Bay Community Bancorp (CBOBA)

Bay Community Bancorp Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	8.23	8.06	7.41	4.89	4.07
Depreciation & Amortization	0.38	0.4	0.47	0.32	0.19
Gain (Loss) on Sale of Investments	-1.44	-0.35	0.26	0.14	0.09
Provision for Credit Losses	0.45	0.4	0.85	1.6	0.6
Accrued Interest Receivable	-4.06	-1.97	0.08	-0.56	-2.61
Change in Other Net Operating Assets	-0.29	-0.21	-0.24	-0.12	-0.12
Operating Cash Flow	8.92	7.17	9.94	7.46	5.13
Operating Cash Flow Growth	24.27%	-27.83%	33.21%	45.51%	2.46%
Capital Expenditures	-0.45	-0.12	-0.04	-0.62	-1.23
Investment in Securities	38.12	-183.38	-37.74	-17.56	20.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-19.94	-117.26	-50.72	-88.69	-86.55
Other Investing Activities	-7.19	-0.99	-0.23	-3.05	-0.48
Investing Cash Flow	10.53	-301.76	-88.73	-109.93	-67.45
Long-Term Debt Issued	65.5	41	-	3	19.5
Total Debt Issued	65.5	41	-	3	19.5
Long-Term Debt Repaid	-	-	-4	-	-
Total Debt Repaid	-	-	-4	-	-
Net Debt Issued (Repaid)	65.5	41	-4	3	19.5
Issuance of Common Stock	0.18	0.42	0.17	0.14	3.64
Repurchase of Common Stock	-1.56	-2.3	-	-	-
Preferred Stock Issued	-	119.41	-	-	-
Common Dividends Paid	-1.71	-1.53	-1.06	-	-
Total Dividends Paid	-1.71	-1.53	-1.06	-	-
Net Increase (Decrease) in Deposit Accounts	-72.04	95.67	78.98	132	72.89
Other Financing Activities	-	-0.04	-	-	-0.02
Financing Cash Flow	-9.63	252.63	74.1	135.15	96.01
Net Cash Flow	9.82	-41.95	-4.69	32.68	33.7
Free Cash Flow	8.47	7.05	9.9	6.84	3.9
Free Cash Flow Growth	20.07%	-28.79%	44.71%	75.47%	-20.94%
Free Cash Flow Margin	23.82%	22.87%	37.63%	34.83%	21.31%
Free Cash Flow Per Share	0.95	0.78	1.09	0.76	0.44
Cash Interest Paid	16.69	3.76	1.22	2.55	3.4
Cash Income Tax Paid	4.14	3.83	3.85	2.08	2.56

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