High Country Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	3.58	3.25	4.56	4.24	4.87
Depreciation & Amortization	0.83	0.74	0.91	1	0.86
Gain (Loss) on Sale of Assets	0.02	0.06	0.02	-	-
Gain (Loss) on Sale of Investments	0.11	0.27	0.4	0.46	0.42
Provision for Credit Losses	0.7	1	0.3	-	0.15
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	-	0.11
Accrued Interest Receivable	0.12	-0.36	-0.31	0.01	0.29
Change in Other Net Operating Assets	-4.86	0.78	-0.92	1.93	-0.1
Other Operating Activities	-0.59	-0.67	-0.43	-0.97	-0.42
Operating Cash Flow	0.17	5.44	4.78	6.91	7.09
Operating Cash Flow Growth	-96.97%	13.85%	-30.83%	-2.58%	1.34%
Capital Expenditures	-1.25	-0.38	-0.29	-0.45	-1.45
Sale of Property, Plant and Equipment	-	-	0.06	0.02	-
Investment in Securities	1.79	8.92	-5.94	-28.56	-7.53
Net Decrease (Increase) in Loans Originated / Sold - Investing	-32.37	-47.04	-48.98	-13	-23.23
Other Investing Activities	0.54	-1.24	-0.63	0.09	0.11
Investing Cash Flow	-31.29	-39.74	-55.78	-41.9	-32.09
Short-Term Debt Issued	144.21	278.6	52.36	-	-
Long-Term Debt Issued	15	20	-	-	-
Total Debt Issued	159.21	298.6	52.36	-	-
Short-Term Debt Repaid	-150.51	-275.9	-29.66	-	-
Long-Term Debt Repaid	-10	-	-	-	-10.5
Total Debt Repaid	-160.51	-275.9	-29.66	-	-10.5
Net Debt Issued (Repaid)	-1.3	22.7	22.7	-	-10.5
Repurchase of Common Stock	-0.17	-0.22	-1.05	-0.01	-0.5
Common Dividends Paid	-1.93	-1.93	-1.92	-1.94	-1.96
Net Increase (Decrease) in Deposit Accounts	33.58	15.69	-38.51	51.87	79.74
Financing Cash Flow	30.19	36.24	-18.78	49.92	66.79
Net Cash Flow	-0.94	1.94	-69.78	14.94	41.79
Free Cash Flow	-1.09	5.06	4.49	6.46	5.64
Free Cash Flow Growth	-	12.80%	-30.57%	14.50%	-0.86%
Free Cash Flow Margin	-4.73%	25.37%	21.57%	30.88%	26.35%
Free Cash Flow Per Share	-1.07	4.93	4.38	6.25	5.42
Cash Interest Paid	7.02	5.4	1.35	0.4	0.69
Cash Income Tax Paid	1.1	0.74	1.48	0.82	1.85

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