Pinnacle Bankshares 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	9.18	9.76	8.24	4.38
Depreciation & Amortization	1.24	1.24	1.24	1.24
Gain (Loss) on Sale of Investments	-0.03	-0.08	0.39	0.49
Provision for Credit Losses	0.36	-0.61	-0.34	-0.61
Accrued Interest Receivable	0.01	-0.3	-1.28	-0.05
Change in Other Net Operating Assets	2.62	-5.61	0.35	-3.13
Other Operating Activities	-0.01	-1.12	-0.17	0.74
Operating Cash Flow	14.4	4.31	8.66	3.2
Operating Cash Flow Growth	234.01%	-50.21%	170.85%	56.10%
Capital Expenditures	-2.48	-0.83	-0.4	-1.02
Sale of Property, Plant and Equipment	-	-	0.19	-
Investment in Securities	60.92	22.56	-150.11	-76.51
Net Decrease (Increase) in Loans Originated / Sold - Investing	-70.27	-7.27	-80.13	12.35
Other Investing Activities	1.79	0.96	-0.11	-6.31
Investing Cash Flow	-10.04	15.42	-230.56	-70.98
Common Dividends Paid	-2.21	-1.86	-1.33	-1.18
Net Increase (Decrease) in Deposit Accounts	18.48	33.21	-38.84	156.74
Financing Cash Flow	16.26	31.34	-40.17	155.56
Net Cash Flow	20.62	51.07	-262.07	87.78
Free Cash Flow	11.92	3.48	8.26	2.17
Free Cash Flow Growth	242.60%	-57.87%	279.98%	-
Free Cash Flow Margin	27.99%	8.47%	22.15%	6.78%
Free Cash Flow Per Share	5.39	1.58	3.79	1.00
Cash Interest Paid	11.57	8.02	1.34	1.81
Cash Income Tax Paid	1.85	2.74	1.33	0.81

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