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Income Statement
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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 income:  
        Interest income on loans  44.441.442.238.331.325.422.9
        Interest income on investments  3.82.22.12.72.42.5 
       48.643.744.441.033.727.925.6
        Interest on deposits  5.63.66.77.04.23.1 
    Total interest expense  6.84.38.08.75.33.3 
Net interest income  41.839.436.432.228.424.622.5
Provision for loan losses  1.4-3.77.12.52.10.91.2
Net interest income after provision for loan losses  40.443.129.229.826.323.721.3
        Deposit and loan fees        2.3
        Other non-interest income  5.97.48.35.65.28.14.7
Total non-interest income  5.97.48.35.65.28.17.0
Non-interest expenses  37.435.530.127.926.125.124.3
Pre-tax income before non-recurring items  8.915.07.57.55.58.04.0
Non-recurring items  0.00.00.0 0.11.4 
Pre-tax income  8.915.07.57.55.46.64.0
Income taxes  1.93.41.61.51.03.61.3
            Tax rate  21.3%22.9%20.9%20.4%18.9%54.5%32.9%
Net income  7.011.65.96.04.43.02.7
            Net margin  15.1%22.9%15.8%16.8%13.8%9.5%9.5%
   
Basic EPS  $0.65$1.07$0.55$0.56   
Diluted EPS  $0.64$1.06$0.55$0.56   
   
Shares outstanding (basic)  10.810.810.710.7   
Shares outstanding (diluted)  11.011.010.710.7   
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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