Preferred Bank Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	133.63	130.66	150.04	128.85	95.24
Depreciation & Amortization	1.75	2.15	1.72	1.89	1.9
Other Amortization	0.24	0.24	0.24	0.24	1.1
Gain (Loss) on Sale of Assets	-3.61	-	-	0.43	-
Gain (Loss) on Sale of Investments	15.35	7.42	16.13	8.13	4.42
Total Asset Writedown	4.78	1.63	1.9	-0.95	-
Provision for Credit Losses	9.1	12.1	10	7.35	-1
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.81	-1.2	0.39	-	0.02
Accrued Interest Receivable	-19.53	9.73	-11.74	-8.62	7.86
Change in Income Taxes	-1.69	0.2	-2.39	-	-
Other Operating Activities	-4.8	-4.47	-9.04	-7.58	-5.1
Operating Cash Flow	168.14	164.52	175.39	143.76	119.63
Operating Cash Flow Growth	2.20%	-6.20%	22.01%	20.16%	15.29%
Capital Expenditures	-1.35	-0.92	-2.42	-0.36	-0.6
Investment in Securities	-222.83	-37.43	94.47	-36.89	-231.58
Net Decrease (Increase) in Loans Originated / Sold - Investing	-421.88	-383.36	-193.46	-649.56	-387.83
Other Investing Activities	-	0.09	-	-15.33	-
Investing Cash Flow	-623.8	-421.62	-98.03	-699.89	-620.01
Long-Term Debt Issued	200	-	-	-	147.63
Long-Term Debt Repaid	-	-	-	-	-100
Net Debt Issued (Repaid)	200	-	-	-	47.63
Repurchase of Common Stock	-93.1	-38.25	-55.24	-33.29	-17.72
Common Dividends Paid	-38.25	-37.5	-31.14	-25.14	-21.43
Net Increase (Decrease) in Deposit Accounts	428.6	207.51	152.35	331.49	783.03
Financing Cash Flow	497.24	131.76	65.97	273.05	791.52
Net Cash Flow	41.58	-125.34	143.33	-283.08	291.15
Free Cash Flow	166.79	163.61	172.98	143.4	119.03
Free Cash Flow Growth	1.94%	-5.42%	20.63%	20.47%	16.39%
Free Cash Flow Margin	59.30%	59.69%	60.38%	57.39%	62.28%
Free Cash Flow Per Share	12.99	12.07	12.13	9.68	8.01
Cash Interest Paid	215.64	236.08	175.1	45.13	25.69
Cash Income Tax Paid	41.49	46.33	58.39	43.67	29.29

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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