InBankshares, Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	10.24	8.81	8.81	2.75
Depreciation & Amortization	2.42	2.69	2.41	1.47
Gain (Loss) on Sale of Assets	-0.07	-0.03	-0.3	0.1
Gain (Loss) on Sale of Investments	-4.45	1.41	1.49	1.05
Provision for Credit Losses	2.51	0.77	2.23	1.12
Accrued Interest Receivable	0.36	-0.48	-1.5	0.52
Change in Other Net Operating Assets	3.87	-5.94	6.47	5.97
Other Operating Activities	-1.48	-1.19	-1.63	-0.31
Operating Cash Flow	14.53	7.38	19.13	13.28
Operating Cash Flow Growth	96.92%	-61.43%	44.09%	-
Capital Expenditures	-0.5	-0.86	-0.54	-0.23
Sale of Property, Plant and Equipment	0.5	0.5	2.92	0.26
Cash Acquisitions	-	-	0.04	-
Investment in Securities	30.32	48.16	6.94	-107.99
Income (Loss) Equity Investments	-0.21	-0.16	-0.01	-0.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-55.25	-60.77	-117.17	-19.89
Investing Cash Flow	-25.38	-12.87	-107.3	-127.35
Short-Term Debt Issued	8.75	-	29.88	-
Long-Term Debt Issued	-	20	-	19.54
Total Debt Issued	8.75	20	29.88	19.54
Short-Term Debt Repaid	-	-30.66	-	-34.34
Long-Term Debt Repaid	-20.15	-	-	-
Total Debt Repaid	-20.15	-30.66	-	-34.34
Net Debt Issued (Repaid)	-11.4	-10.66	29.88	-14.81
Issuance of Common Stock	-	-	-	4.93
Repurchase of Common Stock	-0.16	-0.19	-0.2	-0.21
Net Increase (Decrease) in Deposit Accounts	-28.25	97.13	15.37	146.18
Financing Cash Flow	-39.81	86.28	45.05	136.09
Net Cash Flow	-50.66	80.78	-43.12	22.02
Free Cash Flow	14.03	6.52	18.6	13.05
Free Cash Flow Growth	115.22%	-64.94%	42.48%	-
Free Cash Flow Margin	27.03%	14.06%	42.72%	49.23%
Free Cash Flow Per Share	1.17	0.55	1.74	1.64
Cash Interest Paid	26.2	18.05	3.13	1.68
Cash Income Tax Paid	2.21	4.34	0.57	0.15

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