Southeastern Banking Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	10.64	10.59	9.06	7.5
Depreciation & Amortization	1.06	1.18	1.41	1.56
Gain (Loss) on Sale of Assets	-0.01	-1.26	-0.41	-0.43
Gain (Loss) on Sale of Investments	0.16	1.02	-	-
Total Asset Writedown	-	-	-	0.09
Provision for Credit Losses	0.34	-	-	-0.85
Accrued Interest Receivable	0.26	-0.27	-0.41	0.07
Change in Income Taxes	1.08	-0.04	0.39	-0.01
Change in Other Net Operating Assets	-0.03	0.15	-0.04	-0.07
Other Operating Activities	-0.12	0.18	0.24	0.31
Operating Cash Flow	13.58	11.62	10.24	8.12
Operating Cash Flow Growth	16.89%	13.46%	26.09%	18.45%
Capital Expenditures	-1.9	-1.04	-0.18	-0.21
Sale of Property, Plant and Equipment	0.03	1.41	1.3	1.06
Investment in Securities	48.34	16.05	-42.63	-37.02
Net Decrease (Increase) in Loans Originated / Sold - Investing	-37.68	-20.83	-33.44	-28.39
Other Investing Activities	0.04	-0.15	-0.05	-3.1
Investing Cash Flow	8.82	-4.56	-75	-67.66
Short-Term Debt Issued	47.5	-	-	-
Total Debt Issued	47.5	-	-	-
Short-Term Debt Repaid	-47.5	-	-	-
Total Debt Repaid	-47.5	-	-	-
Common Dividends Paid	-5.61	-2.21	-2.02	-5.14
Net Increase (Decrease) in Deposit Accounts	-21.77	-66.09	35.57	98.3
Financing Cash Flow	-27.38	-68.29	33.55	93.17
Net Cash Flow	-4.98	-61.23	-31.21	33.63
Free Cash Flow	11.67	10.57	10.06	7.91
Free Cash Flow Growth	10.42%	5.13%	27.10%	16.70%
Free Cash Flow Margin	39.31%	35.82%	39.34%	34.88%
Free Cash Flow Per Share	3.70	3.35	3.19	2.51
Cash Interest Paid	3.45	1.52	0.42	0.45
Cash Income Tax Paid	1.79	2.95	1.83	1.8

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