Exchange Bank (Santa Rosa, CA) (EXSR)

EXSR Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-	37.48	36.41	33.7
Depreciation & Amortization	-	2.24	2.52	2.34
Gain (Loss) on Sale of Investments	-	6.49	3.86	4.42
Provision for Credit Losses	-	-	2	1.8
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-2.41	-1.39	-3.18
Accrued Interest Receivable	-	-17.05	7.11	-9.38
Other Operating Activities	-	-0.86	-3.04	2.38
Operating Cash Flow	-	33.07	34.42	33.51
Operating Cash Flow Growth	-	-	-3.92%	2.71%
Capital Expenditures	-	-0.74	-0.09	-4.51
Investment in Securities	-	-357.67	-496.36	-171.65
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	4.93	221.67	-146.24
Other Investing Activities	-	-2.95	-11.11	-
Investing Cash Flow	-	-356.43	-285.18	-322.39
Short-Term Debt Issued	-	20	-	5
Total Debt Issued	-	20	-	5
Short-Term Debt Repaid	-	-	-5	-
Total Debt Repaid	-	-	-5	-
Net Debt Issued (Repaid)	-	20	-5	5
Common Dividends Paid	-	-8.4	-8.23	-8.23
Net Increase (Decrease) in Deposit Accounts	-	-112.84	400.55	423.57
Financing Cash Flow	-	-101.24	387.32	420.34
Net Cash Flow	-	-424.6	136.56	131.46
Free Cash Flow	-	32.32	34.33	29
Free Cash Flow Growth	-	-	-5.83%	18.35%
Free Cash Flow Margin	-	26.17%	29.80%	24.98%
Free Cash Flow Per Share	-	18.86	20.02	16.92
Cash Interest Paid	-	2.98	1.84	4.2
Cash Income Tax Paid	-	12.8	13.4	12

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