Northeast Indiana Bancorp 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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	4.31	4.26	6.55	7.3
Depreciation & Amortization	1.21	1.22	1.44	1.72
Gain (Loss) on Sale of Assets	-0.27	-0.08	0	0.01
Gain (Loss) on Sale of Investments	-	-0.01	-	-
Total Asset Writedown	-	-	-	-0.2
Provision for Credit Losses	1.55	1.05	-	0.12
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.16	0.44	0.76	1.19
Accrued Interest Receivable	0.12	-0.43	-0.43	0.03
Change in Other Net Operating Assets	-0.3	0.21	-0.82	0.64
Other Operating Activities	-0.01	-0.27	0.28	0.06
Operating Cash Flow	6.54	6.17	7.23	9
Operating Cash Flow Growth	6.11%	-14.68%	-19.76%	39.13%
Capital Expenditures	-0.97	-0.93	-0.77	-2.06
Sale of Property, Plant and Equipment	-	0.46	-	-
Investment in Securities	1.83	-0.11	-3.06	-13.7
Net Decrease (Increase) in Loans Originated / Sold - Investing	-21.42	-51.35	-46.49	-10.42
Other Investing Activities	-0.68	0.05	0.32	-0.75
Investing Cash Flow	-21.25	-51.88	-50	-26.93
Short-Term Debt Issued	-	-	-	1.2
Long-Term Debt Issued	154.1	785.2	545.9	21
Total Debt Issued	154.1	785.2	545.9	22.2
Short-Term Debt Repaid	-	-	-9	-
Long-Term Debt Repaid	-160.35	-769.95	-527.9	-45
Total Debt Repaid	-160.35	-769.95	-536.9	-45
Net Debt Issued (Repaid)	-6.25	15.25	9	-22.8
Repurchase of Common Stock	-0.49	-0.02	-	-0.3
Common Dividends Paid	-1.68	-2.18	-2.99	-2.89
Net Increase (Decrease) in Deposit Accounts	27.87	34.26	24.87	44.99
Financing Cash Flow	19.45	47.3	30.88	19
Net Cash Flow	4.74	1.58	-11.89	1.07
Free Cash Flow	5.57	5.24	6.45	6.94
Free Cash Flow Growth	6.37%	-18.87%	-7.06%	19.97%
Free Cash Flow Margin	32.41%	31.29%	34.60%	36.99%
Free Cash Flow Per Share	2.33	2.18	2.69	2.89
Cash Interest Paid	12.79	9.24	2.14	2.15
Cash Income Tax Paid	0.67	0.45	1.18	1.57

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