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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	5.06	-8.62	4.4	7	11.56	5.92
Depreciation & Amortization	1.23	1.42	1.49	1.65	1.66	1.42
Gain (Loss) on Sale of Assets	0	0.01	0.33	0.04	-0.03	-0.51
Gain (Loss) on Sale of Investments	3.84	16.09	0.28	0.4	0.33	0.59
Provision for Credit Losses	2.54	2.8	1.7	1.41	-3.67	7.14
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.1	1.07	-0.54	4.57	1.35	3.73
Accrued Interest Receivable	-0.48	0.18	-0.36	-0.89	0.45	-0.92
Change in Other Net Operating Assets	-0.46	-1.53	-0.11	0.63	-3.38	2.38
Other Operating Activities	0.69	-2.99	-0.57	0.01	1.11	-1.53
Operating Cash Flow	12.55	8.47	7.05	14.8	7.65	14.85
Operating Cash Flow Growth	148.47%	20.18%	-52.36%	93.35%	-48.45%	22.57%
Capital Expenditures	-0.87	-0.79	-0.58	-1.13	-1.77	-1.87
Sale of Property, Plant and Equipment	0.02	2.89	-	-	-	-
Cash Acquisitions	-	-	-	-	32.77	-
Investment in Securities	22.26	35.7	34.07	24	-182.4	12.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-15.17	33.36	-16.16	-144.52	23.75	-89.3
Other Investing Activities	1.46	3.56	-2.61	-1.96	-8.22	0.61
Investing Cash Flow	7.71	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	1.83	-	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	-35	-58.29	-	-	-32.63	-15.63
Net Debt Issued (Repaid)	-33.17	-58.29	70.34	39.68	-32.63	-15.63
Issuance of Common Stock	-	-	-	-	0.04	-
Repurchase of Common Stock	-0.2	-	-1.46	-0.11	-0.13	-
Net Increase (Decrease) in Deposit Accounts	69.66	-9.72	-99.43	27.93	138.77	156.02
Other Financing Activities	0.53	0.15	-0.46	0.6	0.64	0.39
Financing Cash Flow	36.82	-67.86	-31.01	68.11	106.69	140.78
Net Cash Flow	57.09	15.36	-9.26	-40.71	-21.39	81.51
Free Cash Flow	11.68	7.68	6.47	13.66	5.88	12.98
Free Cash Flow Growth	166.21%	18.69%	-52.65%	132.44%	-54.71%	36.30%
Free Cash Flow Margin	25.79%	29.64%	15.53%	29.50%	11.64%	34.57%
Free Cash Flow Per Share	1.07	0.71	0.60	1.24	0.54	1.21
Cash Interest Paid	22.58	26.08	21.98	6.07	4.61	8.31
Cash Income Tax Paid	0.62	0.87	1.5	1.9	-0.04	3.4

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q