Bank of Idaho Holding Company (BOID)

BOID Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	13.63	8.51	6.04	6.01	3.26
Depreciation & Amortization	2.05	1.97	1.82	1.38	1.41
Gain (Loss) on Sale of Assets	-0.2	-	0.11	-0.05	-0.06
Gain (Loss) on Sale of Investments	-0.17	-0.2	0.54	0.6	0.15
Provision for Credit Losses	2.89	3.73	0.15	0.47	2.6
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.27	-0.25	15.44	22.65	-10.85
Accrued Interest Receivable	-0.94	-1.33	-1.48	-0.06	-1.01
Change in Accounts Payable	6.09	0.36	5.55	-0.48	1.2
Change in Other Net Operating Assets	-1.73	-0.67	-3.61	-1.19	-0.32
Other Operating Activities	-1.27	-1.12	-1.97	-3.81	-3.06
Operating Cash Flow	23.41	11.81	21.53	18.99	-12.24
Operating Cash Flow Growth	98.17%	-45.15%	13.42%	-	-
Capital Expenditures	-1.08	-1.86	-3	-0.28	-0.79
Cash Acquisitions	-	-	137.61	-	-
Investment in Securities	-1.99	21.96	-74.24	-45.79	-16.48
Net Decrease (Increase) in Loans Originated / Sold - Investing	-149.22	-183.5	-198.4	-32.8	-134.01
Other Investing Activities	0.23	-1.4	-0.2	0.41	-0.26
Investing Cash Flow	-152.06	-164.79	-138.22	-78.46	-148.55
Long-Term Debt Issued	-	37.65	0.05	14.65	15.69
Long-Term Debt Repaid	-3.46	-0.92	-0.98	-17.64	-0.67
Net Debt Issued (Repaid)	-3.46	36.73	-0.93	-2.99	15.01
Issuance of Common Stock	0.52	0.04	52.07	0.38	0.32
Repurchase of Common Stock	-0.35	-0.15	-	-	-
Net Increase (Decrease) in Deposit Accounts	170.82	110.66	3.68	163.1	146.38
Financing Cash Flow	167.53	147.28	54.82	160.49	161.71
Net Cash Flow	38.87	-5.7	-61.87	101.02	0.92
Free Cash Flow	22.33	9.95	18.54	18.71	-13.04
Free Cash Flow Growth	124.42%	-46.32%	-0.93%	-	-
Free Cash Flow Margin	41.09%	20.40%	45.43%	53.90%	-47.65%
Free Cash Flow Per Share	4.96	2.23	4.86	7.12	-5.13
Cash Interest Paid	23.97	10.41	1.92	1.13	0.83
Cash Income Tax Paid	5.52	3.68	1.63	2.63	1.83

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