American Bank Incorporated (AMBK)

American Bank Cash Flow Statement

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

Operating Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	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%

Investing Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2016
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

Financing Activities

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2016
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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2016
Net Cash Flow	29.68	23.04	-102.63	70.08	-38.87

Free Cash Flow

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2016
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

Additional Metrics

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2016
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2016
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

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2017

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 6, 2026

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