Baker Boyer Bancorp (BBBK)

Baker Boyer Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	3.31	1.89	3.17	7.55	5.37
Depreciation & Amortization	1.05	1.12	1.22	1.21	1.25
Other Amortization	0.21	0.1	0.47	-	-
Gain (Loss) on Sale of Assets	0	-0.07	0.09	0	-
Gain (Loss) on Sale of Investments	1.46	1.59	2.32	3.24	2.78
Total Asset Writedown	-	-	0	-0.06	0.02
Provision for Credit Losses	0.24	0.8	-	-3.88	-
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-0	-0.02	-0.01	-0.06
Accrued Interest Receivable	-0.09	0.3	0.29	-0.46	-0.21
Other Operating Activities	0.48	-0.18	-0.71	0.41	-0.34
Operating Cash Flow	6.92	5.96	7.41	8.37	9.12
Operating Cash Flow Growth	16.19%	-19.57%	-11.48%	-8.24%	25.77%
Capital Expenditures	-0.46	-0.14	-0.4	-0.78	-1.41
Investment in Securities	17.6	81.55	80.22	37.5	-98.82
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1.8	-20.51	-22.03	-10.16	6.82
Other Investing Activities	0.13	0.42	0.42	-0.51	-0.15
Investing Cash Flow	15.47	61.71	59.12	26.06	-93.56
Long-Term Debt Issued	-	4.7	10.83	19.5	12.31
Long-Term Debt Repaid	-27.58	-15.3	-6.2	-13.94	-
Total Debt Repaid	-27.58	-15.3	-6.2	-13.94	-
Net Debt Issued (Repaid)	-27.58	-10.6	4.63	5.56	12.31
Repurchase of Common Stock	-0.02	-	-0.2	-	-
Common Dividends Paid	-2.63	-2.62	-3.44	-4.28	-4.25
Net Increase (Decrease) in Deposit Accounts	60.46	-33.11	-68.4	-36.19	77.27
Financing Cash Flow	30.24	-46.33	-67.41	-34.91	85.33
Net Cash Flow	52.63	21.35	-0.89	-0.48	0.89
Free Cash Flow	6.46	5.82	7.01	7.59	7.72
Free Cash Flow Growth	11.03%	-16.93%	-7.67%	-1.62%	432.14%
Free Cash Flow Margin	17.98%	17.78%	20.28%	19.42%	22.14%
Free Cash Flow Per Share	4.95	4.46	5.41	5.86	5.99
Cash Interest Paid	5.84	6.23	3.65	0.3	0.23
Cash Income Tax Paid	1.23	0.32	0.6	0.88	0.7

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