FB Financial 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	116.04	120.22	124.56	190.29
Depreciation & Amortization	20.27	21.97	20.58	20.52
Other Amortization	1.99	1.77	0.85	1.02
Gain (Loss) on Sale of Assets	2.17	0.03	0.27	-2.83
Gain (Loss) on Sale of Investments	58.56	20.08	6.97	8.45
Provision for Credit Losses	12.24	1.89	15.99	-41.76
Net Decrease (Increase) in Loans Originated / Sold - Operating	-15.88	77.23	663.53	85.73
Change in Other Net Operating Assets	-21.46	-5.6	54.06	-41.79
Other Operating Activities	-10.25	-7.67	-50.18	-13.91
Operating Cash Flow	138.8	211.07	799.71	54.9
Operating Cash Flow Growth	-34.24%	-73.61%	1356.80%	-
Capital Expenditures	-6.55	-20.23	-10.63	-6.1
Sale of Property, Plant and Equipment	1.01	0.12	0.88	-
Investment in Securities	-89.18	29.71	-46.92	-542.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-211.94	-97.3	-1,676	-309.77
Other Investing Activities	10.33	26.4	-26.42	-0.99
Investing Cash Flow	-294	-55.22	-1,754	-849.56
Short-Term Debt Issued	-	21.82	221.23	8.52
Total Debt Issued	-	21.82	221.23	8.52
Short-Term Debt Repaid	-95.27	-45	-	-15
Long-Term Debt Repaid	-130	-	-	-60
Total Debt Repaid	-225.27	-45	-	-75
Net Debt Issued (Repaid)	-225.27	-23.18	221.23	-66.48
Issuance of Common Stock	0.88	0.72	1.21	1.48
Repurchase of Common Stock	-14.55	-8.32	-42.82	-17.75
Common Dividends Paid	-31.78	-28.06	-24.5	-20.87
Net Increase (Decrease) in Deposit Accounts	657.65	-312.9	28.78	1,379
Other Financing Activities	-0.18	-0.24	-0.18	-0.73
Financing Cash Flow	386.76	-371.98	183.72	1,275
Net Cash Flow	231.56	-216.12	-770.69	479.84
Free Cash Flow	132.25	190.84	789.08	48.79
Free Cash Flow Growth	-30.70%	-75.81%	1517.21%	-
Free Cash Flow Margin	29.82%	40.16%	155.36%	7.91%
Free Cash Flow Per Share	2.82	4.08	16.70	1.02
Cash Interest Paid	303.66	261.03	63.7	41.24
Cash Income Tax Paid	43.2	37.94	0.91	61.69

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