River City Bank Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	68.42	73.4	60.34	47.82	44.48
Depreciation & Amortization	-3.75	-7.68	0.76	4.48	6.6
Gain (Loss) on Sale of Investments	69.4	-19.84	20.93	-115.8	-20.66
Total Asset Writedown	-	-	-	-0.68	0.11
Provision for Credit Losses	-55.94	23.48	-10.55	123.87	22.99
Accrued Interest Receivable	0.18	-4.63	-4.61	-2.96	1.08
Change in Other Net Operating Assets	-3.11	-2.65	-1.74	7.82	1.73
Other Operating Activities	-1.57	-1.28	-3.56	-3.42	-2.28
Operating Cash Flow	76.48	61.92	70.23	64.49	53.95
Operating Cash Flow Growth	23.52%	-11.83%	8.90%	19.54%	17.36%
Capital Expenditures	-1.01	-0.67	-0.3	-1.15	-0.49
Sale of Property, Plant and Equipment	-	-	-	0.96	-
Investment in Securities	19.11	-14.54	-29.12	50.38	-47.99
Net Decrease (Increase) in Loans Originated / Sold - Investing	-353.85	-587.89	-447.28	-503.24	-305.85
Other Investing Activities	-	-	-	40	-40
Investing Cash Flow	-335.75	-603.1	-476.69	-413.04	-394.32
Long-Term Debt Issued	-	-	-	92	-
Long-Term Debt Repaid	-25	-	-50	-	-5
Net Debt Issued (Repaid)	-25	-	-50	92	-5
Repurchase of Common Stock	-7.43	-5.97	-4.54	-	-0.29
Common Dividends Paid	-2.34	-2.18	-2.09	-1.96	-1.86
Total Dividends Paid	-2.34	-2.18	-2.09	-1.96	-1.86
Net Increase (Decrease) in Deposit Accounts	693.8	133.85	878.36	116.29	315.57
Other Financing Activities	-70.96	15.11	-12.82	127.76	-
Financing Cash Flow	588.07	140.81	808.91	334.09	308.42
Net Cash Flow	328.81	-400.37	402.44	-14.47	-31.96
Free Cash Flow	75.47	61.25	69.93	63.34	53.46
Free Cash Flow Growth	23.22%	-12.42%	10.40%	18.48%	18.52%
Free Cash Flow Margin	54.07%	42.61%	57.72%	63.25%	57.61%
Free Cash Flow Per Share	5.17	4.16	4.69	4.27	3.62
Cash Interest Paid	140.2	144.69	86.94	18.18	12.45
Cash Income Tax Paid	27.59	33.48	27.84	21.23	20.96

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