Uwharrie Capital Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	9.98	9.34	8.03	7.68	9.52	7.54
Depreciation & Amortization	2.55	2.7	2.72	2.83	3.05	2.59
Other Amortization	0.13	-	-	-	-	-
Gain (Loss) on Sale of Assets	0.06	0.15	-0.17	-0.14	-0.02	0.07
Gain (Loss) on Sale of Investments	2.13	1.71	1.38	4.32	1.38	-1.53
Provision for Credit Losses	1.07	0.53	1.51	-1.76	-0.92	2.39
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.53	0.31	-1.4	20.74	-8.79	-17.89
Accrued Interest Receivable	0.12	0.04	-0.76	-1.08	-0.03	-0.86
Change in Other Net Operating Assets	-1.39	-0.17	-0.94	0.07	0.22	0.06
Other Operating Activities	0.38	0.38	-0.23	1.17	0.71	0.42
Operating Cash Flow	13.68	14.08	9.34	30.9	-3.55	2.16
Operating Cash Flow Growth	8.30%	50.82%	-69.79%	-	-	-69.36%
Capital Expenditures	-0.84	-0.85	-1.8	-0.44	-0.77	-0.72
Sale of Property, Plant and Equipment	-	0.03	0.2	0.55	0.34	0.09
Investment in Securities	-18.28	3.68	-4	-36.83	-147.46	-115.42
Net Decrease (Increase) in Loans Originated / Sold - Investing	-30.82	-74.58	-94.95	-77.09	47.5	-109.76
Other Investing Activities	-0.05	-0.04	-0.24	1.03	0.25	-0.02
Investing Cash Flow	-49.8	-71.74	-100.79	-112.78	-100.13	-225.32
Short-Term Debt Issued	-	0.04	0.34	-	0.37	0.08
Long-Term Debt Issued	-	-	-	-	20	1
Total Debt Issued	-0.01	0.04	0.34	-	20.37	1.08
Short-Term Debt Repaid	-	-	-	-0.04	-	-
Long-Term Debt Repaid	-	-0.02	-0.58	-	-1	-
Total Debt Repaid	-1.37	-0.02	-0.58	-0.04	-1	-
Net Debt Issued (Repaid)	-1.38	0.02	-0.25	-0.04	19.37	1.08
Repurchase of Common Stock	-1.06	-1.48	-0.74	-0.46	-2.66	-1
Net Increase (Decrease) in Deposit Accounts	26.24	48.52	41.86	103.1	93.56	157.32
Other Financing Activities	-0.56	-0.57	-0.57	-0.57	-1.05	-0.57
Financing Cash Flow	23.24	46.5	40.31	102.04	109.22	156.84
Net Cash Flow	-12.88	-11.17	-51.15	20.17	5.54	-66.33
Free Cash Flow	12.84	13.24	7.54	30.47	-4.31	1.44
Free Cash Flow Growth	10.72%	75.54%	-75.25%	-	-	-73.70%
Free Cash Flow Margin	26.65%	29.33%	18.55%	76.88%	-9.39%	3.56%
Free Cash Flow Per Share	1.77	1.79	1.00	4.00	-0.55	0.18
Cash Interest Paid	19.17	18.62	12.63	3.64	1.53	2.25
Cash Income Tax Paid	3.46	3.06	2.43	1.22	2.74	2.27

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