Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-7.45	-8.62	4.4	7	11.56	5.92
Depreciation & Amortization	1.4	1.42	1.49	1.65	1.66	1.42
Gain (Loss) on Sale of Assets	-	0.01	0.33	0.04	-0.03	-0.51
Gain (Loss) on Sale of Investments	15.93	16.09	0.28	0.4	0.33	0.59
Provision for Credit Losses	3.07	2.8	1.7	1.41	-3.67	7.14
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.05	1.07	-0.54	4.57	1.35	3.73
Accrued Interest Receivable	-0.02	0.18	-0.36	-0.89	0.45	-0.92
Change in Other Net Operating Assets	4.82	-1.53	-0.11	0.63	-3.38	2.38
Other Operating Activities	-2.58	-2.99	-0.57	0.01	1.11	-1.53
Operating Cash Flow	16.28	8.47	7.05	14.8	7.65	14.85
Operating Cash Flow Growth	3583.94%	20.18%	-52.36%	93.35%	-48.45%	22.57%
Capital Expenditures	-0.66	-0.79	-0.58	-1.13	-1.77	-1.87
Sale of Property, Plant and Equipment	0.04	2.89	-	-	-	-
Cash Acquisitions	-	-	-	-	32.77	-
Investment in Securities	44.59	35.7	34.07	24	-182.4	12.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	12.88	33.36	-16.16	-144.52	23.75	-89.3
Other Investing Activities	3.37	3.56	-2.61	-1.96	-8.22	0.61
Investing Cash Flow	60.21	74.75	14.7	-123.61	-135.73	-74.12
Short-Term Debt Issued	-	-	28.73	34.51	-	-
Long-Term Debt Issued	-	-	41.61	5.18	-	-
Total Debt Issued	-	-	70.34	39.68	-	-
Short-Term Debt Repaid	-	-33.55	-	-	-15.87	-4.3
Long-Term Debt Repaid	-	-24.74	-	-	-16.77	-11.33
Total Debt Repaid	-54.19	-58.29	-	-	-32.63	-15.63
Net Debt Issued (Repaid)	-54.19	-58.29	70.34	39.68	-32.63	-15.63
Issuance of Common Stock	-	-	-	-	0.04	-
Repurchase of Common Stock	-	-	-1.46	-0.11	-0.13	-
Net Increase (Decrease) in Deposit Accounts	-2.78	-9.72	-99.43	27.93	138.77	156.02
Other Financing Activities	0.33	0.15	-0.46	0.6	0.64	0.39
Financing Cash Flow	-56.65	-67.86	-31.01	68.11	106.69	140.78
Net Cash Flow	19.85	15.36	-9.26	-40.71	-21.39	81.51
Free Cash Flow	15.62	7.68	6.47	13.66	5.88	12.98
Free Cash Flow Growth	-	18.69%	-52.65%	132.44%	-54.71%	36.30%
Free Cash Flow Margin	55.73%	29.64%	15.53%	29.50%	11.64%	34.57%
Free Cash Flow Per Share	1.45	0.71	0.60	1.24	0.54	1.21
Cash Interest Paid	25.27	26.08	21.98	6.07	4.61	8.31
Cash Income Tax Paid	0.87	0.87	1.5	1.9	-0.04	3.4

Updated Mar 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q