Rhinebeck bancorp, inc. (RBKB)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18
Cash Flows from Operating Activities
Net income

0

-

-

-

0

-

-

-

-

Net income

-

-

-

-

-

-

-

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion of premiums and discounts on investments, net

-288

-244

-241

-243

3,504

-337

0

0

0

Net realized loss on sales and calls of securities

0

-

-

-

-

-

-

-

-

Net realized loss on sales and calls of securities

-

-

-

-

-

-

-

0

0

Provision for loan losses

2,880

2,460

2,535

2,610

2,355

2,100

0

0

0

Loans originated for sale

0

-

-

-

0

-

-

-

-

Loans originated for sale

-

-

-

-

-

-

-

0

0

Proceeds from sale of loans

57,574

48,027

41,036

41,250

38,721

39,375

0

0

0

Net gain on sale of loans

817

619

553

561

529

621

0

0

0

Amortization of intangible assets

43

43

42

43

42

42

0

0

0

Depreciation and amortization

1,298

1,291

1,250

1,219

1,181

1,147

0

0

0

Deferred income tax benefit

-14

-94

-110

37

16

102

0

0

0

Increase in cash surrender value of insurance

395

398

401

402

402

401

0

0

0

Increase in accrued interest receivable

320

380

375

1,078

1,117

374

0

0

0

Expense of released ESOP shares

0

-

-

-

-

-

-

-

-

(Increase) decrease in other assets

6,036

-1,133

-964

-267

-340

1,037

0

0

0

Increase (decrease) in accrued expenses and other liabilities

8,156

1,714

1,926

5

352

675

0

0

0

Net cash provided by operating activities

11,452

8,985

8,963

6,778

3,031

8,608

0

0

0

Cash Flows from Investing Activities
Proceeds from sales and calls of securities

0

-

-

-

-

2,113

0

0

0

Proceeds from maturities and principal repayments of securities

21,454

18,322

0

0

0

-

-

-

-

Purchases of securities

41,515

41,078

0

0

0

-

-

-

-

Net purchases of FHLB Stock

116

1,552

-266

959

2,672

775

0

0

0

Net increase in loans

0

-

-

-

0

-

-

-

-

Net increase in loans

-

-

-

-

-

-

0

0

0

Purchases of bank premises and equipment

2,847

2,589

3,212

1,254

1,300

1,146

0

0

0

Net increase of other real estate owned

0

-

-

-

-

-

-

-

-

Proceeds from sale of other real estate owned

282

282

0

0

0

-

-

-

-

Net cash used in investing activities

-109,267

-128,958

-117,448

-121,294

-126,330

-104,072

0

0

0

Cash Flows from Financing Activities
Net increase in demand deposits, NOW, money market and savings accounts

0

-

-

-

0

-

-

-

-

Net (decrease) increase in demand deposits, NOW, money market and savings accounts

-

-

-

-

-

-

-

0

0

Net increase in time deposits

56,357

62,953

56,909

40,977

26,897

13,473

0

0

0

Decrease in mortgagors' escrow accounts

752

381

172

286

82

441

0

0

0

Net increase in short-term debt

-27,613

13,209

-25,665

-3,643

49,409

8,826

0

0

0

Net increase (decrease) in long-term debt

0

-

0

0

0

-

-

-

-

Proceeds of stock subscriptions

-

-

-

-

0

-

-

-

-

Return of unfulfilled stock subscriptions

-

41,082

0

0

0

-

-

-

-

Offering expenses

-

1,898

0

0

0

-

-

-

-

Loan to ESOP

-

4,364

0

0

0

-

-

-

-

Return of capital to Rhinebeck Bancorp, MHC

-

121

0

0

0

-

-

-

-

Net cash provided by financing activities

104,172

81,361

114,245

114,077

127,266

135,594

0

0

0

Net increase (decrease) in cash and due from banks

0

-

-

-

0

-

-

-

-

Cash and Due from Banks
Net (decrease) increase in cash and due from banks

-

-

-

-

-

-

-

0

0

Supplemental Disclosures of Cash Flow Information
Cash paid for:
Interest

9,313

8,626

8,080

6,996

5,932

5,139

0

0

0

Income taxes

1,687

1,690

1,297

1,172

619

625

0

0

0

Unrealized holding gain (loss) on available for sale securities arising during the period

-

-

-

-

-

-

-

0

0