MainStreet 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	-9.98	26.59	26.67	22.17
Depreciation & Amortization	4.19	2.75	2.58	2.37
Other Amortization	0.45	-	-	-
Gain (Loss) on Sale of Assets	-0.1	-0.13	0	-0.02
Gain (Loss) on Sale of Investments	0.05	0.25	-0	-0.01
Total Asset Writedown	19.72	-	0.07	0.02
Provision for Credit Losses	6.76	1.64	2.4	-1.18
Accrued Interest Receivable	1.08	-2.8	-1.86	1.9
Change in Other Net Operating Assets	-4.94	1.71	2.57	3.16
Other Operating Activities	-5.32	-0.86	-1.57	-0.34
Operating Cash Flow	14.74	31.63	33.54	29.12
Operating Cash Flow Growth	-53.40%	-5.70%	15.18%	71.16%
Capital Expenditures	-0.91	-0.5	-1.13	-1.81
Sale of Property, Plant and Equipment	0.2	0.13	-	0.08
Investment in Securities	-3.58	-0.21	24.1	37.41
Purchase / Sale of Intangibles	-4.88	-5.51	-6.66	-2.49
Net Decrease (Increase) in Loans Originated / Sold - Investing	-112.9	-128.03	-240.76	-52.35
Other Investing Activities	-0.2	3.37	-5	-10.43
Investing Cash Flow	-122.28	-130.75	-228.74	-29.25
Short-Term Debt Issued	-	15	-	-
Long-Term Debt Issued	-	-	142.62	14.24
Total Debt Issued	-	15	142.62	14.24
Short-Term Debt Repaid	-15	-	-	-
Long-Term Debt Repaid	-	-100	-	-
Total Debt Repaid	-15	-100	-	-
Net Debt Issued (Repaid)	-15	-85	142.62	14.24
Repurchase of Common Stock	-0.73	-0.04	-6.92	-
Common Dividends Paid	-3.05	-3.01	-1.88	-
Preferred Dividends Paid	-2.16	-2.16	-2.16	-2.16
Total Dividends Paid	-5.2	-5.17	-4.04	-2.16
Net Increase (Decrease) in Deposit Accounts	221.67	173.24	100.93	-26.28
Financing Cash Flow	200.73	83.03	232.59	-14.2
Net Cash Flow	93.2	-16.09	37.4	-14.33
Free Cash Flow	13.83	31.14	32.42	27.32
Free Cash Flow Growth	-55.58%	-3.96%	18.67%	73.62%
Free Cash Flow Margin	23.42%	39.69%	44.46%	44.91%
Free Cash Flow Per Share	1.82	4.14	4.31	3.61
Cash Interest Paid	70.89	45.53	12.64	10.17
Cash Income Tax Paid	1.28	7.28	6.38	6.84

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