RVCB Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	5.91	6.86	5.35
Depreciation & Amortization	0.22	0.85	1.14
Gain (Loss) on Sale of Investments	0.01	-0	-0.09
Provision for Credit Losses	0.51	-	0.15
Accrued Interest Receivable	-2.73	1.4	0.41
Other Operating Activities	-0.46	-0.18	-0.24
Operating Cash Flow	4.99	8.17	5.14
Operating Cash Flow Growth	-38.90%	58.87%	15.68%
Capital Expenditures	-0.1	-0.06	-0.03
Investment in Securities	41.03	-55.05	-64.58
Net Decrease (Increase) in Loans Originated / Sold - Investing	-37.33	-7.41	8.39
Other Investing Activities	-	-	-4
Investing Cash Flow	3.6	-62.51	-60.21
Issuance of Common Stock	0.08	0.38	0.37
Repurchase of Common Stock	-0.08	-0.03	-0.11
Net Increase (Decrease) in Deposit Accounts	-59.31	43.34	102.86
Financing Cash Flow	-59.31	43.69	103.12
Net Cash Flow	-50.71	-10.65	48.05
Free Cash Flow	4.9	8.12	5.12
Free Cash Flow Growth	-39.66%	58.69%	157.20%
Free Cash Flow Margin	25.20%	42.10%	30.79%
Free Cash Flow Per Share	1.54	2.58	1.65
Cash Interest Paid	5.24	1.03	0.64
Cash Income Tax Paid	3.02	2.13	2.34

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