Primary Bank (PRMY)

Primary Bank Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	10	10.66	8.39	3.52	2.34
Depreciation & Amortization	0.23	0.25	0.21	0.18	0.1
Other Amortization	0.18	-0.09	-	-	-
Gain (Loss) on Sale of Investments	0.01	0.02	0.01	0.01	0.01
Provision for Credit Losses	0.74	1.4	1.87	1.48	0.75
Accrued Interest Receivable	-0.57	-0.36	0.69	-1.23	-0.15
Change in Other Net Operating Assets	1.2	0.26	-2.45	0.52	0.33
Other Operating Activities	-0.18	-0.25	-5.68	-1.93	-0.45
Operating Cash Flow	12.35	12.29	3.97	2.63	3.1
Operating Cash Flow Growth	0.54%	209.16%	51.11%	-15.25%	44.61%
Capital Expenditures	-0.08	-0.04	-0.58	-0.53	-0.56
Investment in Securities	0.55	0.91	-9.56	0.56	0.56
Net Decrease (Increase) in Loans Originated / Sold - Investing	-13.94	-73.54	-65.34	-194.47	-60.07
Other Investing Activities	0.39	-0.62	-0.03	-0	-
Investing Cash Flow	-13.08	-73.28	-75.51	-194.45	-60.06
Short-Term Debt Issued	30.73	10	-	-	-
Total Debt Issued	30.73	10	-	-	-
Short-Term Debt Repaid	-10	-	-	-	-
Total Debt Repaid	-10	-	-	-	-
Net Debt Issued (Repaid)	20.73	10	-	-	-
Issuance of Common Stock	1.02	4.82	1.41	20.1	0.02
Repurchase of Common Stock	-0.26	-3.43	-	-	-0.03
Net Increase (Decrease) in Deposit Accounts	5.47	-39.23	93.85	242.44	90.19
Financing Cash Flow	26.97	-27.84	95.26	262.54	90.18
Net Cash Flow	26.25	-88.84	23.72	70.72	33.22
Free Cash Flow	12.28	12.25	3.4	2.1	2.55
Free Cash Flow Growth	0.20%	260.59%	61.84%	-17.53%	18.68%
Free Cash Flow Margin	45.44%	49.91%	16.74%	17.96%	33.78%
Free Cash Flow Per Share	2.57	2.56	0.74	0.50	0.81
Cash Interest Paid	8.71	2.38	3.03	3.69	3.07
Cash Income Tax Paid	4.62	4.03	3.89	0.92	0.21

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