HFB Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2018	FY 2017	FY 2012	FY 2011	FY 2010
Period Ending	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	Dec '12 Dec 31, 2012	Dec '11 Dec 31, 2011	Dec '10 Dec 31, 2010
Net Income	3.56	3.26	2.02	1.38	1.93
Depreciation & Amortization	0.58	0.62	0.63	0.6	0.56
Gain (Loss) on Sale of Assets	0.17	-0.77	0.01	-0	0
Gain (Loss) on Sale of Investments	0.41	0.15	0.31	0.18	0.04
Total Asset Writedown	-	-	0.31	0.25	0.16
Provision for Credit Losses	0.44	0.26	1.26	2.16	1.63
Accrued Interest Receivable	-0.14	-0.09	0.14	0.16	0.06
Change in Other Net Operating Assets	-0.28	0.16	0.8	0.03	0.13
Other Operating Activities	-0.03	0.1	-0.26	-0.34	-0.3
Operating Cash Flow	4.76	3.71	5.19	4.41	4.23
Operating Cash Flow Growth	28.21%	-28.43%	17.72%	4.09%	18.76%
Capital Expenditures	-0.53	-0.65	-0.92	-0.73	-1.84
Sale of Property, Plant and Equipment	-	-	0.05	-	-
Investment in Securities	0.33	2.15	-1.56	-4.34	3.98
Net Decrease (Increase) in Loans Originated / Sold - Investing	-21.28	-17.17	3.88	-4.08	-4.35
Other Investing Activities	0.54	1.85	0.46	1.42	0.51
Investing Cash Flow	-20.95	-13.82	1.91	-7.73	-1.7
Long-Term Debt Issued	539.62	44.01	-	-	18.28
Total Debt Issued	539.62	44.01	-	-	18.28
Short-Term Debt Repaid	-	-	-5	-	-5
Long-Term Debt Repaid	-531.63	-39.97	-1.91	-0.53	-19.05
Total Debt Repaid	-531.63	-39.97	-6.91	-0.53	-24.05
Net Debt Issued (Repaid)	7.99	4.04	-6.91	-0.53	-5.77
Issuance of Common Stock	0.12	-	0.06	0.21	0.29
Repurchase of Common Stock	-1.18	-0.02	-0.33	-0.06	-0.22
Common Dividends Paid	-0.93	-0.93	-0.87	-0.87	-0.86
Net Increase (Decrease) in Deposit Accounts	7.96	6.81	2.65	-1.04	10.69
Financing Cash Flow	13.97	9.89	-5.4	-2.29	4.13
Net Cash Flow	-2.22	-0.21	1.71	-5.62	6.67
Free Cash Flow	4.23	3.06	4.26	3.67	2.39
Free Cash Flow Growth	37.89%	-28.15%	16.13%	53.74%	20.37%
Free Cash Flow Margin	25.93%	19.56%	30.28%	29.12%	18.20%
Free Cash Flow Per Share	3.48	2.50	3.44	2.95	1.93
Cash Interest Paid	2.51	1.59	3.44	4.83	5.85
Cash Income Tax Paid	1.33	0.96	0.38	0.34	1.12