Summit State Bank (SSBI)

Summit State Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	6.8	-4.19	10.82	16.97	14.7
Depreciation & Amortization	0.38	0.39	0.39	0.39	0.41
Other Amortization	0.01	0.02	0.02	0.01	0.02
Gain (Loss) on Sale of Investments	0.86	0.94	0.52	0.11	0.17
Total Asset Writedown	-	4.12	-	-	-
Provision for Credit Losses	2.58	7.88	0.34	2.86	1.29
Accrued Interest Receivable	-3.05	-1.27	-1.61	-3.62	-0.51
Other Operating Activities	0.05	-1.37	-3.29	-4.71	-6.03
Operating Cash Flow	6.6	5.85	-2.38	13.72	7.47
Operating Cash Flow Growth	12.73%	-	-	83.54%	100.27%
Capital Expenditures	-0.05	-0.23	-0.24	-0.18	-0.09
Investment in Securities	5.5	16.18	1	-28.22	-3.74
Net Decrease (Increase) in Loans Originated / Sold - Investing	73.58	24.77	-19.56	-84.86	-69.22
Other Investing Activities	-0.05	-3.93	-1.39	-3.92	-1.91
Investing Cash Flow	78.98	36.79	-20.19	-117.18	-74.95
Short-Term Debt Issued	1,165	1,572	-	-	-
Total Debt Issued	1,165	1,572	-	-	-
Short-Term Debt Repaid	-1,165	-1,572	-	-	-
Long-Term Debt Repaid	-	-	-41	-7.5	-5
Total Debt Repaid	-1,165	-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	-71.45	-47.13	47.04	151.06	85.31
Financing Cash Flow	-71.45	-49.03	2.79	140.33	77.35
Net Cash Flow	14.12	-6.39	-19.78	36.87	9.87
Free Cash Flow	6.55	5.62	-2.62	13.54	7.38
Free Cash Flow Growth	16.53%	-	-	83.44%	104.74%
Free Cash Flow Margin	19.96%	22.46%	-6.50%	28.58%	17.91%
Free Cash Flow Per Share	0.97	0.84	-0.39	2.02	1.10
Cash Interest Paid	24.84	28.22	24.35	6.44	4.59
Cash Income Tax Paid	0.36	0.43	6.46	5.65	5.69

Source: S&P Global Market Intelligence. Banks template. Financial Sources.