BankGuam Holding Company 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 2021	FY 2020	FY 2019
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Net Income	24.27	30.5	20.5	12.49	16.15
Depreciation & Amortization	4.9	4.92	4.64	3.95	3.91
Other Amortization	0.02	-0	0.37	1.25	0.56
Gain (Loss) on Sale of Assets	0.08	0.13	0.01	0.09	0.06
Gain (Loss) on Sale of Investments	-0.01	0.19	-0.32	-0.27	-0.35
Provision for Credit Losses	5.29	7.49	2.15	10.36	9.79
Accrued Interest Receivable	0.44	-1.67	1.35	-2.49	0.64
Change in Other Net Operating Assets	-4.6	-7.29	-10.08	0.19	-12.03
Other Operating Activities	4.24	6.74	-0.06	3.46	2.75
Operating Cash Flow	37.09	41	18.53	29	21.46
Operating Cash Flow Growth	-9.55%	121.22%	-36.09%	35.11%	-44.90%
Capital Expenditures	-4.44	-4.08	-4.8	-4.12	-5.23
Sale of Property, Plant and Equipment	0.08	0.02	0.01	0.01	0.04
Cash Acquisitions	-	-	-4.62	-	-
Investment in Securities	56.6	70.02	-275.98	-127.24	20.22
Net Decrease (Increase) in Loans Originated / Sold - Investing	-64.65	-181.51	106.7	-127.77	-72.92
Other Investing Activities	-0	1.79	0.68	0.79	0.71
Investing Cash Flow	-12.42	-113.76	-178.02	-258.16	-56.79
Long-Term Debt Issued	-	-	19.58	-	15
Net Debt Issued (Repaid)	-	-	19.58	-	15
Issuance of Common Stock	-	-	0.35	0.31	0.27
Preferred Share Repurchases	-9.8	-	-	-	-
Common Dividends Paid	-3.65	-3.65	-3.89	-3.87	-3.86
Preferred Dividends Paid	-0.64	-0.86	-0.52	-0.55	-0.55
Total Dividends Paid	-4.3	-4.51	-4.41	-4.42	-4.41
Net Increase (Decrease) in Deposit Accounts	-9.95	-24.24	414.39	388.94	1.08
Other Financing Activities	-1.55	-0.83	-0.65	-	-
Financing Cash Flow	-25.59	-29.59	429.26	384.82	11.94
Net Cash Flow	-0.93	-102.35	269.78	155.66	-23.38
Free Cash Flow	32.65	36.93	13.73	24.88	16.23
Free Cash Flow Growth	-11.59%	168.90%	-44.81%	53.30%	-53.19%
Free Cash Flow Margin	21.42%	25.17%	12.91%	28.11%	16.51%
Free Cash Flow Per Share	1793.68	2028.85	706.45	1284.56	840.38
Cash Interest Paid	1.48	0.8	0.42	1.24	1.89
Cash Income Tax Paid	7.02	9.74	6.51	5	5.07

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