Bank7 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	45.7	28.28	29.64	23.16
Depreciation & Amortization	1.06	1.3	1.41	1.03
Gain (Loss) on Sale of Assets	-0.12	-0.08	-0.02	-0
Gain (Loss) on Sale of Investments	-0.76	0.4	0.94	0.03
Provision for Credit Losses	-	21.15	4.47	4.18
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.09	-0.39	0.95	0.3
Accrued Interest Receivable	5.28	-2.54	-1.87	0.91
Other Operating Activities	-0.14	-1.26	-1.42	0.24
Operating Cash Flow	55.05	49.13	39.71	30.13
Operating Cash Flow Growth	12.05%	23.70%	31.80%	19.41%
Capital Expenditures	-4.2	-2.83	-0.29	-0.6
Sale of Property, Plant and Equipment	0.22	0.08	3.37	0.02
Cash Acquisitions	-	-16.48	-	20.43
Investment in Securities	122.78	-4.86	-103.74	14.61
Net Decrease (Increase) in Loans Originated / Sold - Investing	-38.64	-106.76	-242.11	-77.95
Investing Cash Flow	80.16	-130.86	-342.77	-43.49
Issuance of Common Stock	2.59	0.5	0.31	0
Repurchase of Common Stock	-0.67	-0.51	-0.45	-0.18
Common Dividends Paid	-8.06	-6.32	-4.37	-3.98
Net Increase (Decrease) in Deposit Accounts	-75.92	159.99	211.83	68.47
Financing Cash Flow	-82.05	153.66	207.32	64.31
Net Cash Flow	53.15	71.93	-95.74	50.95
Free Cash Flow	50.85	46.29	39.42	29.53
Free Cash Flow Growth	9.85%	17.43%	33.47%	19.10%
Free Cash Flow Margin	52.18%	65.53%	58.06%	57.56%
Free Cash Flow Per Share	5.38	5.00	4.28	3.25
Cash Interest Paid	45.57	37.94	9.1	3.22
Cash Income Tax Paid	15.06	10.8	9.98	7.51

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