
55,533
57,593
Esop shares expense
198,608
187,751
185,591
192,848
Increase in cash surrender value of life insurance
24,489
24,728
24,564
24,778
Loans originated for sale
10,028,678
7,382,576
6,962,871
3,727,371
Proceeds on loans sold
9,193,678
7,389,576
6,349,871
4,328,076
Interest receivable
80,482
-124,805
467,910
-364,140
Other assets
880,380
-122,873
614,145
-69,000
Other liabilities
943,117
-497,999
-547,585
2,017,487
Interest payable
279,085
-795,059
542,829
-929,072
Net cash provided by operating activities
3,029,471
2,785,570
2,666,755
6,277,499
Net change in interest-bearing time deposits
-30,000
-750,000
-2,070,000
300,000
Purchases of securities available for sale
0
955,025
910,575
462,031
Proceeds from maturities and paydowns of securities available for sale
2,963,111
4,037,098
3,746,937
5,918,124
Proceeds from sales of securities available for sale
0
-
745
0
Proceeds from maturities and paydowns of securities held to maturity
0
395,000
24,180
160,080
Net change in loans
32,550,023
-2,311,524
-2,576,981
12,280,484
Proceeds from sales of real estate owned
0
43,502
0
43,502
Purchases of premises and equipment
290,209
324,561
196,653
461,788
Proceeds from sale of premises and equipment
-
-
0
0
Purchases of fhlb stock
-
-
0
0
Net cash provided by (used in) investing activities
-29,907,121
4,757,538
3,171,615
-6,782,597
Demand and savings deposits
16,362,825
4,832,914
-896,139
7,412,123
Certificates of deposit
23,915,208
-13,360,813
-2,468,948
14,457,208
Advances by borrowers for taxes and insurance
-49,433
117,488
-150,905
134,822
Proceeds from other borrowings
-
-
12,000,000
-
Repayment of other borrowings
0
-12,000,000
-
-
Proceeds from fhlb advances
85,000,000
73,000,000
55,000,000
50,000,000
Repayment of fhlb advances
97,000,000
57,000,000
69,000,000
63,000,000
Repurchase of common stock
0
0
0
0
Proceeds from stock option exercises
36,855
-
-4
0
Dividends paid
1,465,475
1,464,950
1,456,833
1,445,585
Net cash provided by (used in) financing activities
26,799,980
-5,875,361
-6,972,829
7,558,568
Net change in cash and cash equivalents
-77,670
1,667,747
-1,134,459
7,053,470
Cash and cash equivalents, beginning of period
34,798,241
33,130,494
34,264,953
21,757,190
Cash and cash equivalents, end of period
34,720,571
34,798,241
33,130,494
34,264,953
Page 1
Unit: Dollar. Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from fhlb
advances
$85,000,000
(-52.51%↓ Y/Y)
Proceeds on loans sold
$9,193,678
(-5.86%↓ Y/Y)
Certificates of deposit
$23,915,208
(414.72%↑ Y/Y)
Demand and savings
deposits
$16,362,825
(62.84%↑ Y/Y)
Proceeds from stock
option exercises
$36,855
Net income
$2,226,804
(-51.28%↓ Y/Y)
Other liabilities
$943,117
(1020.12%↑ Y/Y)
Provision for credit
losses
$823,147
(-44.22%↓ Y/Y)
Interest payable
$279,085
(128.23%↑ Y/Y)
Deferred income tax
$231,494
(197.40%↑ Y/Y)
Depreciation and
amortization
$224,341
(-49.11%↓ Y/Y)
Esop shares expense
$198,608
(-44.77%↓ Y/Y)
Investment securities
amortization, net
-$166,350
(54.36%↑ Y/Y)
Stock based
compensation
$88,216
(-87.86%↓ Y/Y)
Amortization of
mortgage-servicing rights
$64,528
(-32.42%↓ Y/Y)
Net cash provided by
(used in) financing...
$26,799,980
(763.22%↑ Y/Y)
Net cash provided by
operating activities
$3,029,471
(-56.88%↓ Y/Y)
Canceled cashflow
$98,514,908
Canceled cashflow
$11,409,897
Net change in cash
and cash...
-$77,670
(-101.42%↓ Y/Y)
Canceled cashflow
$29,829,451
Proceeds from maturities
and paydowns of...
$2,963,111
(-66.61%↓ Y/Y)
Repayment of fhlb advances
$97,000,000
(-45.20%↓ Y/Y)
Dividends paid
$1,465,475
(-50.03%↓ Y/Y)
Advances by borrowers for
taxes and insurance
-$49,433
(-164.77%↓ Y/Y)
Loans originated for
sale
$10,028,678
(0.10%↑ Y/Y)
Other assets
$880,380
(168.92%↑ Y/Y)
Accretion of loan
origination fees
$214,549
(-51.92%↓ Y/Y)
Net gains on loan and
lease sales
$181,319
(-7.70%↓ Y/Y)
Interest receivable
$80,482
(-51.56%↓ Y/Y)
Increase in cash
surrender value of life...
$24,489
(-48.77%↓ Y/Y)
Net cash provided by
(used in) investing...
-$29,907,121
(-1310.79%↓ Y/Y)
Canceled cashflow
$2,963,111
Net change in loans
$32,550,023
(274.07%↑ Y/Y)
Purchases of premises and
equipment
$290,209
(-58.74%↓ Y/Y)
Net change in
interest-bearing time deposits
-$30,000
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Richmond Mutual Bancorporation, Inc. (RMBI)
Richmond Mutual Bancorporation, Inc. (RMBI)