ECB Bancorp 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	6.62	3.99	4.46	2.72	4.04	4.86
Depreciation & Amortization	0.3	0.3	0.28	0.3	0.3	0.35
Other Amortization	0.32	0.28	-0.03	-	-	0.29
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0
Gain (Loss) on Sale of Investments	-0.18	-0.06	0.03	0.18	0.34	0.18
Provision for Credit Losses	0.98	0.17	0.8	2.94	0.36	0.29
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.84	0.12	0.02	1.39	-0.41	-0.03
Accrued Interest Receivable	-1.09	-0.25	-1.13	-1.15	0.34	-0.37
Change in Other Net Operating Assets	0.69	0.74	0.43	2.14	1.23	0.81
Other Operating Activities	-0.41	-0.72	-0.59	-1.91	0.7	-0.89
Operating Cash Flow	9.77	6.3	6.43	7.77	6.45	5.08
Operating Cash Flow Growth	119.55%	-2.13%	-17.19%	20.48%	27.02%	-
Capital Expenditures	-0.14	-0.06	-0.34	-0.22	-0.1	-0.11
Sale of Property, Plant and Equipment	-	-	-	-	-	0
Investment in Securities	-18.5	2.11	0.87	-12.5	-12.94	-16.14
Net Decrease (Increase) in Loans Originated / Sold - Investing	-191.96	-97.23	-155.48	-371.31	-50.51	-40.97
Other Investing Activities	-1.25	-0.11	-2.35	-5.31	-4.67	1.54
Investing Cash Flow	-211.85	-95.29	-157.29	-389.34	-68.22	-55.68
Short-Term Debt Issued	-	15	-	75	-	-
Long-Term Debt Issued	-	55	195	110	4	10
Total Debt Issued	50.82	70	195	185	4	10
Short-Term Debt Repaid	-	-	-55	-	-	-
Long-Term Debt Repaid	-	-70	-80	-20	-13	-14
Total Debt Repaid	-25	-70	-135	-20	-13	-14
Net Debt Issued (Repaid)	25.82	-	60	165	-9	-4
Issuance of Common Stock	-	-	-	79.25	-	-
Repurchase of Common Stock	-5	-2.72	-2.23	-	-	-
Net Increase (Decrease) in Deposit Accounts	164.28	130.32	150.07	146.4	80.33	67.59
Other Financing Activities	-0.03	-0.02	-	-	-	-
Financing Cash Flow	185.07	127.57	207.84	390.64	71.33	63.59
Net Cash Flow	-17.01	38.58	56.99	9.08	9.56	12.99
Free Cash Flow	9.63	6.24	6.1	7.55	6.35	4.97
Free Cash Flow Growth	124.45%	2.26%	-19.26%	19.05%	27.74%	-
Free Cash Flow Margin	32.25%	23.95%	24.36%	34.18%	32.45%	29.50%
Free Cash Flow Per Share	1.16	0.75	0.72	0.89	-	-
Cash Interest Paid	45.34	42.04	28.53	4.83	3.66	5.68
Cash Income Tax Paid	1.92	1.57	2.26	1.98	2.41	2.22

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

SEC Filings: 10-K · 10-Q