West Coast Community Bancorp (WCCB)

WCCB Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	29.58	35.15	30.94	21.27
Depreciation & Amortization	2.61	1.73	1.41	1.57
Gain (Loss) on Sale of Assets	0.51	-0.25	-	-
Gain (Loss) on Sale of Investments	0.14	1.68	1.95	1.04
Provision for Credit Losses	6.93	0.55	1.59	6.86
Net Decrease (Increase) in Loans Originated / Sold - Operating	-19.56	-15.89	-15.6	-42.28
Accrued Interest Receivable	7.96	-0.74	-3.06	1.4
Change in Other Net Operating Assets	0.33	1.15	-3.67	-4.32
Other Operating Activities	-1.27	0.87	-0.55	-0.54
Operating Cash Flow	23.73	24.11	10.01	-14.84
Operating Cash Flow Growth	-1.58%	140.80%	-	-
Capital Expenditures	-0.94	-1.27	-3.74	-3
Sale of Property, Plant and Equipment	1.91	4.15	-	-
Cash Acquisitions	43.11	-	-	-
Investment in Securities	127.1	84.97	-83.5	-190.41
Net Decrease (Increase) in Loans Originated / Sold - Investing	-6.79	-130.64	-45.43	78.75
Other Investing Activities	-1.26	-0.26	-2.7	-3.12
Investing Cash Flow	163.13	-43.06	-135.37	-117.77
Long-Term Debt Issued	-	32.5	-	6.8
Total Debt Issued	-	32.5	-	6.8
Long-Term Debt Repaid	-32.5	-	-	-47.16
Total Debt Repaid	-32.5	-	-	-47.16
Net Debt Issued (Repaid)	-32.5	32.5	-	-40.36
Issuance of Common Stock	0.58	0.24	0.22	0.2
Repurchase of Common Stock	-0.01	-3	-2	-
Common Dividends Paid	-6.17	-3.86	-4.04	-1.89
Net Increase (Decrease) in Deposit Accounts	-97.92	-15.69	34.45	301.55
Other Financing Activities	-0.02	-	-	-
Financing Cash Flow	-136.04	10.19	28.63	259.5
Net Cash Flow	50.82	-8.76	-96.73	126.89
Free Cash Flow	22.79	22.84	6.27	-17.84
Free Cash Flow Growth	-0.22%	264.32%	-	-
Free Cash Flow Margin	24.73%	26.89%	8.57%	-30.00%
Free Cash Flow Per Share	2.53	2.71	0.73	-2.09
Cash Interest Paid	24.19	11.35	1.71	1.88
Cash Income Tax Paid	13.83	13.82	17	7.5

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