First Internet Bancorp (FRA:45H)

First Internet Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	25.28	8.42	35.54	48.11
Depreciation & Amortization	8.46	5.75	8.73	8.78
Gain (Loss) on Sale of Assets	-0.03	-	-	-2.52
Gain (Loss) on Sale of Investments	4.77	-0.38	-2.57	1.51
Provision for Credit Losses	17.07	16.8	5.16	1.75
Net Decrease (Increase) in Loans Originated / Sold - Operating	-7.67	14.54	39.95	17.42
Change in Other Net Operating Assets	3.97	-8.32	7.68	7.18
Other Operating Activities	-7.34	-5.38	3.67	-0.37
Operating Cash Flow	12.99	11.68	82.72	54.84
Operating Cash Flow Growth	11.23%	-85.88%	50.84%	319.65%
Capital Expenditures	-2.59	-5.37	-17.52	-29.89
Sale of Property, Plant and Equipment	-	-	-	8.12
Investment in Securities	-137.59	-112.1	33.91	-107.44
Net Decrease (Increase) in Loans Originated / Sold - Investing	-343.77	-352.57	-612.4	168.66
Other Investing Activities	-12.85	-4.46	-6.21	4.43
Investing Cash Flow	-496.17	-474.5	-601.03	43.87
Long-Term Debt Issued	430	475	615	498.66
Long-Term Debt Repaid	-750	-475	-515	-475
Net Debt Issued (Repaid)	-320	-	100	23.66
Repurchase of Common Stock	-0.28	-9.34	-27.78	-4.44
Common Dividends Paid	-2.08	-2.16	-2.32	-2.42
Net Increase (Decrease) in Deposit Accounts	866.23	623.82	262.29	-91.93
Other Financing Activities	-0.18	-0.15	-0.29	-0.44
Financing Cash Flow	543.69	612.17	331.9	-75.56
Net Cash Flow	60.51	149.35	-186.41	23.15
Free Cash Flow	10.4	6.31	65.21	24.95
Free Cash Flow Growth	64.74%	-90.32%	161.37%	-
Free Cash Flow Margin	8.84%	7.48%	57.52%	21.08%
Free Cash Flow Per Share	1.19	0.71	6.80	2.50
Cash Interest Paid	205.86	163.6	58.92	46.75
Cash Income Tax Paid	0.68	0.94	2.01	7.05

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