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 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	23.01	18.04	16.66	18.17	11.09
Depreciation & Amortization	1.65	1.22	0.98	0.75	0.44
Gain (Loss) on Sale of Assets	-0.38	-0.11	-0.03	-0.94	-
Gain (Loss) on Sale of Investments	-7.67	0.22	0.91	-0.6	-1.55
Provision for Credit Losses	0.17	0.29	0.1	1.21	1.6
Accrued Interest Receivable	-4.86	-0.48	-1.45	-3.07	-0.87
Change in Accounts Payable	-	-	0.86	0.47	-0.74
Change in Other Net Operating Assets	0.96	0.26	-1.07	-0.13	-0.87
Other Operating Activities	0.76	-0.92	0.95	-0.6	0.91
Operating Cash Flow	13.02	19	20.16	15.66	9.99
Operating Cash Flow Growth	-31.49%	-5.76%	28.75%	56.69%	54.93%
Capital Expenditures	-9.74	-8.27	-4.39	-11.66	-6
Sale of Property, Plant and Equipment	5.48	1.87	0.52	5.6	-
Investment in Securities	-327.2	50.27	-6.91	-255.84	-76.87
Net Decrease (Increase) in Loans Originated / Sold - Investing	-35.16	-4.46	-207.67	-109.22	-126.08
Other Investing Activities	-8.11	5.47	-7.73	-0.97	-1.5
Investing Cash Flow	-374.74	44.87	-226.17	-372.09	-210.45
Short-Term Debt Issued	172.26	-	85.9	52.18	-
Long-Term Debt Issued	-	-	30	-	-
Total Debt Issued	172.26	-	115.9	52.18	-
Short-Term Debt Repaid	-	-31.11	-	-	-
Total Debt Repaid	-	-31.11	-	-	-
Net Debt Issued (Repaid)	172.26	-31.11	115.9	52.18	-
Issuance of Common Stock	-	-	-	-	0.23
Net Increase (Decrease) in Deposit Accounts	190.26	-35.55	90.43	291.87	205.77
Financing Cash Flow	362.52	-66.66	206.33	344.04	206
Net Cash Flow	0.79	-2.79	0.33	-12.39	5.54
Free Cash Flow	3.27	10.72	15.77	4	3.99
Free Cash Flow Growth	-69.48%	-32.02%	294.45%	0.25%	169.71%
Free Cash Flow Margin	6.19%	24.75%	42.18%	11.62%	17.74%
Free Cash Flow Per Share	0.76	2.49	3.67	0.94	0.93
Cash Interest Paid	30.26	30.13	24.02	4.49	0.87
Cash Income Tax Paid	5.87	4.2	3.05	3.45	2.82

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