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 2025	FY 2024	FY 2023	FY 2021	FY 2020
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	23.63	24.27	30.5	20.5	12.49
Depreciation & Amortization	4.85	4.9	4.92	4.64	3.95
Other Amortization	0.07	0.07	0.07	0.37	1.25
Gain (Loss) on Sale of Assets	0.01	0.08	0.13	0.01	0.09
Gain (Loss) on Sale of Investments	-	-0.01	0.19	-0.32	-0.27
Provision for Credit Losses	12.5	5.29	7.49	2.15	10.36
Accrued Interest Receivable	-0.25	0.44	-1.67	1.35	-2.49
Change in Other Net Operating Assets	-8.94	-4.6	-7.29	-10.08	0.19
Other Operating Activities	8.41	4.18	6.66	-0.06	3.46
Operating Cash Flow	40.41	37.09	41	18.53	29
Operating Cash Flow Growth	8.96%	-9.55%	121.22%	-36.09%	35.11%
Capital Expenditures	-6.2	-4.44	-4.08	-4.8	-4.12
Sale of Property, Plant and Equipment	0.01	0.08	0.02	0.01	0.01
Cash Acquisitions	-	-	-	-4.62	-
Investment in Securities	-9.51	56.6	70.02	-275.98	-127.24
Net Decrease (Increase) in Loans Originated / Sold - Investing	-90.45	-64.65	-181.51	106.7	-127.77
Other Investing Activities	-0.01	-0	1.79	0.68	0.79
Investing Cash Flow	-106.16	-12.42	-113.76	-178.02	-258.16
Long-Term Debt Issued	-	-	-	19.58	-
Long-Term Debt Repaid	-10	-	-	-	-
Net Debt Issued (Repaid)	-10	-	-	19.58	-
Issuance of Common Stock	-	-	-	0.35	0.31
Repurchase of Common Stock	-0.49	-	-	-	-
Preferred Share Repurchases	-	-9.8	-	-	-
Common Dividends Paid	-4.1	-3.65	-3.65	-3.89	-3.87
Preferred Dividends Paid	-	-0.64	-0.86	-0.52	-0.55
Total Dividends Paid	-4.1	-4.3	-4.51	-4.41	-4.42
Net Increase (Decrease) in Deposit Accounts	420.47	-9.95	-24.24	414.39	388.94
Other Financing Activities	-1.57	-1.55	-0.83	-0.65	-
Financing Cash Flow	404.31	-25.59	-29.59	429.26	384.82
Net Cash Flow	338.56	-0.93	-102.35	269.78	155.66
Free Cash Flow	34.21	32.65	36.93	13.73	24.88
Free Cash Flow Growth	4.79%	-11.59%	168.90%	-44.81%	53.30%
Free Cash Flow Margin	22.79%	21.42%	25.17%	12.91%	28.11%
Free Cash Flow Per Share	1879.56	1793.68	2028.85	706.45	1284.56
Cash Interest Paid	8.82	1.48	0.8	0.42	1.24
Cash Income Tax Paid	7.63	7.02	9.74	6.51	5

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