Richmond Mutual Bancorporation, Inc. (RMBI)

RMBI 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	8.98	9.38	9.49	12.97	11.14	10.02
Depreciation & Amortization	1.05	1.04	1.19	1.29	1.54	1.47
Gain (Loss) on Sale of Assets	0	0	0	0.01	0	0.04
Gain (Loss) on Sale of Investments	0.93	0.99	1.14	1.55	2.47	2.42
Provision for Credit Losses	1.1	0.55	0.53	0.6	1.43	3.77
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.3	0.3	0.32	-0.08	-1.43	1.66
Accrued Interest Receivable	-0.07	-0.19	-1.13	-0.52	0.51	-1.65
Change in Other Net Operating Assets	1.92	1.36	-3.77	0.14	-24.54	2.55
Other Operating Activities	-0.91	-0.7	-0.39	-0.6	-0.96	-1.46
Operating Cash Flow	14.77	14.75	12.11	18.16	-9.65	16.57
Operating Cash Flow Growth	38.20%	21.78%	-33.29%	-	-	64.15%
Capital Expenditures	-0.42	-0.46	-0.62	-0.39	-0.58	-1.88
Sale of Property, Plant and Equipment	0.01	0.01	0	-	-	0.03
Investment in Securities	22.47	21.16	11.78	11.52	-118.55	-35.86
Net Decrease (Increase) in Loans Originated / Sold - Investing	-53.26	-68.87	-131.96	-127.38	-92.15	-50.09
Other Investing Activities	-	-1.26	-2.7	0.05	-0.94	-1.45
Investing Cash Flow	-31.12	-49.3	-122.53	-116.12	-212.19	-89.26
Long-Term Debt Issued	-	288.5	541.5	327.5	209	64
Long-Term Debt Repaid	-	-294.5	-450.5	-327.5	-199	-48
Net Debt Issued (Repaid)	1	-6	91	-	10	16
Issuance of Common Stock	-	-	-	-	0.13	-
Repurchase of Common Stock	-8.2	-5.04	-6.25	-9.86	-11.91	-9.08
Common Dividends Paid	-5.75	-5.7	-5.92	-4.41	-3.33	-1.84
Total Dividends Paid	-5.75	-5.7	-5.92	-4.41	-3.33	-1.84
Net Increase (Decrease) in Deposit Accounts	36.02	52.8	35.88	105.09	207.13	75.83
Other Financing Activities	0.03	0	0.03	0.03	0.04	-0.05
Financing Cash Flow	23.09	36.06	114.74	90.85	196.11	80.85
Net Cash Flow	6.74	1.52	4.32	-7.12	-25.73	8.17
Free Cash Flow	14.35	14.29	11.49	17.78	-10.23	14.69
Free Cash Flow Growth	42.93%	24.33%	-35.33%	-	-	60.82%
Free Cash Flow Margin	33.51%	33.30%	27.54%	38.63%	-23.91%	40.13%
Free Cash Flow Per Share	1.41	1.40	1.10	1.61	-0.88	1.20
Cash Interest Paid	42.91	41.38	26.72	9.11	7.65	9.47
Cash Income Tax Paid	-	-0.41	2.05	2.18	2.9	1.05

Updated Mar 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q