Investar Holding 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	20.25	16.68	35.71	8
Depreciation & Amortization	3.1	3.78	4.44	4.99
Other Amortization	0.08	0.1	0.07	0.09
Gain (Loss) on Sale of Assets	-0.88	1.44	0.25	0.41
Gain (Loss) on Sale of Investments	0.28	0.33	1.06	0.95
Total Asset Writedown	-0.03	-0.27	-0.1	-1.56
Provision for Credit Losses	-3.48	-2	2.92	22.89
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	0.66	-0.42
Accrued Interest Receivable	-0.06	-0.52	-1.39	2.45
Change in Income Taxes	-0.95	1.45	0.7	-1.04
Change in Other Net Operating Assets	0.38	5.77	-1.73	-3.09
Other Operating Activities	-4.71	-2.41	-1.89	-1.73
Operating Cash Flow	15.93	26.25	42.75	33.48
Operating Cash Flow Growth	-39.32%	-38.60%	27.68%	88.64%
Capital Expenditures	-0.51	-1.07	-1.06	-3.32
Sale of Property, Plant and Equipment	1.34	0.04	4.69	0.19
Cash Acquisitions	-	-	-	8.11
Investment in Securities	-0.4	48.22	-130.64	-30.96
Divestitures	-	-0.6	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	83.28	-121.84	-225.09	86.97
Other Investing Activities	6.34	1.76	1.11	-7.6
Investing Cash Flow	90.07	-73.49	-350.99	53.4
Short-Term Debt Issued	7.22	221.13	333.5	0.13
Long-Term Debt Issued	60	-	19.55	-
Total Debt Issued	67.22	221.13	353.05	0.13
Short-Term Debt Repaid	-212.76	-333.5	-5.78	-42
Long-Term Debt Repaid	-50.89	-30	-43.6	-
Total Debt Repaid	-263.65	-363.5	-49.38	-42
Net Debt Issued (Repaid)	-196.43	-142.37	303.67	-41.87
Issuance of Common Stock	0.34	0.11	0.13	0.73
Repurchase of Common Stock	-0.31	-3.03	-10.54	-6.93
Common Dividends Paid	-3.97	-3.84	-3.55	-3.09
Net Increase (Decrease) in Deposit Accounts	90.29	188.13	-38.25	25.95
Financing Cash Flow	-110.08	38.99	251.46	-25.21
Net Cash Flow	-4.09	-8.25	-56.78	61.67
Free Cash Flow	15.42	25.18	41.69	30.16
Free Cash Flow Growth	-38.75%	-39.62%	38.22%	196.91%
Free Cash Flow Margin	17.87%	30.31%	40.15%	41.34%
Free Cash Flow Per Share	1.55	2.56	4.09	2.87
Cash Interest Paid	74.46	56.77	14.41	11.82
Cash Income Tax Paid	3.1	2.9	8.89	4.21

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