Southeastern Banking Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2022	FY 2021	FY 2020
Period Ending	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	9.06	7.5	5.71
Depreciation & Amortization	1.41	1.56	1.48
Gain (Loss) on Sale of Assets	-0.41	-0.43	-0.11
Gain (Loss) on Sale of Investments	-	-	-0.03
Total Asset Writedown	-	0.09	0.08
Provision for Credit Losses	-	-0.85	1.18
Accrued Interest Receivable	-0.41	0.07	-0.14
Change in Income Taxes	0.39	-0.01	-0.33
Change in Other Net Operating Assets	-0.04	-0.07	-0.34
Other Operating Activities	0.25	0.31	-0.58
Operating Cash Flow	10.24	8.12	6.86
Operating Cash Flow Growth	26.09%	18.45%	-17.54%
Capital Expenditures	-0.18	-0.21	-0.08
Sale of Property, Plant and Equipment	1.3	1.06	0.38
Investment in Securities	-42.63	-37.02	-14.67
Net Decrease (Increase) in Loans Originated / Sold - Investing	-33.44	-28.39	-24.11
Other Investing Activities	-0.05	-3.1	-0.03
Investing Cash Flow	-75	-67.66	-38.51
Short-Term Debt Issued	-	-	18
Total Debt Issued	-	-	18
Short-Term Debt Repaid	-	-	-18
Total Debt Repaid	-	-	-18
Common Dividends Paid	-2.02	-5.14	-1.89
Net Increase (Decrease) in Deposit Accounts	35.57	98.3	77.24
Financing Cash Flow	33.55	93.17	75.35
Net Cash Flow	-31.21	33.63	43.69
Free Cash Flow	10.06	7.91	6.78
Free Cash Flow Growth	27.10%	16.70%	-15.29%
Free Cash Flow Margin	39.34%	34.88%	34.71%
Free Cash Flow Per Share	3.19	2.51	2.15
Cash Interest Paid	0.42	0.45	0.73
Cash Income Tax Paid	1.83	1.8	2.21

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.