Lyons Bancorp Inc. (LYBC)

Lyons Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	15.46	17.35	17.2	15.52
Depreciation & Amortization	1.28	1.32	1.42	1.42
Other Amortization	0.01	0.01	0.01	0.01
Gain (Loss) on Sale of Investments	0.22	0.58	0.58	1.39
Provision for Credit Losses	1.88	1.04	3.5	1.34
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.25	-5.85	0.7	7.45
Accrued Interest Receivable	-0.38	-5.06	0.98	3.32
Other Operating Activities	-2.78	-0.8	-4.7	-1.75
Operating Cash Flow	14.79	9.08	19.46	28.86
Operating Cash Flow Growth	62.95%	-53.35%	-32.55%	39.80%
Capital Expenditures	-0.51	-0.23	-0.61	-0.41
Investment in Securities	16.29	-7.9	3.36	-97.31
Net Decrease (Increase) in Loans Originated / Sold - Investing	-88.65	-71.46	-162.6	-121.74
Other Investing Activities	-1.44	-0.97	-0.64	-1.96
Investing Cash Flow	-74.31	-80.56	-160.49	-221.42
Long-Term Debt Issued	-	71	-	-
Total Debt Issued	-	71	-	-
Long-Term Debt Repaid	-71	-	-	-
Total Debt Repaid	-71	-	-	-
Net Debt Issued (Repaid)	-71	71	-	-
Issuance of Common Stock	0.38	0.35	0.26	9.08
Repurchase of Common Stock	-1.38	-0.03	-0.33	-
Common Dividends Paid	-5.06	-4.99	-4.55	-3.33
Preferred Dividends Paid	-0.24	-0.25	-0.25	-0.25
Total Dividends Paid	-5.31	-5.24	-4.8	-3.58
Net Increase (Decrease) in Deposit Accounts	137.47	3.95	152.33	184.9
Financing Cash Flow	60.17	70.03	147.46	190.41
Net Cash Flow	0.65	-1.45	6.43	-2.16
Free Cash Flow	14.28	8.84	18.86	28.44
Free Cash Flow Growth	61.47%	-53.10%	-33.70%	78.55%
Free Cash Flow Margin	22.94%	14.34%	30.90%	46.72%
Free Cash Flow Per Share	4.04	2.50	5.33	8.46
Cash Interest Paid	32.9	21.97	3.72	3.55
Cash Income Tax Paid	5.08	5.42	3.51	4.19

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