QCR Holdings 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	113.85	113.56	99.07	98.91
Depreciation & Amortization	11.23	11.66	10.52	7.39
Gain (Loss) on Sale of Assets	-0.08	0.3	0.25	-0.7
Gain (Loss) on Sale of Investments	1.41	0.46	-9.22	0.51
Total Asset Writedown	0.43	-	-	-
Provision for Credit Losses	17.1	16.54	8.28	3.49
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.58	0.55	8.09	4.55
Change in Other Net Operating Assets	-28.1	-12.94	1.42	-44.21
Other Operating Activities	319.62	239.51	-3.68	15.97
Operating Cash Flow	444.54	376.32	118.7	88.22
Operating Cash Flow Growth	18.13%	217.04%	34.55%	-21.36%
Capital Expenditures	-44.49	-14.95	-33.26	-13.98
Sale of Property, Plant and Equipment	0	0.5	2.06	1.73
Cash Acquisitions	-	-	144.97	-
Investment in Securities	-173.7	-83.28	-18.62	33.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-642.86	-676.7	-654.86	-433.54
Other Investing Activities	14.12	24.86	-75.47	-4.54
Investing Cash Flow	-845.23	-749.27	-634.69	-411.77
Short-Term Debt Issued	0.3	-	525.83	-
Long-Term Debt Issued	10.38	135	110	-
Total Debt Issued	10.68	135	635.83	-
Short-Term Debt Repaid	-160	-243.13	-16	-1.63
Long-Term Debt Repaid	-	-	-10	-5
Total Debt Repaid	-160	-243.13	-26	-6.63
Net Debt Issued (Repaid)	-149.32	-108.13	609.83	-6.63
Issuance of Common Stock	1.47	1.4	0.42	0.67
Repurchase of Common Stock	-	-8.69	-52.95	-14.17
Common Dividends Paid	-4.03	-4.03	-3.94	-3.79
Net Increase (Decrease) in Deposit Accounts	547.18	529.79	-15.13	323.64
Financing Cash Flow	395.3	410.35	538.23	299.71
Net Cash Flow	-5.39	37.4	22.23	-23.84
Free Cash Flow	400.05	361.38	85.44	74.24
Free Cash Flow Growth	10.70%	322.97%	15.09%	-31.20%
Free Cash Flow Margin	121.15%	107.19%	28.14%	26.98%
Free Cash Flow Per Share	23.59	21.43	5.06	4.66
Cash Interest Paid	247.67	187.95	58.65	23.37
Cash Income Tax Paid	4.85	2.86	1.06	48.99

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