Steele 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	22.89	4.48	4.15	5.98	5.95
Depreciation & Amortization	1.78	0.48	0.46	0.45	0.42
Gain (Loss) on Sale of Assets	-0.04	0	-0	-	-
Gain (Loss) on Sale of Investments	-1.01	-0.24	0.33	0.18	0.19
Provision for Credit Losses	5.19	0.68	-0.23	-	0.05
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.26	0.1	0.05	0.27	0.66
Accrued Interest Receivable	0.03	-0.2	-0.23	-0.28	0.11
Change in Other Net Operating Assets	-0.42	-0.26	-0.25	-0.22	-0.22
Other Operating Activities	-14.84	0.29	0.46	-0.7	0.45
Operating Cash Flow	13.25	5.61	5.78	5.5	6.75
Operating Cash Flow Growth	136.25%	-3.03%	5.26%	-18.57%	28.88%
Capital Expenditures	-0.18	-0.19	-0.22	-0.29	-0.48
Sale of Property, Plant and Equipment	0.12	-	0.04	-	-
Cash Acquisitions	43.36	-	-	-	-
Investment in Securities	70.18	9.76	12.61	-19.68	-11.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-52.36	-48.47	-19.11	-29.78	-16.7
Other Investing Activities	2.64	-1.17	-0.38	-0.98	0.55
Investing Cash Flow	63.76	-40.06	-7.07	-50.73	-28.44
Short-Term Debt Issued	-	-	9.94	-	-
Long-Term Debt Issued	0.45	28.55	4	24.75	-
Total Debt Issued	0.45	28.55	13.94	24.75	-
Short-Term Debt Repaid	-	-9.94	-	-	-
Long-Term Debt Repaid	-57.55	-1.29	-20.41	-20.47	-13.79
Total Debt Repaid	-57.55	-11.22	-20.41	-20.47	-13.79
Net Debt Issued (Repaid)	-57.1	17.33	-6.47	4.28	-13.79
Issuance of Common Stock	-	-	0.1	0.28	0.03
Repurchase of Common Stock	-	-	-	-0.8	-0.03
Common Dividends Paid	-3.93	-2.7	-2.62	-2.56	-2.45
Net Increase (Decrease) in Deposit Accounts	23.85	16.79	11.94	-4.96	55.61
Financing Cash Flow	-37.18	31.42	2.95	-3.77	39.36
Net Cash Flow	39.83	-3.03	1.67	-49.01	17.67
Free Cash Flow	13.07	5.42	5.57	5.2	6.27
Free Cash Flow Growth	141.30%	-2.70%	6.98%	-17.03%	62.50%
Free Cash Flow Margin	42.15%	30.15%	34.51%	29.04%	34.57%
Free Cash Flow Per Share	5.22	2.91	3.00	2.78	3.35
Cash Interest Paid	14.45	9.48	6.39	2.06	1.71
Cash Income Tax Paid	1.37	0.95	0.78	0.9	1.14

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