BEO Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	16.19	16.49	14.21	8.58	6.92
Depreciation & Amortization	1.22	1.2	1.17	1.08	1.12
Gain (Loss) on Sale of Assets	0.04	0.02	0.05	0	0
Gain (Loss) on Sale of Investments	-0.6	-0.69	-0.61	-0.03	0.22
Provision for Credit Losses	-	0.7	-	-	0.84
Accrued Interest Receivable	-0.63	-1.5	-1.96	-1.78	0.31
Other Operating Activities	-0.51	-0.67	-0.92	-0.48	-0.61
Operating Cash Flow	15.36	14.25	13.9	8.7	9.02
Operating Cash Flow Growth	7.75%	2.55%	59.78%	-3.52%	11.27%
Capital Expenditures	-0.73	-1.97	-1.36	-0.54	-0.26
Investment in Securities	20.5	24.11	-41.2	-162.98	-28.68
Net Decrease (Increase) in Loans Originated / Sold - Investing	-32.41	-57.97	-32.66	-22.08	24.87
Other Investing Activities	0.03	0.02	0.43	-3.39	-0.23
Investing Cash Flow	-12.61	-35.8	-74.78	-188.99	-4.3
Long-Term Debt Issued	-	-	-	-	2.48
Long-Term Debt Repaid	-0.98	-3.72	-3.05	-	-
Net Debt Issued (Repaid)	-0.98	-3.72	-3.05	-	2.48
Issuance of Common Stock	1.36	1.34	0.98	-	0.15
Repurchase of Common Stock	-3.56	-0.41	-	-	-
Common Dividends Paid	-2.44	-1.55	-1.41	-1.2	-1.2
Net Increase (Decrease) in Deposit Accounts	76.83	-5.67	-42.64	65.61	145.63
Financing Cash Flow	71.21	-10.01	-46.12	64.41	147.06
Net Cash Flow	73.96	-31.55	-107	-115.88	151.78
Free Cash Flow	14.63	12.29	12.54	8.16	8.75
Free Cash Flow Growth	19.10%	-2.04%	53.77%	-6.80%	13.78%
Free Cash Flow Margin	27.34%	23.54%	26.16%	23.09%	27.84%
Free Cash Flow Per Share	11.93	9.85	9.98	6.26	6.72
Cash Interest Paid	5.77	4.81	2.99	1.56	1.28
Cash Income Tax Paid	5.88	6.4	4.04	2.87	2.54