Solera National Bancorp 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	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	18.04	16.66	18.17	11.09	5.93
Depreciation & Amortization	1.22	0.98	0.75	0.44	0.22
Gain (Loss) on Sale of Assets	-0.11	-0.03	-0.94	-	-
Gain (Loss) on Sale of Investments	0.22	0.91	-0.6	-1.55	-0.89
Provision for Credit Losses	0.29	0.1	1.21	1.6	2.15
Accrued Interest Receivable	-0.48	-1.45	-3.07	-0.87	-0.81
Change in Accounts Payable	-0.53	0.86	0.47	-0.74	1.07
Change in Other Net Operating Assets	0.17	-1.07	-0.13	-0.87	-1.37
Other Operating Activities	-0.29	0.95	-0.6	0.91	0.3
Operating Cash Flow	19	20.16	15.66	9.99	6.45
Operating Cash Flow Growth	-5.76%	28.75%	56.69%	54.93%	33.40%
Capital Expenditures	-8.27	-4.39	-11.66	-6	-4.97
Sale of Property, Plant and Equipment	1.87	0.52	5.6	-	0
Investment in Securities	50.27	-6.91	-255.84	-76.87	-10.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4.46	-207.67	-109.22	-126.08	-127.81
Other Investing Activities	5.47	-7.73	-0.97	-1.5	-0.07
Investing Cash Flow	44.87	-226.17	-372.09	-210.45	-143.68
Short-Term Debt Issued	-	85.9	52.18	-	-
Long-Term Debt Issued	0.7	30	-	-	-
Total Debt Issued	0.7	115.9	52.18	-	-
Short-Term Debt Repaid	-31.81	-	-	-	-
Total Debt Repaid	-31.81	-	-	-	-
Net Debt Issued (Repaid)	-31.11	115.9	52.18	-	-
Issuance of Common Stock	-	-	-	0.23	0.93
Net Increase (Decrease) in Deposit Accounts	-35.55	90.43	291.87	205.77	145.18
Financing Cash Flow	-66.66	206.33	344.04	206	146.11
Net Cash Flow	-2.79	0.33	-12.39	5.54	8.88
Free Cash Flow	10.72	15.77	4	3.99	1.48
Free Cash Flow Growth	-32.02%	294.45%	0.25%	169.71%	-
Free Cash Flow Margin	24.75%	42.18%	11.62%	17.74%	11.00%
Free Cash Flow Per Share	2.49	3.67	0.94	0.93	0.35
Cash Interest Paid	30.13	24.02	4.49	0.87	1.11
Cash Income Tax Paid	4.2	3.05	3.45	2.82	2.55

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