Summit State Bank (SSBI)

Summit State Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-1.41	-4.19	10.82	16.97	14.7	10.52
Depreciation & Amortization	0.39	0.39	0.39	0.39	0.41	0.43
Other Amortization	0.01	0.02	0.02	0.01	0.02	0.01
Gain (Loss) on Sale of Investments	0.91	0.94	0.52	0.11	0.17	-0.74
Total Asset Writedown	4.12	4.12	-	-	-	-
Provision for Credit Losses	8.7	7.88	0.34	2.86	1.29	2.1
Accrued Interest Receivable	-6.19	-1.27	-1.61	-3.62	-0.51	-1.51
Other Operating Activities	-1.15	-1.37	-3.29	-4.71	-6.03	-4.95
Operating Cash Flow	5.61	5.85	-2.38	13.72	7.47	3.73
Operating Cash Flow Growth	72.26%	-	-	83.54%	100.27%	-84.74%
Capital Expenditures	-0.03	-0.23	-0.24	-0.18	-0.09	-0.13
Investment in Securities	10.05	16.18	1	-28.22	-3.74	-4
Net Decrease (Increase) in Loans Originated / Sold - Investing	73.43	24.77	-19.56	-84.86	-69.22	-164.44
Other Investing Activities	-3.55	-3.93	-1.39	-3.92	-1.91	-0.09
Investing Cash Flow	79.91	36.79	-20.19	-117.18	-74.95	-168.65
Short-Term Debt Issued	-	1,572	-	-	-	-
Long-Term Debt Issued	-	-	-	-	-	46
Total Debt Issued	474.1	1,572	-	-	-	46
Short-Term Debt Repaid	-	-1,572	-	-	-	-33.1
Long-Term Debt Repaid	-	-	-41	-7.5	-5	-5
Total Debt Repaid	-468.6	-1,572	-41	-7.5	-5	-38.1
Net Debt Issued (Repaid)	5.5	-	-41	-7.5	-5	7.9
Issuance of Common Stock	-	-	-	-	0.03	-
Common Dividends Paid	-0	-1.9	-3.25	-3.23	-2.99	-2.91
Total Dividends Paid	-0	-1.9	-3.25	-3.23	-2.99	-2.91
Net Increase (Decrease) in Deposit Accounts	-113.99	-47.13	47.04	151.06	85.31	152.46
Financing Cash Flow	-108.5	-49.03	2.79	140.33	77.35	157.45
Net Cash Flow	-22.98	-6.39	-19.78	36.87	9.87	-7.47
Free Cash Flow	5.58	5.62	-2.62	13.54	7.38	3.61
Free Cash Flow Growth	89.22%	-	-	83.44%	104.74%	-84.63%
Free Cash Flow Margin	20.40%	22.46%	-6.50%	28.58%	17.91%	11.06%
Free Cash Flow Per Share	0.83	0.84	-0.39	2.02	1.10	0.54
Cash Interest Paid	26.35	28.22	24.35	6.44	4.59	6.14
Cash Income Tax Paid	0.07	0.43	6.46	5.65	5.69	5.69

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