Summit State Bank 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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-4.19	10.82	16.97	14.7
Depreciation & Amortization	0.39	0.39	0.39	0.41
Other Amortization	0.02	0.02	0.01	0.02
Gain (Loss) on Sale of Investments	0.94	0.52	0.11	0.17
Total Asset Writedown	4.12	-	-	-
Provision for Credit Losses	7.88	0.34	2.86	1.29
Accrued Interest Receivable	-1.27	-1.61	-3.62	-0.51
Other Operating Activities	-1.37	-3.29	-4.71	-6.03
Operating Cash Flow	5.85	-2.38	13.72	7.47
Operating Cash Flow Growth	-	-	83.54%	100.27%
Capital Expenditures	-0.23	-0.24	-0.18	-0.09
Investment in Securities	16.18	1	-28.22	-3.74
Net Decrease (Increase) in Loans Originated / Sold - Investing	24.77	-19.56	-84.86	-69.22
Other Investing Activities	-3.93	-1.39	-3.92	-1.91
Investing Cash Flow	36.79	-20.19	-117.18	-74.95
Short-Term Debt Issued	1,572	-	-	-
Total Debt Issued	1,572	-	-	-
Short-Term Debt Repaid	-1,572	-	-	-
Long-Term Debt Repaid	-	-41	-7.5	-5
Total Debt Repaid	-1,572	-41	-7.5	-5
Net Debt Issued (Repaid)	-	-41	-7.5	-5
Issuance of Common Stock	-	-	-	0.03
Common Dividends Paid	-1.9	-3.25	-3.23	-2.99
Total Dividends Paid	-1.9	-3.25	-3.23	-2.99
Net Increase (Decrease) in Deposit Accounts	-47.13	47.04	151.06	85.31
Financing Cash Flow	-49.03	2.79	140.33	77.35
Net Cash Flow	-6.39	-19.78	36.87	9.87
Free Cash Flow	5.62	-2.62	13.54	7.38
Free Cash Flow Growth	-	-	83.44%	104.74%
Free Cash Flow Margin	22.46%	-6.50%	28.58%	17.91%
Free Cash Flow Per Share	0.84	-0.39	2.02	1.10
Cash Interest Paid	28.22	24.35	6.44	4.59
Cash Income Tax Paid	0.43	6.46	5.65	5.69

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.