SBT 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	FY 2020
Period Ending	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	2.14	7.41	-14.19	23.39	-12.97
Depreciation & Amortization	1.31	1.58	2.18	4.03	4.52
Gain (Loss) on Sale of Assets	-	-0.23	-	-1.42	-
Gain (Loss) on Sale of Investments	-3.55	-2.89	-0.29	2.52	0.31
Provision for Credit Losses	-8.54	-8.53	-9.93	-8.27	54.87
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	0.25	5.16	11.17	-0.63
Accrued Interest Receivable	-0.08	-0.68	-0.13	3.29	2.73
Change in Other Net Operating Assets	2.93	-26.96	-3.61	-6.9	-20.15
Other Operating Activities	0.44	4.65	22.4	2.92	-18.32
Operating Cash Flow	-2.12	-24.91	2.34	30.75	8.65
Operating Cash Flow Growth	-	-	-92.40%	255.61%	-85.78%
Capital Expenditures	-0.09	-0.47	-0.42	-1.17	-0.92
Sale of Property, Plant and Equipment	-	0.05	-	-	-
Investment in Securities	92.29	-71.19	-59.46	-7.39	-158.46
Divestitures	-	-	-	-63.55	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	193.76	313.15	406.04	424.58	383.17
Other Investing Activities	0.31	-3.16	27.54	-	-
Investing Cash Flow	286.27	238.38	373.7	352.47	223.79
Long-Term Debt Issued	-	-	35	-	100
Total Debt Issued	-	-	35	-	100
Long-Term Debt Repaid	-50	-65	-135	-168	-11
Total Debt Repaid	-50	-65	-135	-168	-11
Net Debt Issued (Repaid)	-50	-65	-100	-168	89
Issuance of Common Stock	-	-	-	1.35	-
Repurchase of Common Stock	-0.84	-0.25	-0.22	-0.05	-0.08
Common Dividends Paid	-	-	-	-	-0.5
Net Increase (Decrease) in Deposit Accounts	66.9	49.95	-307.7	-803.34	599.83
Financing Cash Flow	16.07	-15.3	-407.91	-970.04	688.24
Net Cash Flow	300.21	198.17	-31.88	-586.82	920.68
Free Cash Flow	-2.21	-25.38	1.92	29.58	7.72
Free Cash Flow Growth	-	-	-93.52%	282.90%	-87.01%
Free Cash Flow Margin	-3.35%	-33.28%	2.13%	28.10%	13.98%
Free Cash Flow Per Share	-0.04	-0.50	0.04	0.59	0.15
Cash Interest Paid	78.6	62	19.84	50.75	48.27
Cash Income Tax Paid	0.41	0.3	2.28	0.04	13.91

Updated Mar 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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