Glen Burnie Bancorp (GLBZ)

Glen Burnie 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	-0.11	1.43	1.75	2.52
Depreciation & Amortization	0.14	0.13	0.89	0.9
Other Amortization	0.1	0.1	0.1	0.1
Gain (Loss) on Sale of Assets	-	-	-	-0.01
Gain (Loss) on Sale of Investments	0.17	-0.11	0	0.59
Provision for Credit Losses	0.84	0.1	-0.11	-0.98
Accrued Interest Receivable	-0.15	-0.03	-0.07	0.22
Change in Other Net Operating Assets	-0.54	-0.13	-0.33	0.05
Other Operating Activities	-0.42	-0.08	-0	0.28
Operating Cash Flow	0.03	1.4	2.23	3.66
Operating Cash Flow Growth	-98.00%	-37.12%	-39.14%	128.22%
Capital Expenditures	-0.08	-0.15	-0.26	-0.29
Investment in Securities	30.46	8.78	-17.33	-45.49
Net Decrease (Increase) in Loans Originated / Sold - Investing	-29.07	10.03	23.76	43.78
Other Investing Activities	-0.45	-1	0.84	0.73
Investing Cash Flow	0.85	17.66	7.01	-1.28
Short-Term Debt Issued	-	30	-	-
Long-Term Debt Issued	-	-	-	10
Total Debt Issued	-	30	-	10
Short-Term Debt Repaid	-	-	-10	-19.91
Long-Term Debt Repaid	-	-	-10	-
Total Debt Repaid	-	-	-20	-19.91
Net Debt Issued (Repaid)	-	30	-20	-9.91
Issuance of Common Stock	0.09	0.12	0.11	0.13
Common Dividends Paid	-0.87	-1.15	-1.14	-1.14
Net Increase (Decrease) in Deposit Accounts	9.12	-62.88	-20.3	33.63
Financing Cash Flow	8.35	-33.91	-41.33	22.71
Net Cash Flow	9.22	-14.85	-32.09	25.09
Free Cash Flow	-0.05	1.25	1.97	3.37
Free Cash Flow Growth	-	-36.67%	-41.55%	227.41%
Free Cash Flow Margin	-0.47%	9.49%	14.78%	23.99%
Free Cash Flow Per Share	-0.02	0.43	0.69	1.18
Cash Interest Paid	4.2	1.13	0.86	1.08
Cash Income Tax Paid	-0.16	0.44	-	0.48

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