First Commerce Bancorp, Inc. (CMRB)

First Commerce Bancorp Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	13.78	16.59	16.69
Depreciation & Amortization	1.95	1.94	1.15
Gain (Loss) on Sale of Investments	-0.08	-0.04	0.05
Total Asset Writedown	0.06	0.17	0.11
Provision for Credit Losses	-4.73	-0.36	-0.59
Accrued Interest Receivable	-1.38	-0.43	0.86
Other Operating Activities	-0.46	-1.59	-0.19
Operating Cash Flow	9.4	21.64	21.33
Operating Cash Flow Growth	-56.54%	1.43%	50.96%
Capital Expenditures	-1.26	-0.52	-0.18
Investment in Securities	10.83	-34.75	14.48
Net Decrease (Increase) in Loans Originated / Sold - Investing	-133.22	-190.63	-68.31
Other Investing Activities	-2.2	-2.75	-25
Investing Cash Flow	-121.94	-228.44	-78.02
Long-Term Debt Issued	130	59	-
Long-Term Debt Repaid	-59	-	-
Net Debt Issued (Repaid)	71	59	-
Issuance of Common Stock	0.28	1.58	1.71
Repurchase of Common Stock	-6.96	-	-
Common Dividends Paid	-3.77	-9.28	-
Net Increase (Decrease) in Deposit Accounts	71.12	84.75	72.04
Financing Cash Flow	131.67	136.05	73.75
Net Cash Flow	19.14	-70.75	17.06
Free Cash Flow	8.15	21.12	21.15
Free Cash Flow Growth	-61.42%	-0.18%	65.42%
Free Cash Flow Margin	17.47%	43.34%	47.97%
Free Cash Flow Per Share	0.34	0.88	0.90
Cash Interest Paid	31.67	5.71	3.59
Cash Income Tax Paid	4.2	5.82	5.12

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.