Rhinebeck Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-8.62	4.4	7	11.56
Depreciation & Amortization	1.42	1.49	1.65	1.66
Gain (Loss) on Sale of Assets	0.01	0.33	0.04	-0.03
Gain (Loss) on Sale of Investments	16.09	0.28	0.4	0.33
Provision for Credit Losses	2.8	1.7	1.41	-3.67
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.07	-0.54	4.57	1.35
Accrued Interest Receivable	0.18	-0.36	-0.89	0.45
Change in Other Net Operating Assets	-1.53	-0.11	0.63	-3.38
Other Operating Activities	-2.99	-0.57	0.01	1.11
Operating Cash Flow	8.47	7.05	14.8	7.65
Operating Cash Flow Growth	20.18%	-52.36%	93.35%	-48.45%
Capital Expenditures	-0.79	-0.58	-1.13	-1.77
Sale of Property, Plant and Equipment	2.89	-	-	-
Cash Acquisitions	-	-	-	32.77
Investment in Securities	35.7	34.07	24	-182.4
Net Decrease (Increase) in Loans Originated / Sold - Investing	33.36	-16.16	-144.52	23.75
Other Investing Activities	3.56	-2.61	-1.96	-8.22
Investing Cash Flow	74.75	14.7	-123.61	-135.73
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
Long-Term Debt Repaid	-24.74	-	-	-16.77
Total Debt Repaid	-58.29	-	-	-32.63
Net Debt Issued (Repaid)	-58.29	70.34	39.68	-32.63
Issuance of Common Stock	-	-	-	0.04
Repurchase of Common Stock	-	-1.46	-0.11	-0.13
Net Increase (Decrease) in Deposit Accounts	-9.72	-99.43	27.93	138.77
Other Financing Activities	0.15	-0.46	0.6	0.64
Financing Cash Flow	-67.86	-31.01	68.11	106.69
Net Cash Flow	15.36	-9.26	-40.71	-21.39
Free Cash Flow	7.68	6.47	13.66	5.88
Free Cash Flow Growth	18.69%	-52.65%	132.44%	-54.71%
Free Cash Flow Margin	29.64%	15.53%	29.50%	11.64%
Free Cash Flow Per Share	0.71	0.60	1.24	0.54
Cash Interest Paid	26.08	21.98	6.07	4.61
Cash Income Tax Paid	0.87	1.5	1.9	-0.04

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q