Keweenaw Financial 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	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	6.97	6.43	10	13.1	10.65
Depreciation & Amortization	1.36	1.45	1.83	1.72	1.56
Gain (Loss) on Sale of Assets	0.18	0.06	-0.01	0.36	0.13
Gain (Loss) on Sale of Investments	0.55	0.57	0.61	0.96	0.76
Provision for Credit Losses	-0.11	0.02	-0	0.92	3.84
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.36	5.6	10.46	30.37	4.6
Accrued Interest Receivable	0.07	1.15	0.18	-0.09	-1.69
Other Operating Activities	-0.2	-0.49	-1.35	-2.07	-3.36
Operating Cash Flow	6.55	14.11	15.22	29.52	-1.58
Operating Cash Flow Growth	-53.57%	-7.34%	-48.43%	-	-
Capital Expenditures	-2.5	-2.76	-3.47	-0.97	-0.44
Sale of Property, Plant and Equipment	-	0	-	-	-
Cash Acquisitions	-	-	-	-	-36.62
Investment in Securities	29.35	19.85	-3.85	-107.92	-24.42
Net Decrease (Increase) in Loans Originated / Sold - Investing	6.04	20.62	-87.03	-20.96	-20.86
Other Investing Activities	-0.79	-	1.82	-0.12	-1.06
Investing Cash Flow	32.86	37.72	-92.52	-129.71	-83.05
Long-Term Debt Issued	105.14	105.79	221.65	15	26.8
Total Debt Issued	105.14	105.79	221.65	15	26.8
Short-Term Debt Repaid	-	-	-	-	-6
Long-Term Debt Repaid	-111	-128.41	-157.32	-8.34	-10
Total Debt Repaid	-111	-128.41	-157.32	-8.34	-16
Net Debt Issued (Repaid)	-5.86	-22.63	64.33	6.66	10.8
Issuance of Common Stock	0	0.21	0.05	-	-
Repurchase of Common Stock	-0.26	-	-	-	-
Common Dividends Paid	-2	-1.83	-1.65	-1.55	-1.51
Net Increase (Decrease) in Deposit Accounts	-23.09	-16.58	-62.63	81.76	132.88
Financing Cash Flow	-31.2	-40.83	0.11	86.87	142.17
Net Cash Flow	8.21	10.99	-77.19	-13.32	57.54
Free Cash Flow	4.05	11.35	11.75	28.55	-2.03
Free Cash Flow Growth	-64.31%	-3.40%	-58.84%	-	-
Free Cash Flow Margin	10.12%	28.24%	26.38%	51.20%	-3.86%
Free Cash Flow Per Share	3.49	9.78	10.13	24.63	-1.75
Cash Interest Paid	20.02	11.06	4.12	4.62	6.61
Cash Income Tax Paid	1.33	1.26	1.85	3.52	3.21

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