Oregon Pacific Bancorp (ORPB)

Oregon Pacific Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	8.57	7.52	9.23	7.14	7.8
Depreciation & Amortization	0.97	1.13	1.1	1.65	1.32
Gain (Loss) on Sale of Assets	0.01	0	-	0	-
Gain (Loss) on Sale of Investments	-	-	0.03	1.83	-
Provision for Credit Losses	1.12	0.31	-0.23	0.69	-
Accrued Interest Receivable	-0.41	0.28	-3	-1.86	-1.02
Change in Other Net Operating Assets	-0.33	-0.28	-0.25	-0.21	-0.24
Other Operating Activities	-0.33	-0.03	-0.45	-0.47	0.03
Operating Cash Flow	10.25	9.09	8.19	10.39	7.8
Operating Cash Flow Growth	12.68%	11.06%	-21.18%	33.23%	-9.71%
Capital Expenditures	-0.52	-0.49	-4.61	-0.57	-3.61
Investment in Securities	-0.81	20.58	53.36	13.47	-143.85
Net Decrease (Increase) in Loans Originated / Sold - Investing	-28.44	-34.85	-53.72	-84.83	-6.09
Other Investing Activities	-1.02	0.42	-0.36	-0.63	-0.21
Investing Cash Flow	-30.78	-14.35	-5.32	-72.56	-153.77
Short-Term Debt Issued	-	-	-	0.04	0.01
Long-Term Debt Issued	15	42.02	34.53	-	15
Total Debt Issued	15	42.02	34.53	0.04	15.01
Short-Term Debt Repaid	-	-	-	-0.04	-0.01
Long-Term Debt Repaid	-15	-51.52	-17.53	-	-
Total Debt Repaid	-15	-51.52	-17.53	-0.04	-0.01
Net Debt Issued (Repaid)	-	-9.5	17	-	15
Net Increase (Decrease) in Deposit Accounts	22.73	16.17	-22.42	64.19	132.34
Other Financing Activities	-	-	-	-	-0.51
Financing Cash Flow	22.73	6.67	-5.42	64.19	146.83
Net Cash Flow	2.2	1.41	-2.55	2.01	0.86
Free Cash Flow	9.73	8.6	3.58	9.82	4.18
Free Cash Flow Growth	13.11%	140.10%	-63.52%	134.85%	-49.56%
Free Cash Flow Margin	26.14%	24.88%	10.45%	34.82%	15.52%
Free Cash Flow Per Share	1.35	1.20	0.51	1.39	0.59
Cash Interest Paid	10.46	10.27	6.3	1.52	0.62
Cash Income Tax Paid	2.98	2.35	3.27	2.86	3.27

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