BCB Bancorp 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	18.62	29.48	45.58	34.24
Depreciation & Amortization	1.71	2.11	2.3	3.05
Gain (Loss) on Sale of Assets	-0	-0.08	-	-0.38
Gain (Loss) on Sale of Investments	-0.38	3.36	6.27	-0.15
Provision for Credit Losses	11.57	6.1	-3.08	3.86
Net Decrease (Increase) in Loans Originated / Sold - Operating	35.22	-0.59	0.42	3.25
Accrued Interest Receivable	0.9	-2.62	-4.27	3.74
Change in Other Net Operating Assets	-4.22	-0.67	-6.69	0.69
Other Operating Activities	-1.21	-5.2	-2.66	-1.8
Operating Cash Flow	67.73	35.16	40.89	45.89
Operating Cash Flow Growth	92.64%	-14.02%	-10.90%	-67.06%
Capital Expenditures	-1.23	-4.53	-0.52	-0.33
Sale of Property, Plant and Equipment	0	-	-	0.74
Investment in Securities	-11.46	7.48	-16.13	6.46
Net Decrease (Increase) in Loans Originated / Sold - Investing	234.8	-231.62	-734.32	-11.71
Other Investing Activities	0.65	-4.8	-10.53	-3.26
Investing Cash Flow	222.77	-233.32	-761.5	-7.67
Short-Term Debt Issued	-	-	160	-
Long-Term Debt Issued	38.75	400	150	10
Total Debt Issued	38.75	400	310	10
Short-Term Debt Repaid	-	-160	-	-
Long-Term Debt Repaid	-51.5	-150	-	-130
Total Debt Repaid	-51.5	-310	-	-130
Net Debt Issued (Repaid)	-12.75	90	310	-120
Issuance of Common Stock	0.82	1.77	0.64	0.77
Repurchase of Common Stock	-	-3.82	-3.41	-4.21
Preferred Stock Issued	9.69	15.27	6.81	3.2
Preferred Share Repurchases	-10.01	-11.23	-14.73	-
Common Dividends Paid	-10.44	-10.44	-10.38	-9.78
Preferred Dividends Paid	-1.83	-0.7	-0.8	-1.16
Total Dividends Paid	-12.28	-11.14	-11.18	-10.94
Net Increase (Decrease) in Deposit Accounts	-228.22	167.47	250.21	243.35
Financing Cash Flow	-252.74	248.33	538.34	112.18
Net Cash Flow	37.76	50.16	-182.27	150.4
Free Cash Flow	66.5	30.63	40.37	45.57
Free Cash Flow Growth	117.11%	-24.13%	-11.40%	-66.97%
Free Cash Flow Margin	79.75%	30.02%	34.03%	44.57%
Free Cash Flow Per Share	3.91	1.81	2.33	2.64
Cash Interest Paid	102.57	81.59	15.48	15.59
Cash Income Tax Paid	6.88	18.03	18.8	12.02

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