PB Financial 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	16.92	13.92	14.25	9.82
Depreciation & Amortization	0.9	0.27	0.49	0.49
Gain (Loss) on Sale of Assets	-	-0.04	0	0.06
Gain (Loss) on Sale of Investments	0.04	-0.01	-0.01	-0.02
Provision for Credit Losses	-0.66	0.95	0.38	0.39
Accrued Interest Receivable	-0.54	-0.92	-1.25	-0.25
Change in Other Net Operating Assets	-0.17	0.16	0.56	0.53
Other Operating Activities	0.01	-1.02	-0.21	-0.33
Operating Cash Flow	17.01	15.02	15.05	10.81
Operating Cash Flow Growth	13.24%	-0.20%	39.17%	47.60%
Capital Expenditures	-0.64	-0.25	-0.05	-0.07
Sale of Property, Plant and Equipment	-	0.04	-	-
Investment in Securities	13.71	3.67	-35.53	-50.13
Net Decrease (Increase) in Loans Originated / Sold - Investing	-132.08	-140.08	-136.83	-84.04
Other Investing Activities	6.31	0.12	-1.53	-0.28
Investing Cash Flow	-112.7	-136.5	-173.94	-134.53
Long-Term Debt Issued	100.13	356.71	226.55	9.76
Long-Term Debt Repaid	-125.49	-374.82	-184	-19
Net Debt Issued (Repaid)	-25.35	-18.11	42.55	-9.24
Issuance of Common Stock	0.25	8.57	0.79	0.47
Repurchase of Common Stock	-1.22	-0.13	-0.24	-0.36
Preferred Stock Issued	17.92	-	-	-
Common Dividends Paid	-5.84	-4.42	-2.75	-2.22
Preferred Dividends Paid	-1.1	-	-	-
Total Dividends Paid	-6.94	-4.42	-2.75	-2.22
Net Increase (Decrease) in Deposit Accounts	111.23	129.51	100.92	116.67
Financing Cash Flow	95.9	115.42	141.27	105.32
Net Cash Flow	0.2	-6.06	-17.63	-18.39
Free Cash Flow	16.36	14.77	15	10.74
Free Cash Flow Growth	10.78%	-1.53%	39.65%	50.22%
Free Cash Flow Margin	39.17%	48.26%	52.39%	49.35%
Free Cash Flow Per Share	5.71	6.13	6.55	4.75
Cash Interest Paid	36.01	21.69	7.11	5.49
Cash Income Tax Paid	5.68	4.72	4.11	2.03