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

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