Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	46.38	22.13	31.38	72.09	93.49	11.98
Investment Securities	57.91	63.41	79.13	103.79	13.66	16.35
Trading Asset Securities	6.63	6.28	4.55	0.64	-	-
Mortgage-Backed Securities	111.23	128.58	144.53	176.49	89.27	98.48
Total Investments	175.76	198.26	228.21	280.93	102.93	114.83
Gross Loans	972.59	1,016	1,002	858.58	882.73	796.74
Allowance for Loan Losses	-8.15	-8.12	-7.94	-7.56	-11.63	-5.95
Net Loans	964.44	1,008	994.12	851.02	871.1	790.79
Property, Plant & Equipment	21.51	23.87	25.62	27.02	25.13	18.34
Goodwill	2.24	2.24	2.24	2.24	1.41	1.41
Other Intangible Assets	0.19	0.25	0.33	0.43	0.2	0.24
Loans Held for Sale	0.44	0.91	0.25	3.95	2.72	2.68
Accrued Interest Receivable	4.55	4.75	4.31	3.38	3.82	2.9
Long-Term Deferred Tax Assets	7.84	9.94	10.13	3.35	3.7	2.26
Other Real Estate Owned & Foreclosed	-	0.03	-	-	0.14	1.42
Other Long-Term Assets	39.3	36.38	36.13	35.44	21.41	23.67
Total Assets	1,266	1,313	1,336	1,281	1,129	973.95
Accrued Expenses	8.49	8.5	9.04	7.75	7.23	7.58
Interest Bearing Deposits	693.43	680.65	807.47	763.48	650.46	459.26
Institutional Deposits	95.88	100.06	38.9	23.7	34.57	134.85
Non-Interest Bearing Deposits	256.86	249.79	283.56	314.81	244.34	179.24
Total Deposits	1,046	1,031	1,130	1,102	929.36	773.34
Short-Term Borrowings	16.63	6.28	4.55	0.64	-	22.5
Current Portion of Long-Term Debt	20	80	-	-	-	-
Current Portion of Leases	0.2	0.76	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	29.77	48.06	57.72	18.04	50.67	43.8
Long-Term Leases	7.31	5.54	6.9	7.84	6.29	-
Trust Preferred Securities	5.16	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	0.42	0.19	0.23	0.22	1.33	0.33
Other Long-Term Liabilities	9.33	14.51	14.32	13.55	12.29	11.36
Total Liabilities	1,143	1,200	1,228	1,155	1,012	864.06
Common Stock	0.11	0.11	0.11	0.11	0.11	0.11
Additional Paid-In Capital	45.94	45.96	47.08	46.57	46.04	45.87
Retained Earnings	94.42	100.39	96.62	89.63	78.07	72.15
Comprehensive Income & Other	-17.8	-32.77	-35.68	-10.34	-7.72	-8.25
Shareholders' Equity	122.67	113.69	108.13	125.97	116.5	109.88
Total Liabilities & Equity	1,266	1,313	1,336	1,281	1,129	973.95
Total Debt	79.06	145.8	74.32	31.68	62.12	71.46
Net Cash (Debt)	-26.06	-117.4	-38.39	41.06	31.37	-59.48
Net Cash Growth	-	-	-	30.89%	-	-
Net Cash Per Share	-2.42	-10.81	-3.49	3.75	2.92	-5.55
Filing Date Shares Outstanding	10.78	10.75	10.94	10.93	10.74	10.72
Total Common Shares Outstanding	10.78	10.75	10.94	10.93	10.74	10.72
Book Value Per Share	11.38	10.58	9.89	11.53	10.85	10.25
Tangible Book Value	120.25	111.2	105.56	123.3	114.89	108.23
Tangible Book Value Per Share	11.16	10.35	9.65	11.29	10.70	10.10

Source: S&P Capital IQ. Banks template. Financial Sources.