PSB Holdings 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	10.29	9.57	13.64	12.82
Depreciation & Amortization	3.14	3.11	3.41	0.82
Gain (Loss) on Sale of Assets	-0.01	-0.07	-0.01	-0.27
Gain (Loss) on Sale of Investments	1.01	0.58	-	-0.13
Total Asset Writedown	-	-0.12	-0.03	-0.08
Provision for Credit Losses	0.2	0.45	-	1
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.56	-0	3.6	0.33
Accrued Interest Receivable	0.09	-1.13	-0.75	0.48
Change in Other Net Operating Assets	1.5	-0.63	-0.53	1.86
Other Operating Activities	-0.91	1.89	-0.43	-0.67
Operating Cash Flow	14.54	13.1	18.29	13.39
Operating Cash Flow Growth	11.01%	-28.36%	36.54%	-23.30%
Capital Expenditures	-1.74	-1.23	-1.54	-1.1
Sale of Property, Plant and Equipment	0.02	0.02	0.01	-
Cash Acquisitions	-	-	-	24.21
Investment in Securities	-26.02	32.3	-7.67	-81.11
Net Decrease (Increase) in Loans Originated / Sold - Investing	0.65	-115.95	-84.83	32.25
Other Investing Activities	-2.45	-2.19	1.09	1.96
Investing Cash Flow	-29.54	-87.05	-92.93	-23.78
Short-Term Debt Issued	-	-	6.31	-
Long-Term Debt Issued	28.25	91	4.8	-
Total Debt Issued	28.25	91	11.11	-
Short-Term Debt Repaid	-1.19	-4.93	-	-8.94
Long-Term Debt Repaid	-	-0.78	-5.72	-15
Total Debt Repaid	-1.19	-5.71	-5.72	-23.94
Net Debt Issued (Repaid)	27.06	85.29	5.39	-23.94
Issuance of Common Stock	-	-	0.02	-
Repurchase of Common Stock	-1.78	-3.03	-3.3	-0.36
Preferred Stock Issued	-	-	7.15	-
Common Dividends Paid	-3.12	-2.99	-2.26	-2.05
Net Increase (Decrease) in Deposit Accounts	5.55	-6.95	43.52	51.75
Financing Cash Flow	27.71	72.32	50.51	25.41
Net Cash Flow	12.72	-1.63	-24.13	15.02
Free Cash Flow	12.8	11.87	16.75	12.29
Free Cash Flow Growth	7.82%	-29.09%	36.20%	-23.67%
Free Cash Flow Margin	28.54%	26.80%	35.31%	26.19%
Free Cash Flow Per Share	3.10	2.82	3.79	2.76
Cash Interest Paid	32.23	21.74	5.99	3.56
Cash Income Tax Paid	1.14	3.06	3.58	4.67

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