JSB Financial Inc. (JFWV)

JSB Financial Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	3.04	3.86	3.58	2.88	2.8
Depreciation & Amortization	0.43	0.43	0.48	0.51	0.5
Gain (Loss) on Sale of Assets	0	-	-0.01	-0	-0
Gain (Loss) on Sale of Investments	0.38	0.61	0.86	0.44	0.44
Provision for Credit Losses	0.29	0.63	0.08	0.8	0.14
Accrued Interest Receivable	-0.12	-0.17	-0	-0.16	-0.07
Change in Other Net Operating Assets	-0.01	-0.26	0.01	0.35	0.51
Other Operating Activities	-0.2	-0.13	-0.29	-0.55	-0.16
Operating Cash Flow	4.17	4.96	4.7	4.22	4.22
Operating Cash Flow Growth	-15.91%	5.47%	11.45%	0.08%	24.93%
Capital Expenditures	-0.22	-0.38	-0.19	-0.37	-0.4
Investment in Securities	11.33	-0.11	-39.52	-23.6	5.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	-44.01	-60.07	-5.02	-23.45	-18.11
Other Investing Activities	-0.08	-0.94	-0.01	0.41	-0.14
Investing Cash Flow	-32.97	-61.5	-44.39	-47.02	-13.26
Short-Term Debt Issued	-	0.01	-	-	-
Long-Term Debt Issued	28	21.39	-	-	-
Total Debt Issued	28	21.4	-	-	-
Short-Term Debt Repaid	-0.01	-	-0.34	-1.52	-0.53
Long-Term Debt Repaid	-3.27	-	-	-9.77	-10.87
Total Debt Repaid	-3.28	-	-0.34	-11.29	-11.4
Net Debt Issued (Repaid)	24.72	21.4	-0.34	-11.29	-11.4
Repurchase of Common Stock	-1.62	-	-0.3	-	-
Common Dividends Paid	-0.63	-0.61	-0.57	-0.53	-0.66
Net Increase (Decrease) in Deposit Accounts	11.29	24.08	44.29	63.42	20.72
Financing Cash Flow	33.77	44.87	43.08	51.6	8.67
Net Cash Flow	4.97	-11.67	3.39	8.81	-0.38
Free Cash Flow	3.96	4.58	4.51	3.85	3.82
Free Cash Flow Growth	-13.59%	1.40%	17.28%	0.81%	19.60%
Free Cash Flow Margin	27.57%	31.44%	33.91%	32.34%	32.25%
Free Cash Flow Per Share	14.52	16.60	16.33	13.78	13.67
Cash Interest Paid	6.31	2.27	1.57	1.83	2.24
Cash Income Tax Paid	0.73	0.78	1.07	0.86	0.12

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