NB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	12.92	9.83	30.07	21.58
Depreciation & Amortization	2.93	2.83	2.47	2.1
Other Amortization	1.56	4.42	2.52	-
Gain (Loss) on Sale of Assets	-	-	-	-0.5
Gain (Loss) on Sale of Investments	1.65	-0.24	0.07	-0.38
Provision for Credit Losses	16.65	14.05	7.2	5.49
Net Decrease (Increase) in Loans Originated / Sold - Operating	9.7	0.01	0.05	1.25
Accrued Interest Receivable	-2.83	-6.45	-3.3	1.02
Change in Income Taxes	4.13	4.13	-4.15	-0.21
Change in Other Net Operating Assets	-3.03	33.63	8.31	14.97
Other Operating Activities	-9.33	-9.23	-3.48	-0.23
Operating Cash Flow	36.05	52.96	39.71	43.84
Operating Cash Flow Growth	-33.10%	33.35%	-9.42%	-
Capital Expenditures	-1.62	-2.87	-8.5	-1.81
Sale of Property, Plant and Equipment	-	-	-	0.92
Investment in Securities	-3.1	56.87	-9.76	-107.55
Net Decrease (Increase) in Loans Originated / Sold - Investing	-554.28	-882.04	-913.8	83.72
Other Investing Activities	-41.2	-3.6	264.07	-17.23
Investing Cash Flow	-600.2	-831.62	-667.99	-41.94
Long-Term Debt Issued	-	-	292.83	-
Long-Term Debt Repaid	-	-9.74	-	-120.11
Net Debt Issued (Repaid)	-229.3	-9.74	292.83	-120.11
Issuance of Common Stock	417.46	417.46	-	-
Repurchase of Common Stock	-47.17	-13.77	-	-
Net Increase (Decrease) in Deposit Accounts	606.16	500.61	24.53	362.48
Other Financing Activities	0.22	0.17	0.41	0.06
Financing Cash Flow	747.37	894.71	317.77	242.43
Net Cash Flow	183.22	116.05	-310.51	244.33
Free Cash Flow	34.43	50.09	31.22	42.04
Free Cash Flow Growth	-29.24%	60.48%	-25.75%	-
Free Cash Flow Margin	23.42%	38.02%	29.32%	49.68%
Free Cash Flow Per Share	0.81	1.19	-	-
Cash Interest Paid	125.16	88.75	6.59	13.16
Cash Income Tax Paid	14.7	4.79	8.56	5.63

Source: S&P Capital IQ. Banks template. Financial Sources.