Summit Bank Group, Inc. (SBKO)

Summit Bank Group Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	11.31	8.92	13.55	10.87	7.93
Depreciation & Amortization	0.87	0.64	0.53	0.52	0.5
Other Amortization	0.06	0.04	0.04	0	-
Gain (Loss) on Sale of Assets	1.63	1.82	0.07	-0.05	0.36
Gain (Loss) on Sale of Investments	0.2	0.3	0.34	0.16	0.01
Provision for Credit Losses	7.39	8.97	4.66	2.21	3.78
Accrued Interest Receivable	-1.94	-0.63	-1.79	-0.21	-0.4
Other Operating Activities	-0.23	-1.07	-0.58	-0.17	0.08
Operating Cash Flow	22.06	22.09	15.59	11.3	16.31
Operating Cash Flow Growth	-0.11%	41.66%	37.98%	-30.70%	133.13%
Capital Expenditures	-2.26	-3.91	-1.14	-0.99	-0.19
Investment in Securities	13.67	7.78	-0.35	-59.28	-4.87
Net Decrease (Increase) in Loans Originated / Sold - Investing	-136.49	-190.46	-132.56	-52	-133.15
Other Investing Activities	3.52	1.58	-1	-1.66	1.06
Investing Cash Flow	-121.57	-185	-135.05	-113.93	-137.15
Short-Term Debt Issued	-	37.11	-	-	20.82
Long-Term Debt Issued	-	-	-	19.59	-
Total Debt Issued	-	37.11	-	19.59	20.82
Short-Term Debt Repaid	-37.03	-	-0	-21.04	-
Long-Term Debt Repaid	-0.88	-	-	-	-
Total Debt Repaid	-37.91	-	-0	-21.04	-
Net Debt Issued (Repaid)	-37.91	37.11	-0	-1.44	20.82
Issuance of Common Stock	-	0.06	0.33	0.19	8.03
Net Increase (Decrease) in Deposit Accounts	196.94	59.82	62.45	137.53	205.67
Financing Cash Flow	159.04	97	62.78	136.28	234.52
Net Cash Flow	59.53	-65.92	-56.67	33.65	113.68
Free Cash Flow	19.8	18.18	14.45	10.32	16.12
Free Cash Flow Growth	8.94%	25.80%	40.06%	-36.01%	166.25%
Free Cash Flow Margin	44.40%	47.81%	36.73%	30.75%	61.16%
Free Cash Flow Per Share	2.54	2.35	1.88	1.35	2.25
Cash Interest Paid	26.8	18.8	4.31	0.67	1.3
Cash Income Tax Paid	3.26	2.82	4.51	3.77	1.93

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