American Riviera Bancorp (ARBV)

American Riviera Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	8.74	10.51	13.49	11.83	7.38
Depreciation & Amortization	1.26	1.76	1.22	1.6	1.19
Gain (Loss) on Sale of Assets	-	0.07	0	-	-
Gain (Loss) on Sale of Investments	1.19	1.72	1.62	1.21	0.56
Total Asset Writedown	-	-	-	-0.05	0.07
Provision for Credit Losses	0.39	0.17	1.15	0.34	2.12
Accrued Interest Receivable	0.11	0.59	-6.31	-1.58	-1.11
Change in Other Net Operating Assets	-0.39	-0.28	-0.22	-0.23	-0.09
Operating Cash Flow	13.75	14.76	13.54	12.58	11.7
Operating Cash Flow Growth	-6.82%	8.99%	7.64%	7.56%	18.26%
Capital Expenditures	-0.57	-4.84	-0.61	-0.56	-0.37
Investment in Securities	31.02	60.62	126.61	-270.4	-109.27
Income (Loss) Equity Investments	0.01	-0.07	0.03	-0.06	0.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-43.2	-38.42	-112.72	-66.06	-149.58
Other Investing Activities	-0.09	-3	-2.01	-0.91	-1.18
Investing Cash Flow	-12.83	14.35	11.28	-337.94	-260.39
Long-Term Debt Issued	-	85	18	-	-
Total Debt Issued	-	85	18	-	-
Short-Term Debt Repaid	-	-	-	-	-5
Long-Term Debt Repaid	-61.5	-	-	-5	-
Total Debt Repaid	-61.5	-	-	-5	-5
Net Debt Issued (Repaid)	-61.5	85	18	-5	-5
Issuance of Common Stock	-	-	-	0.11	0.03
Repurchase of Common Stock	-0.52	-0.38	-0.34	-0.15	-0.15
Net Increase (Decrease) in Deposit Accounts	63.66	-113.85	-38.56	329.94	250.94
Financing Cash Flow	1.64	-29.22	-20.91	324.89	245.81
Net Cash Flow	2.57	-0.11	3.91	-0.46	-2.88
Free Cash Flow	13.19	9.92	12.94	12.02	11.33
Free Cash Flow Growth	32.94%	-23.32%	7.65%	6.06%	48.35%
Free Cash Flow Margin	29.64%	21.29%	26.38%	28.39%	33.92%
Free Cash Flow Per Share	2.27	1.72	2.28	2.13	2.04
Cash Interest Paid	18.44	10.86	1.64	1.11	3.62
Cash Income Tax Paid	1.32	2.78	3.63	4.89	3.48

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