American Bank 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	FY 2016
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '16 Dec 31, 2016
Net Income	9.02	9.31	10.12	10.1	4.44
Depreciation & Amortization	0.54	0.54	0.44	0.42	0.2
Other Amortization	-	-	-	-	0.06
Gain (Loss) on Sale of Assets	-0.24	-	-	-	0.16
Gain (Loss) on Sale of Investments	-0.33	-0.83	-0.49	0.24	0.13
Provision for Credit Losses	0.21	-0.16	0.39	0.52	0.95
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.01	0.02	1.04	1.23	-0.64
Accrued Interest Receivable	-0.75	-0.93	-	0.45	-0.3
Change in Other Net Operating Assets	-	-	8.49	-	-
Other Operating Activities	-0.74	-0.64	-0.68	-3.12	-0.39
Operating Cash Flow	8.96	6.25	19.24	9.07	4.68
Operating Cash Flow Growth	43.48%	-67.53%	112.19%	93.64%	5.54%
Capital Expenditures	-0.26	-0.88	-0.51	-0.19	-0.11
Investment in Securities	32.62	112.33	-127.96	-23.47	-0.78
Income (Loss) Equity Investments	-	-	-	-0.2	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-67.42	-76.83	-47.27	-17.43	-46.52
Other Investing Activities	-0.91	2.7	-2.91	-3.41	1.54
Investing Cash Flow	-35.97	37.32	-178.65	-44.49	-45.87
Short-Term Debt Issued	-	-	64.3	-	-
Long-Term Debt Issued	45.63	-	-	-	-
Total Debt Issued	45.63	-	64.3	-	-
Short-Term Debt Repaid	-51.68	-40.09	-	-0.4	-0.55
Long-Term Debt Repaid	-25.28	-10.12	-13.35	-3.96	-0.04
Total Debt Repaid	-76.96	-50.21	-13.35	-4.35	-0.59
Net Debt Issued (Repaid)	-31.33	-50.21	50.96	-4.35	-0.59
Issuance of Common Stock	-	0.02	0.04	-	0.05
Repurchase of Common Stock	-0.55	-0.31	-0.39	-0.68	-0.1
Common Dividends Paid	-3.54	-4.18	-3.7	-3.12	-1.93
Net Increase (Decrease) in Deposit Accounts	91.84	34.06	6.6	109.94	4.89
Other Financing Activities	0.26	0.07	3.29	3.71	-
Financing Cash Flow	56.68	-20.53	56.78	105.5	2.32
Net Cash Flow	29.68	23.04	-102.63	70.08	-38.87
Free Cash Flow	8.71	5.37	18.73	8.88	4.57
Free Cash Flow Growth	62.24%	-71.35%	110.89%	94.16%	10.62%
Free Cash Flow Margin	34.11%	21.59%	75.09%	37.70%	30.32%
Free Cash Flow Per Share	1.32	0.81	2.86	1.42	0.67
Cash Interest Paid	23.8	15.17	6.49	5.72	5.14
Cash Income Tax Paid	2.15	2.4	2.59	2.9	2.29

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