OP Bancorp 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	21.07	23.92	33.31	28.84
Depreciation & Amortization	5.11	5.75	5.75	4.85
Gain (Loss) on Sale of Investments	1.79	1.51	1.76	1.51
Provision for Credit Losses	2.76	1.65	2.98	0.52
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.47	44.14	54.02	-59.37
Accrued Interest Receivable	-0.93	-1.08	-2.4	0.24
Change in Other Net Operating Assets	7.05	-11.37	-3.4	8.91
Other Operating Activities	-0.68	-0.62	-0.48	-0.26
Operating Cash Flow	31.34	67.84	83.73	-28.28
Operating Cash Flow Growth	-53.80%	-18.98%	-	-
Capital Expenditures	-1.56	-2.18	-1.41	-1.13
Investment in Securities	4.21	15.79	-84.76	-63.26
Net Decrease (Increase) in Loans Originated / Sold - Investing	-189.98	-85.54	-364.13	-220.7
Other Investing Activities	-0.09	-4.05	-11.48	-0.96
Investing Cash Flow	-187.42	-75.97	-461.78	-286.04
Long-Term Debt Issued	20	105	-	-
Total Debt Issued	20	105	-	-
Long-Term Debt Repaid	-30	-	-	-5
Total Debt Repaid	-30	-	-	-5
Net Debt Issued (Repaid)	-10	105	-	-5
Issuance of Common Stock	0.16	0.89	0.61	0.09
Repurchase of Common Stock	-2.94	-4.03	-0.08	-0.46
Common Dividends Paid	-7.14	-7.27	-6.68	-5.13
Net Increase (Decrease) in Deposit Accounts	219.73	-78.21	351.71	333.98
Financing Cash Flow	199.8	16.37	345.56	323.47
Net Cash Flow	43.73	8.24	-32.49	9.15
Free Cash Flow	29.78	65.66	82.32	-29.4
Free Cash Flow Growth	-54.64%	-20.24%	-	-
Free Cash Flow Margin	37.57%	80.84%	89.92%	-38.42%
Free Cash Flow Per Share	2.00	4.33	5.41	-1.94
Cash Interest Paid	68.57	43.12	9.09	3.6
Cash Income Tax Paid	8.26	8.39	14.49	10.78

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