SouthPoint Bancshares, Inc. (SOUB)

SouthPoint Bancshares Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-9.36	15.59	12.63	7.77	7.33
Depreciation & Amortization	1.5	1.17	0.85	0.65	0.54
Other Amortization	0.15	0.21	-	-	-
Gain (Loss) on Sale of Assets	0.02	0.14	-0.01	0.03	-0.01
Gain (Loss) on Sale of Investments	0.17	0.19	0.29	-1.19	0.15
Provision for Credit Losses	41.4	5.4	3.48	4.12	2.25
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.73	0.47	5.03	6.52	-5.63
Accrued Interest Receivable	0.09	-3.44	-1.28	0.01	-1.22
Change in Other Net Operating Assets	-6.96	7.37	1.05	1.28	-0.18
Other Operating Activities	-9.06	-1.92	0.91	-1.05	-0.24
Operating Cash Flow	15.34	25.31	23.05	18.25	3.08
Operating Cash Flow Growth	-39.40%	9.83%	26.27%	493.30%	-28.71%
Capital Expenditures	-2.11	-3.34	-4.82	-0.07	-0.92
Sale of Property, Plant and Equipment	-	0.91	0.01	-	-
Cash Acquisitions	-	-	76.17	-	-
Investment in Securities	-26.09	5.2	86.62	31.52	-40.59
Net Decrease (Increase) in Loans Originated / Sold - Investing	-61.64	-332.94	-358.44	-159.37	-109.81
Other Investing Activities	-0.64	-0.79	-4.55	-0.98	-2.21
Investing Cash Flow	-90.48	-330.95	-205.02	-128.9	-153.52
Long-Term Debt Issued	40	3	271.42	30	89.3
Long-Term Debt Repaid	-168	-200	-	-36.96	-1
Net Debt Issued (Repaid)	-128	-197	271.42	-6.96	88.3
Net Increase (Decrease) in Deposit Accounts	246.72	466.36	-4.3	140.88	65.27
Other Financing Activities	-	-	-	-0.56	-
Financing Cash Flow	118.72	269.36	267.12	133.36	153.57
Net Cash Flow	43.58	-36.28	85.14	22.7	3.12
Free Cash Flow	13.23	21.97	18.22	18.18	2.16
Free Cash Flow Growth	-39.79%	20.57%	0.22%	742.29%	-47.17%
Free Cash Flow Margin	62.99%	40.89%	37.72%	52.82%	7.05%
Free Cash Flow Per Share	4.56	6.87	6.33	9.00	1.07
Cash Interest Paid	61.61	40.26	9.13	3.68	4.62
Cash Income Tax Paid	10.15	-	3.71	3.23	3.28

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