First Guaranty Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	12.45	9.22	28.88	27.3
Depreciation & Amortization	4.43	4.03	4.11	4.78
Gain (Loss) on Sale of Assets	-14.14	0.12	-1.76	-0.43
Gain (Loss) on Sale of Investments	-2.56	0.99	1.82	-0.82
Provision for Credit Losses	20.03	3.71	3.66	2.06
Change in Other Net Operating Assets	14.28	4.01	0.18	-6.35
Other Operating Activities	-0.78	-0.36	-0.02	-0.01
Operating Cash Flow	33.73	21.71	36.87	26.52
Operating Cash Flow Growth	55.33%	-41.10%	39.01%	11.62%
Capital Expenditures	-3.04	-14.86	-2.64	-2.2
Sale of Property, Plant and Equipment	14.98	0.32	0.07	0.08
Investment in Securities	-196.24	49.07	-100.07	-133.51
Purchase / Sale of Intangibles	-	-0.1	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	36.83	-234.12	-362.54	-320.35
Other Investing Activities	4.46	-6.5	-5.15	2.01
Investing Cash Flow	-142.07	-206.09	-467.91	-452.65
Short-Term Debt Issued	-	-	140	-
Long-Term Debt Issued	29.7	195.1	-	-
Total Debt Issued	29.7	195.1	140	-
Short-Term Debt Repaid	-59.29	-80.15	-	-49.68
Long-Term Debt Repaid	-44.03	-22.95	-5.78	-17.32
Total Debt Repaid	-103.32	-103.09	-5.78	-67
Net Debt Issued (Repaid)	-73.62	92.01	134.22	-67
Issuance of Common Stock	-	20	-	-
Preferred Stock Issued	-	-	-	33.06
Common Dividends Paid	-5.13	-7.37	-6.86	-6.39
Preferred Dividends Paid	-2.33	-2.33	-2.33	-1.38
Total Dividends Paid	-7.46	-9.7	-9.19	-7.78
Net Increase (Decrease) in Deposit Accounts	467.17	285.3	127.3	430.17
Financing Cash Flow	386.09	387.61	252.33	388.45
Net Cash Flow	277.75	203.24	-178.71	-37.67
Free Cash Flow	30.69	6.86	34.22	24.32
Free Cash Flow Growth	347.37%	-79.96%	40.74%	39.38%
Free Cash Flow Margin	32.94%	7.49%	31.87%	24.73%
Free Cash Flow Per Share	2.46	0.61	3.19	2.27
Cash Interest Paid	124.64	90.79	36.73	23.11
Cash Income Tax Paid	-	3.43	7.62	11.44

Source: S&P Global Market Intelligence. Banks template. Financial Sources.