Summit Bank Group 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	14.36	11.31	8.92	13.55	10.87
Depreciation & Amortization	1.03	0.87	0.64	0.53	0.52
Other Amortization	0.04	0.06	0.04	0.04	0
Gain (Loss) on Sale of Assets	0.33	1.63	1.82	0.07	-0.05
Gain (Loss) on Sale of Investments	0.05	0.2	0.3	0.34	0.16
Provision for Credit Losses	6.11	7.39	8.97	4.66	2.21
Accrued Interest Receivable	4.79	-1.94	-0.63	-1.79	-0.21
Other Operating Activities	-0.99	-0.23	-1.07	-0.58	-0.17
Operating Cash Flow	27.28	22.06	22.09	15.59	11.3
Operating Cash Flow Growth	23.67%	-0.11%	41.66%	37.98%	-30.70%
Capital Expenditures	-	-2.26	-3.91	-1.14	-0.99
Sale of Property, Plant and Equipment	0.2	-	-	-	-
Investment in Securities	23.71	13.67	7.78	-0.35	-59.28
Net Decrease (Increase) in Loans Originated / Sold - Investing	-72.24	-136.49	-190.46	-132.56	-52
Other Investing Activities	1.4	3.52	1.58	-1	-1.66
Investing Cash Flow	-46.93	-121.57	-185	-135.05	-113.93
Short-Term Debt Issued	0.44	-	37.11	-	-
Long-Term Debt Issued	-	-	-	-	19.59
Total Debt Issued	0.44	-	37.11	-	19.59
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)	0.44	-37.91	37.11	-0	-1.44
Issuance of Common Stock	-	-	0.06	0.33	0.19
Net Increase (Decrease) in Deposit Accounts	7.96	196.94	59.82	62.45	137.53
Other Financing Activities	-0.04	-	-	-	-
Financing Cash Flow	8.35	159.04	97	62.78	136.28
Net Cash Flow	-11.29	59.53	-65.92	-56.67	33.65
Free Cash Flow	27.28	19.8	18.18	14.45	10.32
Free Cash Flow Growth	37.80%	8.94%	25.80%	40.06%	-36.01%
Free Cash Flow Margin	52.48%	44.40%	47.81%	36.73%	30.75%
Free Cash Flow Per Share	3.48	2.54	2.35	1.88	1.35
Cash Interest Paid	24.97	26.8	18.8	4.31	0.67
Cash Income Tax Paid	5.77	3.26	2.82	4.51	3.77

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