Bank of South Carolina 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	7.91	6.75	5.49	6.66	6.74
Depreciation & Amortization	0.56	0.64	0.37	0.36	0.41
Gain (Loss) on Sale of Investments	-	0.1	0.78	0.8	0.33
Provision for Credit Losses	0.51	0.08	0.05	-0.08	0.12
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.78	-2.43	-0.88	1.91	10.19
Accrued Interest Receivable	-0.35	0.36	0.13	-0.49	0.13
Other Operating Activities	0.21	-0.05	0.07	-0.17	-0.05
Operating Cash Flow	15.81	5.35	4.92	9.47	17.46
Operating Cash Flow Growth	195.68%	8.73%	-48.10%	-45.75%	5880.97%
Capital Expenditures	-0.42	-0.14	-0.47	-0.56	-0.14
Investment in Securities	19.75	87.17	37.43	-82.76	-82.67
Net Decrease (Increase) in Loans Originated / Sold - Investing	3.01	-17.22	-16.02	-24.36	14.24
Other Investing Activities	-1.64	-	-	-	-
Investing Cash Flow	20.69	69.81	20.94	-107.68	-68.57
Short-Term Debt Issued	-	-	46	-	-
Total Debt Issued	-	-	46	-	-
Short-Term Debt Repaid	-	-46	-	-	-
Total Debt Repaid	-	-46	-	-	-
Net Debt Issued (Repaid)	-	-46	46	-	-
Issuance of Common Stock	0.04	-	-	0.16	0.21
Repurchase of Common Stock	-0.55	-0.46	-0.98	-	-
Common Dividends Paid	-4.45	-3.82	-3.76	-3.77	-4.31
Net Increase (Decrease) in Deposit Accounts	8.78	-35.79	-72.97	-10.52	146.99
Financing Cash Flow	3.83	-86.07	-31.71	-14.13	142.89
Net Cash Flow	40.33	-10.91	-5.86	-112.34	91.79
Free Cash Flow	15.39	5.2	4.45	8.91	17.32
Free Cash Flow Growth	195.61%	17.03%	-50.08%	-48.57%	15960.77%
Free Cash Flow Margin	62.50%	23.29%	21.97%	42.35%	81.99%
Free Cash Flow Per Share	2.74	0.94	0.79	1.58	3.05
Cash Interest Paid	4.8	6.09	5.63	0.28	0.18
Cash Income Tax Paid	1.82	1.95	1.67	1.58	2.85