Skyline Bankshares 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	15.84	7.43	9.7	10.28	9.48
Depreciation & Amortization	2.8	2.52	2.25	2.17	2.09
Gain (Loss) on Sale of Assets	0.03	-	-0.19	0.01	0.01
Gain (Loss) on Sale of Investments	0.02	0.21	0.16	0.25	0.1
Total Asset Writedown	-	-	-	0.07	-
Provision for Credit Losses	0.87	1.12	-0.05	0.61	0.72
Accrued Interest Receivable	-0.53	-0.14	-0.48	-0.62	-0.01
Change in Other Net Operating Assets	0.14	0.12	-0.61	-2.77	-2.23
Other Operating Activities	0.35	1.23	-0.12	0.68	0.33
Operating Cash Flow	18.77	12.74	11.34	10.63	9.55
Operating Cash Flow Growth	47.39%	12.30%	6.71%	11.27%	45.58%
Capital Expenditures	-8.13	-3.7	-2.84	-3.8	-5.83
Sale of Property, Plant and Equipment	-	-	1.72	0.9	0.06
Cash Acquisitions	-	-17.73	-	-	-
Investment in Securities	11.26	55.7	11.38	-30.32	-98.91
Net Decrease (Increase) in Loans Originated / Sold - Investing	-72.88	-79.14	-62.69	-71.01	-18.44
Other Investing Activities	1	0.52	-0.94	-2.98	0.45
Investing Cash Flow	-68.74	-44.36	-53.38	-107.22	-122.67
Short-Term Debt Issued	308.5	189.25	27.5	0.15	3.2
Total Debt Issued	308.5	189.25	27.5	0.15	3.2
Short-Term Debt Repaid	-337.75	-195.59	-	-8.35	-
Long-Term Debt Repaid	-	-	-	-	-5
Total Debt Repaid	-337.75	-195.59	-	-8.35	-5
Net Debt Issued (Repaid)	-29.25	-6.33	27.5	-8.2	-1.8
Repurchase of Common Stock	-	-0.23	-0.51	-0.15	-6.31
Common Dividends Paid	-2.94	-2.58	-2.35	-1.8	-1.62
Net Increase (Decrease) in Deposit Accounts	85.9	38.12	8.43	22.15	142.81
Financing Cash Flow	53.71	28.98	33.07	12	133.08
Net Cash Flow	3.74	-2.64	-8.97	-84.59	19.96
Free Cash Flow	10.65	9.04	8.5	6.84	3.73
Free Cash Flow Growth	17.81%	6.31%	24.36%	83.34%	82.39%
Free Cash Flow Margin	18.57%	19.80%	19.95%	16.96%	9.87%
Free Cash Flow Per Share	1.91	1.63	1.52	1.22	0.63
Cash Interest Paid	15.77	13.65	7.33	1.91	2.48
Cash Income Tax Paid	2.71	1.16	2.32	1.22	2.27

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