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Income Statement
Balance Sheet
Cash Flow Statement
Supplemental

Unit Economics
Common Size IS
Op Efficiency
Credit Analysis

Rhinebeck Bancorp, Inc. (RBKB)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
 
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16
   10-K10-K10-K10-K10-K10-KS-1/A
Interest and Dividend Income         
Interest and fees on loans  44.441.442.238.331.325.4 
Interest and dividends on securities  3.82.22.12.72.42.5 
Other income  0.30.10.00.10.10.1 
    Total interest and dividend income  48.643.744.441.033.727.925.6
   
Interest Expense         
Interest expense on deposits  5.63.66.77.04.23.1 
Interest expense on borrowings  1.10.71.31.81.10.2 
    Total interest expense  6.84.38.08.75.33.3 
    Net interest income  41.839.436.432.228.424.622.5
Provision for (reversal of) credit losses  1.4-3.77.12.52.10.91.2
Provision for (reversal of) credit losses  1.4-3.77.12.52.10.91.2
    Net interest income after provision for (reversal of) credit losses  40.443.129.229.826.323.721.3
   
Non-interest Income         
Service charges on deposit accounts  46.350.537.535.431.531.728.4
            Service charges on deposit accounts growth  -8.3%34.5%6.0%12.5%-0.8%12.0% 
Net gain on sales of loans  0.92.63.81.20.60.6 
Increase in cash surrender value of life insurance  0.60.60.40.40.40.5 
Gain on disposal of premises and equipment  0.00.00.0 0.0-0.1 
Investment advisory income  1.21.11.30.90.80.7 
Other  0.50.30.10.30.90.90.1
    Total non-interest income  5.97.48.35.65.28.17.0
   
Non-interest Expense         
Salaries and employee benefits  21.620.116.815.614.413.5 
Occupancy  4.64.13.53.53.43.4 
Data processing  1.91.71.41.31.21.2 
Professional fees  1.71.81.61.40.90.8 
Marketing  0.70.70.50.7   
FDIC deposit insurance and other insurance  0.80.80.80.50.80.8 
Amortization of intangible assets  0.10.10.00.00.00.1 
Other  6.06.15.24.84.44.4 
    Total non-interest expense  37.435.530.127.926.125.124.3
    Income before income taxes  8.915.07.57.55.46.6 
Provision for income taxes  1.93.41.61.51.03.61.3
    Net income  7.011.65.96.04.43.02.7
   
Earnings per common share:         
Basic  $0.65$1.07$0.55$0.56   
Diluted  $0.64$1.06$0.55$0.56   
   
Weighted average shares outstanding, basic  10.810.810.710.7   
Weighted average shares outstanding, diluted  11.011.010.710.7   

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