Columbia Financial 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	-11.65	36.09	86.17	92.05
Depreciation & Amortization	14.56	14.27	13.35	11.64
Other Amortization	4.44	5.61	6.06	2.12
Gain (Loss) on Sale of Assets	0.45	0.17	0.24	0.1
Gain (Loss) on Sale of Investments	32.44	11.59	2.96	1.99
Provision for Credit Losses	14.45	4.79	5.49	-9.95
Accrued Interest Receivable	-1.04	-5.45	-4.69	2.02
Change in Other Net Operating Assets	-19.86	-30.76	15.08	-20.23
Other Operating Activities	-9.86	-6.45	5.38	14.57
Operating Cash Flow	33.32	40.72	142.16	98.7
Operating Cash Flow Growth	-18.16%	-71.36%	44.02%	101.26%
Capital Expenditures	-7.45	-7.64	-7.2	-5.49
Sale of Property, Plant and Equipment	1.22	-	1.77	1.88
Cash Acquisitions	-	-	140.77	20.42
Investment in Securities	82.63	273.48	269.4	-374.8
Net Decrease (Increase) in Loans Originated / Sold - Investing	-57.58	-204.66	-986.43	-109.26
Other Investing Activities	20.64	-21.54	-33.04	23.66
Investing Cash Flow	39.47	39.65	-614.73	-443.61
Short-Term Debt Issued	-	-	446.81	-
Long-Term Debt Issued	271.21	536.11	335.89	66.96
Total Debt Issued	271.21	536.11	782.7	66.96
Short-Term Debt Repaid	-237.83	-93.17	-	-244.03
Long-Term Debt Repaid	-484.92	-41.6	-38.73	-306.75
Total Debt Repaid	-722.75	-134.77	-38.73	-550.78
Net Debt Issued (Repaid)	-451.54	401.35	743.98	-483.82
Issuance of Common Stock	-	0.01	-	-
Repurchase of Common Stock	-6.71	-81.12	-98.61	-108.13
Net Increase (Decrease) in Deposit Accounts	249.59	-154.6	-71.79	581.48
Other Financing Activities	1.85	-1.98	7.26	3.38
Financing Cash Flow	-206.82	163.66	580.83	-7.09
Net Cash Flow	-134.03	244.02	108.27	-351.99
Free Cash Flow	25.87	33.08	134.95	93.21
Free Cash Flow Growth	-21.78%	-75.49%	44.78%	109.84%
Free Cash Flow Margin	15.64%	14.48%	46.27%	33.06%
Free Cash Flow Per Share	0.25	0.32	1.27	0.90
Cash Interest Paid	274.38	183.57	41.08	37.91
Cash Income Tax Paid	0.94	9.25	15.73	16.26

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