Golden State Bancorp (GSBX)

Golden State Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	8.12	7.62	7.69	3.55	-0.57
Depreciation & Amortization	0.54	0.48	0.33	0.33	0.24
Gain (Loss) on Sale of Assets	0	0.11	0	-	0.01
Gain (Loss) on Sale of Investments	-0.2	-0.35	-0.24	-	-
Total Asset Writedown	-	-	0.28	-	0.24
Provision for Credit Losses	2.84	1.01	2.04	1.6	0.91
Change in Other Net Operating Assets	-1	-0.26	-0.68	0.41	-0.01
Operating Cash Flow	9.49	8.84	11.09	6.71	0.79
Operating Cash Flow Growth	7.41%	-20.35%	65.32%	753.73%	-78.43%
Capital Expenditures	-0.24	-1.26	-0.03	-0.16	-0.11
Sale of Property, Plant and Equipment	0	-	0	-	-
Investment in Securities	15.75	7.25	-25.69	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-146.3	-21.43	-127.44	-90.7	-71.54
Other Investing Activities	0.04	-1	-0.53	-0.4	-0.19
Investing Cash Flow	-130.74	-15.5	-153.69	-91.25	-68.91
Long-Term Debt Issued	18	35	-	16.41	41.92
Long-Term Debt Repaid	-13	-22.5	-12.5	-10	-28.5
Net Debt Issued (Repaid)	5	12.5	-12.5	6.41	13.42
Issuance of Common Stock	1.89	0.22	8.62	3.37	-
Repurchase of Common Stock	-1.63	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	93.27	56.83	118.04	73.56	73.91
Other Financing Activities	-	-	-0.04	-	-
Financing Cash Flow	98.53	69.55	114.11	83.35	87.33
Net Cash Flow	-22.72	62.89	-28.48	-1.19	19.21
Free Cash Flow	9.25	7.57	11.06	6.55	0.68
Free Cash Flow Growth	22.13%	-31.52%	68.80%	868.83%	-79.69%
Free Cash Flow Margin	34.56%	29.13%	47.74%	40.64%	6.28%
Free Cash Flow Per Share	3.39	2.83	4.48	3.31	0.37
Cash Interest Paid	25.89	16.24	5.51	4.84	5.76
Cash Income Tax Paid	4.03	4.01	1.61	0.65	0.01

Updated Apr 23, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.