First Capital Bancshares, Inc. (FCPB)

First Capital Bancshares Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	9.57	5.03	3.8	2.7	0.75
Depreciation & Amortization	0.62	0.49	0.4	0.32	0.22
Gain (Loss) on Sale of Assets	-0.99	0.01	-	0	-0
Gain (Loss) on Sale of Investments	-0.25	-0.03	-0.04	-0.09	-0.25
Provision for Credit Losses	2.29	1.9	1.4	0.97	0.78
Accrued Interest Receivable	-1.09	-0.63	-1.34	-0.82	-0.05
Change in Other Net Operating Assets	-2.4	0.43	-0.4	-0.39	0.46
Other Operating Activities	-1.23	-0.59	-0.44	0.08	-0.08
Operating Cash Flow	6.11	9.23	3.84	3.35	1.97
Operating Cash Flow Growth	-33.76%	140.13%	14.60%	70.08%	139.79%
Capital Expenditures	-0.55	-3.4	-0.52	-2.54	-1.67
Cash Acquisitions	-0.13	-	-	-	-
Investment in Securities	-23.75	1.64	8.63	-16.05	-16.66
Divestitures	-25.92	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-163.96	-158.92	-198.54	-209.87	-85.38
Other Investing Activities	-6	-4	-	-2	-1.98
Investing Cash Flow	-220.32	-164.68	-190.43	-230.46	-105.69
Long-Term Debt Issued	115	50	116	20	7
Long-Term Debt Repaid	-114.21	-29.21	-90.21	-0.21	-0.21
Net Debt Issued (Repaid)	0.79	20.79	25.79	19.79	6.79
Issuance of Common Stock	0.33	14.56	14.16	15.22	0.01
Net Increase (Decrease) in Deposit Accounts	201.6	131.85	177.8	143.47	112.62
Financing Cash Flow	202.72	167.2	217.74	178.47	119.42
Net Cash Flow	-11.48	11.75	31.15	-48.64	15.7
Free Cash Flow	5.57	5.83	3.32	0.81	0.3
Free Cash Flow Growth	-4.45%	75.37%	307.94%	172.00%	-
Free Cash Flow Margin	16.31%	23.91%	16.96%	5.91%	3.37%
Free Cash Flow Per Share	0.54	0.62	0.41	0.14	0.06
Cash Interest Paid	-	31.06	19.68	4.69	2
Cash Income Tax Paid	-	1.29	1.57	0.09	0.13

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