Rhinebeck Bancorp, Inc. (RBKB) [Rocket]

In millions, except per share items	Jun-30-23	Mar-31-23	Dec-31-22	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21
	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q
Interest income:
Interest income on loans	13.3	13.4	12.2	11.4	10.7	10.1	10.6	10.4
Interest income on investments	1.2	1.0	1.0	1.0	1.0	0.9	0.7	0.6
	14.9	14.6	13.3	12.6	11.7	11.0	11.4	11.1
Interest on deposits	4.3	4.0	2.8	1.3	0.8	0.7	0.8	0.9
Total interest expense	5.6	4.7	3.6	1.5	0.9	0.9	0.9	1.0
Net interest income	9.3	9.9	9.8	11.1	10.9	10.1	10.4	10.1
Provision for loan losses	-0.5	1.0	0.3	0.5	0.3	0.2	-1.5	-1.0
Net interest income after provision for loan losses	9.8	8.9	9.5	10.6	10.5	9.9	11.9	11.0
Other non-interest income	1.4	1.4	1.3	1.4	1.5	1.7	1.7	1.6
Total non-interest income	1.4	1.4	1.3	1.4	1.5	1.7	1.7	1.6
Non-interest expenses	9.3	9.2	9.6	9.2	9.5	9.1	9.5	9.1
Pre-tax income before non-recurring items	1.8	1.0	1.1	2.7	2.5	2.5	4.1	3.5
Non-recurring items	0.0	0.0	0.0
Pre-tax income	1.8	1.0	1.2	2.7	2.5	2.5	4.1	3.5
Income taxes	0.4	0.2	0.3	0.6	0.5	0.4	1.1	0.8
Tax rate	21.4%	22.0%	30.1%	22.0%	20.1%	17.8%	26.8%	23.6%
Net income	1.4	0.8	0.8	2.1	2.0	2.1	3.0	2.7
Net margin	12.9%	7.8%	7.5%	17.6%	16.9%	17.7%	21.9%	21.2%

Basic EPS	$0.13	$0.07	$0.07	$0.19	$0.19	$0.19	$0.28	$0.25
Diluted EPS	$0.13	$0.07	$0.07	$0.19	$0.18	$0.19	$0.27	$0.25

Shares outstanding (basic)	10.8	10.9	10.8	10.8	10.8	10.8	10.8	10.8
Shares outstanding (diluted)	10.9	11.0	11.0	11.0	11.0	11.0	11.0	10.9

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.