BNCCORP Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	8.84	7.93	5.71	6.5	21.96	44.61
Depreciation & Amortization	1.45	1.43	1.66	2.02	2.06	1.4
Gain (Loss) on Sale of Assets	0.03	0.03	0.14	-0.51	0.06	0.01
Gain (Loss) on Sale of Investments	1.37	1.38	1.92	4.29	13.73	-6.86
Provision for Credit Losses	0.77	0.64	0.82	-0.15	-0.35	2.67
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	37.82	42.6	168.11	-94.65
Accrued Interest Receivable	-1.23	-0.89	-0.47	1.29	0.39	1.52
Change in Other Net Operating Assets	0.4	-1.36	-1.21	-1.53	-4.76	2.73
Operating Cash Flow	11.69	9.36	46.61	56.82	208.68	-55.22
Operating Cash Flow Growth	19.60%	-79.91%	-17.97%	-72.77%	-	-
Capital Expenditures	-0.54	-1.05	-0.53	-0.52	-0.86	-0.39
Sale of Property, Plant and Equipment	-	-	0.1	0.01	-	0
Investment in Securities	17.35	29.68	16.5	10.74	-33.97	85.08
Net Decrease (Increase) in Loans Originated / Sold - Investing	-50.51	-30.6	-52.51	-87.78	34.68	-75.34
Other Investing Activities	0	-0.02	0.69	0.03	1.11	-0.55
Investing Cash Flow	-33.7	-1.99	-35.74	-77.53	0.96	8.81
Short-Term Debt Issued	-	-	41	-	-	1.82
Long-Term Debt Issued	-	-	-	42.91	12.01	306.4
Total Debt Issued	0.1	-	41	42.91	12.01	308.22
Short-Term Debt Repaid	-	-	-41	-	-6.39	-
Long-Term Debt Repaid	-	-	-	-42.91	-42.91	-292.5
Total Debt Repaid	-0.1	-	-41	-42.91	-49.3	-292.5
Net Debt Issued (Repaid)	-	-	-	-	-37.29	15.72
Repurchase of Common Stock	-	-1.16	-	-	-	-
Common Dividends Paid	-	-	-	-6.3	-50.25	-
Total Dividends Paid	-	-	-	-6.3	-50.25	-
Net Increase (Decrease) in Deposit Accounts	82.71	0.3	17.62	-87.08	53.51	32.61
Other Financing Activities	-	-	-	-	-	0
Financing Cash Flow	68.41	-9.01	17.62	-93.39	-34.02	48.33
Net Cash Flow	46.4	-1.64	28.49	-114.09	175.62	1.92
Free Cash Flow	11.15	8.31	46.08	56.31	207.82	-55.61
Free Cash Flow Growth	27.33%	-81.97%	-18.16%	-72.91%	-	-
Free Cash Flow Margin	29.38%	22.90%	111.42%	112.12%	272.38%	-48.11%
Free Cash Flow Per Share	3.15	2.34	12.87	15.75	58.23	-15.60
Cash Interest Paid	16.31	15.09	10.34	2.57	2.47	5.36
Cash Income Tax Paid	2.46	2.55	1.46	-0.02	7.81	14.58

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.