1st Colonial Bancorp, Inc. (FCOB)

1st Colonial Bancorp 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	8.06	7.43	8.5	7.26
Depreciation & Amortization	0.46	0.49	0.32	0.35
Other Amortization	0.07	0.07	0.12	0.04
Gain (Loss) on Sale of Assets	-	-0.01	0.03	0.12
Gain (Loss) on Sale of Investments	0.08	0.11	0.18	0.46
Provision for Credit Losses	-0.24	0.27	1.15	1.72
Net Decrease (Increase) in Loans Originated / Sold - Operating	19.67	15.67	-	-
Accrued Interest Receivable	-0	-0.65	-1.12	0.15
Change in Other Net Operating Assets	0.76	-2.22	0.46	-0.61
Other Operating Activities	-2.59	2.62	1.52	13.02
Operating Cash Flow	24.71	23.2	9.78	15.44
Operating Cash Flow Growth	6.53%	137.23%	-36.66%	-
Capital Expenditures	-0.14	-0.42	-1.16	-0.72
Sale of Property, Plant and Equipment	-	0.01	-	-
Investment in Securities	-9.22	23.37	-26.03	23.56
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4.61	-47.95	-99.36	-74.14
Other Investing Activities	-3.01	-1.38	1.63	-0.35
Investing Cash Flow	-16.98	-26.37	-124.84	-51.52
Short-Term Debt Issued	-	18.81	34.79	-
Total Debt Issued	-	18.81	34.79	-
Short-Term Debt Repaid	-53.6	-	-	-2.33
Total Debt Repaid	-53.6	-	-	-2.33
Net Debt Issued (Repaid)	-53.6	18.81	34.79	-2.33
Issuance of Common Stock	0.32	0.31	0.1	0.09
Repurchase of Common Stock	-	-0.01	-0.88	-2.51
Net Increase (Decrease) in Deposit Accounts	60.21	16.39	60.58	44.66
Financing Cash Flow	6.93	35.5	94.58	39.92
Net Cash Flow	14.67	32.33	-20.48	3.84
Free Cash Flow	24.58	22.78	8.62	14.72
Free Cash Flow Growth	7.88%	164.45%	-41.49%	-
Free Cash Flow Margin	84.66%	78.92%	29.49%	49.62%
Free Cash Flow Per Share	5.00	4.72	1.78	2.97
Cash Interest Paid	17.52	12.71	3.06	3.06
Cash Income Tax Paid	2.28	3.03	3.96	3.96

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