Bancorp 34 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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	1.69	-3.4	1.33	4.64
Depreciation & Amortization	2.39	0.58	0.49	0.57
Other Amortization	0.06	-	-	-
Gain (Loss) on Sale of Assets	0.43	-	0.03	-
Gain (Loss) on Sale of Investments	0.12	0.27	0.35	0.18
Total Asset Writedown	-	-	-	0.04
Provision for Credit Losses	3.83	4.22	2.42	0.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.74	1.37	5	2.64
Accrued Interest Receivable	0.56	-0.09	-0.15	0.3
Change in Other Net Operating Assets	1.58	0.85	-0.12	-1.58
Other Operating Activities	-10.36	-0.67	-0.14	-0.81
Operating Cash Flow	2.97	0.91	9.76	7.19
Operating Cash Flow Growth	226.81%	-90.68%	35.83%	136.90%
Capital Expenditures	-0.5	-0.23	-0.68	-0.21
Sale of Property, Plant and Equipment	-	0.44	0.08	0.03
Cash Acquisitions	30.93	-	-	-
Investment in Securities	31.94	0.63	-0.53	-21.38
Net Decrease (Increase) in Loans Originated / Sold - Investing	95.04	-0.38	-55.71	-64.45
Other Investing Activities	2.72	-	-	-
Investing Cash Flow	160.13	0.46	-56.84	-86.01
Long-Term Debt Issued	59.66	442.4	712.5	100.45
Long-Term Debt Repaid	-123.66	-418.4	-726.5	-76
Net Debt Issued (Repaid)	-64	24	-14	24.45
Issuance of Common Stock	-	10.87	6.21	-
Repurchase of Common Stock	-	-0.21	-0.08	-8.5
Preferred Stock Issued	-	4.18	7.31	-
Common Dividends Paid	-	-0.66	-0.7	-0.58
Net Increase (Decrease) in Deposit Accounts	-14.41	-27.6	49.78	67.03
Other Financing Activities	-	-	-	-0.07
Financing Cash Flow	-78.41	10.58	48.52	82.34
Net Cash Flow	84.7	11.95	1.45	3.52
Free Cash Flow	2.47	0.68	9.08	6.98
Free Cash Flow Growth	261.70%	-92.46%	30.06%	136.06%
Free Cash Flow Margin	9.51%	5.85%	54.77%	35.77%
Free Cash Flow Per Share	0.37	0.17	3.83	2.56
Cash Interest Paid	20.43	8.87	5.18	2.23
Cash Income Tax Paid	-1.01	0.12	1	1.99

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