Community Investors Bancorp, Inc. (CIBN)

CIBN Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Net Income	1.14	0.72	1.65	2.34	1.53
Depreciation & Amortization	0.35	0.4	0.45	0.4	0.37
Gain (Loss) on Sale of Investments	0.11	0.16	0.14	0.11	0.09
Provision for Credit Losses	0.04	0.15	-	0.07	0.47
Accrued Interest Receivable	-0.53	-0.29	-0.18	0.16	-0.2
Change in Other Net Operating Assets	-0.41	-0.45	5.74	-0.51	-5.45
Other Operating Activities	-0.08	-0.23	0.13	0.23	0.01
Operating Cash Flow	0.7	1.34	8.03	2.91	-3.16
Operating Cash Flow Growth	-47.65%	-83.27%	175.39%	-	-
Capital Expenditures	-0.12	-0.19	-0.09	-1.12	-0.23
Investment in Securities	5.23	1.15	-4.29	-14.51	-1.79
Net Decrease (Increase) in Loans Originated / Sold - Investing	-40.94	-41.68	-23.73	-1.13	-18.62
Other Investing Activities	-1.52	-0.94	-0.73	-0.05	-0.11
Investing Cash Flow	-37.35	-41.65	-28.83	-16.82	-20.75
Long-Term Debt Issued	48.01	35.17	9	5.16	21.21
Long-Term Debt Repaid	-31.49	-16.58	-18.17	-15.39	-16.75
Net Debt Issued (Repaid)	16.52	18.59	-9.17	-10.23	4.46
Repurchase of Common Stock	-	-0.02	-	-	-
Common Dividends Paid	-0.3	-0.32	-0.32	-0.32	-0.31
Net Increase (Decrease) in Deposit Accounts	22.2	18.72	21.83	23.48	31.64
Other Financing Activities	-	-	-0.18	-0.03	0.06
Financing Cash Flow	38.41	36.97	12.17	12.9	35.86
Net Cash Flow	1.77	-3.34	-8.64	-1	11.94
Free Cash Flow	0.58	1.16	7.94	1.8	-3.4
Free Cash Flow Growth	-49.91%	-85.43%	342.12%	-	-
Free Cash Flow Margin	4.91%	11.32%	59.31%	11.66%	-29.99%
Free Cash Flow Per Share	0.73	1.46	9.98	2.26	-4.27
Cash Interest Paid	7.14	2.92	1.32	1.73	2
Cash Income Tax Paid	0.43	0.08	0.33	0.47	0.1

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