National Capital Bancorp, Inc. (NACB)

National Capital 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	6.38	4.36	4.59	4.65
Depreciation & Amortization	0.68	0.73	0.73	0.72
Other Amortization	0.05	0.05	0.05	0.03
Gain (Loss) on Sale of Assets	-0	-0.84	-	-
Gain (Loss) on Sale of Investments	0.92	1.83	1.96	1.62
Provision for Credit Losses	0.54	0.21	-0.89	-0.15
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.87	-0.71	-	1.64
Accrued Interest Receivable	0.51	-0.84	0.27	0.42
Other Operating Activities	-0.8	-0.47	0.25	-0.31
Operating Cash Flow	10.15	4.21	7.41	7.52
Operating Cash Flow Growth	141.21%	-43.18%	-1.49%	84.14%
Capital Expenditures	-0.31	-0.24	-0.29	-0.37
Investment in Securities	9.58	23.33	5.09	-62.2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-22.19	-71.83	-28.69	44.36
Other Investing Activities	0.34	-1.62	-0.06	-0.1
Investing Cash Flow	-12.58	-50.36	-23.95	-18.3
Short-Term Debt Issued	-	212	0.95	1.55
Long-Term Debt Issued	-	-	-	13.59
Total Debt Issued	-	212	0.95	15.13
Short-Term Debt Repaid	-43	-167.27	-	-
Long-Term Debt Repaid	-	-	-	-20.79
Total Debt Repaid	-43	-167.27	-	-20.79
Net Debt Issued (Repaid)	-43	44.73	0.95	-5.66
Repurchase of Common Stock	-0.18	-	-	-
Common Dividends Paid	-0.76	-0.69	-0.69	-0.63
Net Increase (Decrease) in Deposit Accounts	47.56	8.9	-85.36	124.67
Financing Cash Flow	3.62	52.93	-85.11	118.38
Net Cash Flow	1.19	6.78	-101.65	107.6
Free Cash Flow	9.84	3.97	7.12	7.15
Free Cash Flow Growth	148.04%	-44.26%	-0.44%	644.28%
Free Cash Flow Margin	36.66%	15.91%	28.89%	29.73%
Free Cash Flow Per Share	8.55	3.45	6.20	6.24
Cash Interest Paid	11.59	7.55	2.01	1
Cash Income Tax Paid	2.24	1.62	0.58	1.15

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.