River City Bank (RCBC)

River City Bank Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	73.4	60.34	47.82	44.48
Depreciation & Amortization	-7.68	0.76	4.48	6.6
Gain (Loss) on Sale of Investments	-19.84	20.93	-115.8	-20.66
Total Asset Writedown	-	-	-0.68	0.11
Provision for Credit Losses	23.48	-10.55	123.87	22.99
Accrued Interest Receivable	-4.63	-4.61	-2.96	1.08
Change in Other Net Operating Assets	-2.65	-1.74	7.82	1.73
Other Operating Activities	-1.28	-3.56	-3.42	-2.28
Operating Cash Flow	61.92	70.23	64.49	53.95
Operating Cash Flow Growth	-11.83%	8.90%	19.54%	17.36%
Capital Expenditures	-0.67	-0.3	-1.15	-0.49
Sale of Property, Plant and Equipment	-	-	0.96	-
Investment in Securities	-14.54	-29.12	50.38	-47.99
Net Decrease (Increase) in Loans Originated / Sold - Investing	-587.89	-447.28	-503.24	-305.85
Other Investing Activities	-	-	40	-40
Investing Cash Flow	-603.1	-476.69	-413.04	-394.32
Long-Term Debt Issued	-	-	92	-
Long-Term Debt Repaid	-	-50	-	-5
Net Debt Issued (Repaid)	-	-50	92	-5
Repurchase of Common Stock	-5.97	-4.54	-	-0.29
Common Dividends Paid	-2.18	-2.09	-1.96	-1.86
Total Dividends Paid	-2.18	-2.09	-1.96	-1.86
Net Increase (Decrease) in Deposit Accounts	133.85	878.36	116.29	315.57
Other Financing Activities	15.11	-12.82	127.76	-
Financing Cash Flow	140.81	808.91	334.09	308.42
Net Cash Flow	-400.37	402.44	-14.47	-31.96
Free Cash Flow	61.25	69.93	63.34	53.46
Free Cash Flow Growth	-12.42%	10.40%	18.48%	18.52%
Free Cash Flow Margin	42.61%	57.72%	63.25%	57.61%
Free Cash Flow Per Share	4.16	4.69	4.27	3.62
Cash Interest Paid	144.69	86.94	18.18	12.45
Cash Income Tax Paid	33.48	27.84	21.23	20.96

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.