Affinity 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	5.44	6.45	7.13	7.57
Depreciation & Amortization	0.74	0.74	0.34	0.67
Gain (Loss) on Sale of Assets	-0.14	-	0.11	-0.13
Gain (Loss) on Sale of Investments	0.39	-	-	-
Total Asset Writedown	-	0.05	-	1.18
Provision for Credit Losses	0.44	-0.04	0.7	1.08
Accrued Interest Receivable	0.73	-0.53	-0.72	2.76
Other Operating Activities	-0.24	0.04	-0.07	-0.59
Operating Cash Flow	6.79	7.87	7.57	11.85
Operating Cash Flow Growth	-13.73%	4.00%	-36.13%	764.41%
Capital Expenditures	-0.42	-0.53	-1.39	-0.83
Investment in Securities	18.93	-13.79	-31.37	-26.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-54.73	-13.82	-61.49	15.79
Other Investing Activities	-	-	-	0.3
Investing Cash Flow	-33.25	-28.14	-93.72	-9.62
Short-Term Debt Issued	11.87	0.03	0.03	-
Long-Term Debt Issued	24	85	105	35
Total Debt Issued	35.87	85.03	105.03	35
Short-Term Debt Repaid	-7.05	-0.05	-	-
Long-Term Debt Repaid	-10	-55	-143	-110.81
Total Debt Repaid	-17.05	-55.05	-143	-110.81
Net Debt Issued (Repaid)	18.82	29.98	-37.98	-75.81
Issuance of Common Stock	-	-	-	37.11
Repurchase of Common Stock	-	-3.28	-5.71	-
Net Increase (Decrease) in Deposit Accounts	-0.96	17.27	44.39	-25.34
Other Financing Activities	-	-	-	-4.66
Financing Cash Flow	17.85	43.97	0.7	-68.71
Net Cash Flow	-8.6	23.7	-85.45	-66.48
Free Cash Flow	6.37	7.35	6.18	11.02
Free Cash Flow Growth	-13.29%	18.95%	-43.97%	1097.93%
Free Cash Flow Margin	20.81%	24.73%	19.63%	35.69%
Free Cash Flow Per Share	0.97	1.12	0.91	1.58
Cash Interest Paid	18.91	14.49	3.1	3.39
Cash Income Tax Paid	2.16	2.09	2.15	2.52

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