Bank of Botetourt (BORT)

Bank of Botetourt Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	7.94	8.17	7.81	6.88
Depreciation & Amortization	1.09	0.97	1.01	0.94
Gain (Loss) on Sale of Assets	0.04	0	-0.07	0.31
Gain (Loss) on Sale of Investments	-0.01	-0.03	-0.02	0.02
Total Asset Writedown	-	-	-	0.34
Provision for Credit Losses	0.92	0.88	1.51	0.43
Accrued Interest Receivable	-0.35	-0.46	-0.46	-0.04
Change in Other Net Operating Assets	-0.46	-0.19	-0.06	-0.54
Other Operating Activities	0.06	0.02	0.05	-0.05
Operating Cash Flow	11.2	10.61	9.9	8.05
Operating Cash Flow Growth	5.50%	7.25%	22.95%	28.08%
Capital Expenditures	-3.79	-1.49	-0.61	-1.8
Sale of Property, Plant and Equipment	-	-	0.06	-
Investment in Securities	14.16	9.74	-43.65	-50.86
Net Decrease (Increase) in Loans Originated / Sold - Investing	-79.25	-112.23	-57.77	29.19
Other Investing Activities	-2.15	-1.07	0.36	-0.18
Investing Cash Flow	-71.04	-105.05	-101.61	-23.65
Long-Term Debt Issued	-	19	-	-
Total Debt Issued	-	19	-	-
Long-Term Debt Repaid	-19	-	-3	-1
Total Debt Repaid	-19	-	-3	-1
Net Debt Issued (Repaid)	-19	19	-3	-1
Issuance of Common Stock	0.28	0.3	0.51	0.5
Preferred Stock Issued	-	-	6.64	-
Common Dividends Paid	-1.56	-1.5	-1.43	-1.26
Preferred Dividends Paid	-0.48	-0.48	-	-
Total Dividends Paid	-2.04	-1.98	-1.43	-1.26
Net Increase (Decrease) in Deposit Accounts	77.63	45.67	46.8	61.58
Financing Cash Flow	56.86	62.99	49.52	59.82
Net Cash Flow	-2.98	-31.44	-42.19	44.22
Free Cash Flow	7.4	9.13	9.28	6.25
Free Cash Flow Growth	-18.86%	-1.71%	48.56%	14.27%
Free Cash Flow Margin	24.30%	31.30%	34.25%	25.26%
Free Cash Flow Per Share	3.79	4.69	4.80	3.25
Cash Interest Paid	17.82	8.13	2.18	2.86
Cash Income Tax Paid	2.01	2.53	1.68	2.37

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