WCF Bancorp, Inc. (WCFB)

WCF Bancorp 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	-0.04	-0.16	0.62	0.72
Depreciation & Amortization	0.38	0.27	0.3	0.38
Gain (Loss) on Sale of Assets	-0.01	0.01	-0	-0.04
Gain (Loss) on Sale of Investments	-0.03	-0.04	-0.06	-0.08
Provision for Credit Losses	0.16	0.1	0.12	0.13
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	0.18	-0.1
Accrued Interest Receivable	-0.94	-0.81	-0.5	-0.06
Change in Income Taxes	0.13	-0.03	-0.05	0.01
Change in Other Net Operating Assets	0.07	-0.04	0.23	-0.01
Other Operating Activities	-0.33	-0.34	-0.03	-0.04
Operating Cash Flow	-0.34	0.07	1.06	0.92
Operating Cash Flow Growth	-	-93.01%	14.60%	192.30%
Capital Expenditures	-1.17	-2.58	-0.76	-0.13
Sale of Property, Plant and Equipment	0.07	0.01	0.04	0.05
Investment in Securities	-4.83	5.03	3.68	3.03
Net Decrease (Increase) in Loans Originated / Sold - Investing	-21.27	-27.62	-29.98	-4.54
Other Investing Activities	-0.58	-0.58	-0.18	0.11
Investing Cash Flow	-27.77	-25.74	-27.2	-1.49
Short-Term Debt Issued	-	-	1.69	-
Long-Term Debt Issued	27.95	18	19.1	2
Total Debt Issued	27.95	18	20.79	2
Short-Term Debt Repaid	-	-1.69	-	-5
Long-Term Debt Repaid	-15.55	-5.6	-14.4	-5
Total Debt Repaid	-15.55	-7.29	-14.4	-10
Net Debt Issued (Repaid)	12.4	10.71	6.39	-8
Repurchase of Common Stock	-0.11	-0.51	-1.33	-0.42
Common Dividends Paid	-0.38	-0.38	-0.4	-0.42
Net Increase (Decrease) in Deposit Accounts	19.04	23.96	20.52	3.22
Financing Cash Flow	30.95	33.78	25.18	-5.62
Net Cash Flow	2.85	8.11	-0.97	-6.19
Free Cash Flow	-1.5	-2.51	0.29	0.79
Free Cash Flow Growth	-	-	-62.61%	181.48%
Free Cash Flow Margin	-27.41%	-47.26%	5.79%	16.85%
Free Cash Flow Per Share	-0.80	-1.32	0.15	0.38
Cash Interest Paid	6.1	2.55	0.65	0.57
Cash Income Tax Paid	-	0	0.01	-

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