Banner Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	168.9	183.62	195.38	201.05
Depreciation & Amortization	20.7	21.63	22.21	23.92
Gain (Loss) on Sale of Assets	-0.32	-0.35	-7.7	-2.31
Gain (Loss) on Sale of Investments	6.17	23.46	2.44	-5.1
Provision for Credit Losses	7.58	10.79	10.36	-33.39
Net Decrease (Increase) in Loans Originated / Sold - Operating	116.62	23.7	8.72	173.45
Change in Other Net Operating Assets	-21.72	4.1	-4.78	-8.88
Other Operating Activities	-8.6	-12.76	7.11	-30.28
Operating Cash Flow	293.19	257.2	238.05	301.58
Operating Cash Flow Growth	13.99%	8.04%	-21.07%	140.52%
Capital Expenditures	-13.75	-14.65	-14.72	-10.49
Investment in Securities	306.69	842.23	-211.16	-1,810
Divestitures	-	-	-168.14	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-670.65	-629.92	-1,010	836.83
Other Investing Activities	6.54	-5.73	-40.51	-31.58
Investing Cash Flow	-371.17	191.93	-1,445	-1,015
Short-Term Debt Issued	-	273	50	-
Long-Term Debt Issued	-	-	1.52	79.95
Total Debt Issued	-	273	51.52	79.95
Short-Term Debt Repaid	-33	-	-	-
Long-Term Debt Repaid	-57.62	-49.92	-132.21	-108.25
Total Debt Repaid	-90.62	-49.92	-132.21	-108.25
Net Debt Issued (Repaid)	-90.62	223.08	-80.69	-28.3
Repurchase of Common Stock	-2.17	-3.48	-14.29	-59.76
Common Dividends Paid	-66.73	-66.77	-61.08	-57.62
Net Increase (Decrease) in Deposit Accounts	484.9	-590.56	-528.67	1,760
Financing Cash Flow	325.38	-437.73	-684.73	1,614
Net Cash Flow	247.39	11.4	-1,891	900.12
Free Cash Flow	279.44	242.55	223.33	291.09
Free Cash Flow Growth	15.21%	8.61%	-23.28%	158.55%
Free Cash Flow Margin	46.49%	39.79%	36.13%	46.45%
Free Cash Flow Per Share	8.07	7.04	6.48	8.34
Cash Interest Paid	224.81	110.85	18.58	24.28
Cash Income Tax Paid	24.19	38.67	24.89	29.02

Updated Jan 21, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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