Lumbee Guaranty Bank (LUMB)

Lumbee Guaranty Bank Cash Flow Statement

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

Fiscal Year	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	4.94	4.02	2.47
Depreciation & Amortization	0.56	0.59	0.59
Gain (Loss) on Sale of Assets	-0.01	0.01	0.04
Gain (Loss) on Sale of Investments	2.34	1.61	0.61
Provision for Credit Losses	-0.09	-0.33	0.3
Accrued Interest Receivable	-0.31	-0.27	-0.41
Change in Other Net Operating Assets	-1.48	0.51	-0.79
Other Operating Activities	-0.23	-0.27	-0.26
Operating Cash Flow	5.71	5.79	2.45
Operating Cash Flow Growth	-1.42%	136.04%	-41.79%
Capital Expenditures	-0.31	-0.09	-0.43
Sale of Property, Plant and Equipment	0.02	0.02	-
Investment in Securities	-27.35	-94.96	-36.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4.69	32.16	-21.35
Other Investing Activities	1.43	0.14	0.19
Investing Cash Flow	-30.91	-62.72	-58.43
Short-Term Debt Issued	0.05	0.71	0.54
Long-Term Debt Issued	-	-	4.29
Total Debt Issued	0.05	0.71	4.82
Long-Term Debt Repaid	-0.03	-5.03	-
Total Debt Repaid	-0.03	-5.03	-
Net Debt Issued (Repaid)	0.02	-4.33	4.82
Repurchase of Common Stock	-0.25	-0.29	-0.3
Common Dividends Paid	-0.94	-0.86	-0.82
Net Increase (Decrease) in Deposit Accounts	19.95	59.49	65.99
Financing Cash Flow	18.78	54.02	69.7
Net Cash Flow	-6.42	-2.91	13.72
Free Cash Flow	5.4	5.71	2.02
Free Cash Flow Growth	-5.44%	181.88%	-37.88%
Free Cash Flow Margin	31.81%	35.25%	14.62%
Free Cash Flow Per Share	1.61	1.69	0.59
Cash Interest Paid	0.57	0.8	1.56
Cash Income Tax Paid	0.58	0.53	0.62

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