Triad Business Bank (TBBC)

Triad Business Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1.39	-4.3	-4.32	-0.36	-1.57
Depreciation & Amortization	0.08	0.09	0.09	0.09	0.08
Gain (Loss) on Sale of Assets	-	-0	-	-	-
Gain (Loss) on Sale of Investments	0.22	0.21	0.36	0.93	-0.03
Provision for Credit Losses	-0.19	3.79	2.92	1.32	1.19
Accrued Interest Receivable	0.15	-0.08	-0.31	-0.36	-0.24
Change in Other Net Operating Assets	0.82	0.27	-1.57	0.67	0.49
Other Operating Activities	-0	-0.01	-0	-	-
Operating Cash Flow	2.74	0.61	-1.54	3.05	0.33
Operating Cash Flow Growth	347.29%	-	-	812.75%	-
Capital Expenditures	-0.02	-0.05	-0.02	-0.02	-0.02
Sale of Property, Plant and Equipment	-	0.01	-	-	-
Investment in Securities	21.29	14.39	-0.38	-7.32	-129.38
Net Decrease (Increase) in Loans Originated / Sold - Investing	-27.39	-40.53	-61.09	-93.79	-28.01
Investing Cash Flow	-6.12	-26.18	-61.49	-101.13	-157.4
Long-Term Debt Issued	189.11	156.4	251	203.78	76.03
Long-Term Debt Repaid	-204.11	-141.4	-252	-201.82	-92.94
Net Debt Issued (Repaid)	-15	15	-1	1.97	-16.91
Issuance of Common Stock	-	5.96	-	-	14.97
Repurchase of Common Stock	-0.04	-0.05	-0.13	-	-
Net Increase (Decrease) in Deposit Accounts	12.17	-5	67.59	87.54	156.59
Financing Cash Flow	-2.87	15.91	66.46	89.51	154.64
Net Cash Flow	-6.25	-9.66	3.43	-8.57	-2.42
Free Cash Flow	2.73	0.56	-1.55	3.04	0.32
Free Cash Flow Growth	387.92%	-	-	850.97%	-
Free Cash Flow Margin	19.69%	6.55%	-18.13%	28.29%	4.55%
Free Cash Flow Per Share	0.34	0.08	-0.23	0.46	0.06
Cash Interest Paid	14.87	16.58	12.35	2.65	1.24
Cash Income Tax Paid	-	-	0.01	0.07	-

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