American Business Bank (AMBZ)

American Business Bank Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	43.28	43.97	48.56	39.16
Depreciation & Amortization	3.07	3.17	3.3	3.17
Gain (Loss) on Sale of Investments	8.29	9.46	11.88	14.42
Provision for Credit Losses	0.98	3.4	4.51	1.95
Accrued Interest Receivable	0.27	-1.92	-1.01	1.41
Other Operating Activities	-1.55	-2.25	-2.01	-3.66
Operating Cash Flow	57.87	57.72	65.33	59.89
Operating Cash Flow Growth	0.26%	-11.66%	9.08%	27.37%
Capital Expenditures	-1.84	-0.54	-0.8	-0.5
Investment in Securities	82.06	89.1	153.24	-484.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-170.78	-139.78	-362.36	-16.69
Other Investing Activities	-	-	-2.43	-0.91
Investing Cash Flow	-90.56	-51.23	-212.35	-503.05
Short-Term Debt Issued	-	1,140	161.5	-
Total Debt Issued	-	1,140	161.5	-
Short-Term Debt Repaid	-55	-1,247	-	-
Total Debt Repaid	-55	-1,247	-	-
Net Debt Issued (Repaid)	-55	-106.5	161.5	-
Issuance of Common Stock	-	0.43	1.03	0.51
Repurchase of Common Stock	-0.44	-0.46	-0.46	-0.27
Net Increase (Decrease) in Deposit Accounts	146.59	106.62	-207.35	425.74
Financing Cash Flow	91.15	0.09	-45.28	425.97
Net Cash Flow	58.46	6.58	-192.3	-17.18
Free Cash Flow	56.03	57.17	64.53	59.4
Free Cash Flow Growth	-1.99%	-11.41%	8.65%	28.21%
Free Cash Flow Margin	42.77%	44.89%	50.71%	53.21%
Free Cash Flow Per Share	6.01	6.19	7.02	6.56
Cash Interest Paid	51.33	35.12	2.61	1.82
Cash Income Tax Paid	17.8	19.41	21.5	14.07

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.