Savi Financial Corporation, Inc. (SVVB)

SVVB Cash Flow Statement

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

Fiscal Year	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	3.58	1.35	1.41
Depreciation & Amortization	1.09	0.9	0.67
Gain (Loss) on Sale of Assets	0.08	-0.07	-0.01
Gain (Loss) on Sale of Investments	0.07	0.03	0.04
Provision for Credit Losses	0.82	1.22	0.43
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.32	-	-
Change in Other Net Operating Assets	0.54	-0.63	-0.34
Other Operating Activities	0.27	0.19	0.28
Operating Cash Flow	0.93	2.46	2.15
Operating Cash Flow Growth	-61.97%	14.48%	-0.41%
Capital Expenditures	-0.84	-1.23	-5.08
Sale of Property, Plant and Equipment	-	-	1.91
Investment in Securities	-15.54	-9.42	1.42
Net Decrease (Increase) in Loans Originated / Sold - Investing	0.15	-81.32	-36.3
Other Investing Activities	11.26	0.15	-0.18
Investing Cash Flow	-4.83	-91.57	-38.05
Long-Term Debt Issued	2.5	-	3
Long-Term Debt Repaid	-20	-5	-
Net Debt Issued (Repaid)	-17.5	-5	3
Issuance of Common Stock	0.03	-	0.07
Net Increase (Decrease) in Deposit Accounts	59.44	100.3	40.19
Financing Cash Flow	41.96	95.3	43.26
Net Cash Flow	38.07	6.18	7.36
Free Cash Flow	0.1	1.23	-2.93
Free Cash Flow Growth	-92.23%	-	-
Free Cash Flow Margin	0.44%	8.92%	-22.98%
Free Cash Flow Per Share	0.03	0.36	-0.85
Cash Interest Paid	1.66	2.71	3.11
Cash Income Tax Paid	0.44	-	-

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