MetroCity Bankshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	66.63	64.5	51.61	62.6	61.7	36.39
Depreciation & Amortization	3.41	2.96	2.69	3.88	2.81	8.35
Gain (Loss) on Sale of Assets	-0.07	0.44	-0.31	0.02	0.11	0.04
Gain (Loss) on Sale of Investments	-0.04	0.04	-0.04	1.09	0.11	-
Provision for Credit Losses	-0.08	0.52	-0.02	-2.77	6.93	3.47
Net Decrease (Increase) in Loans Originated / Sold - Operating	11.55	2.95	3.3	99	10.95	94.79
Accrued Interest Receivable	-1.25	-0.73	-1.95	-2.12	-0.38	-5.57
Change in Other Net Operating Assets	-16.6	-4.65	25.29	-24.42	-4.18	20.3
Other Operating Activities	0.35	0.35	1.01	-2.96	-3.07	-7.37
Operating Cash Flow	62.11	63.5	82.1	134.69	65.43	142.56
Operating Cash Flow Growth	72.88%	-22.65%	-39.05%	105.85%	-54.10%	342.74%
Capital Expenditures	-0.86	-1.29	-4.93	-2.35	-0.38	-0.54
Investment in Securities	-5.65	0.64	1.27	2.89	-19.39	12.79
Net Decrease (Increase) in Loans Originated / Sold - Investing	-115.42	7.66	-110.36	-646.6	-875.71	-474.28
Other Investing Activities	0.42	-1.14	3.76	-5.75	-35.07	-15.85
Investing Cash Flow	-121.5	5.87	-110.27	-651.82	-930.55	-477.86
Long-Term Debt Issued	-	450	425	525	640	70
Long-Term Debt Repaid	-	-400	-475.39	-650.07	-250.02	-22.65
Net Debt Issued (Repaid)	50	50	-50.39	-125.07	389.98	47.35
Issuance of Common Stock	0.9	0.9	-	-	-	-
Repurchase of Common Stock	-0.03	-0.01	-2.02	-8.2	-5.54	-
Common Dividends Paid	-24.39	-21.05	-18.2	-15.29	-11.79	-10.29
Net Increase (Decrease) in Deposit Accounts	-30.04	5.86	64.1	403.82	783.13	172.51
Financing Cash Flow	-4.67	35.7	-6.51	255.27	1,156	209.58
Net Cash Flow	-64.06	105.07	-34.68	-261.86	290.65	-125.73
Free Cash Flow	61.25	62.22	77.17	132.34	65.05	142.02
Free Cash Flow Growth	79.59%	-19.38%	-41.69%	103.45%	-54.20%	356.64%
Free Cash Flow Margin	41.57%	44.22%	64.47%	94.30%	49.86%	158.04%
Free Cash Flow Per Share	2.38	2.43	3.02	5.15	2.52	5.50
Cash Interest Paid	88.63	95.4	89.59	25.07	4.59	12.16
Cash Income Tax Paid	23.61	21.5	17.97	34.31	23.51	14.77

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