Village Bank and Trust Financial Corp. (VBFC)

VBFC Cash Flow Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	1.92	8.31	12.45	8.55
Depreciation & Amortization	0.6	0.55	0.58	0.59
Other Amortization	0.01	0.03	0.03	0.03
Gain (Loss) on Sale of Assets	-	0	0	-0.16
Gain (Loss) on Sale of Investments	4.77	0.06	0.26	0.2
Provision for Credit Losses	0.05	-0.3	-0.5	0.95
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.31	7.62	41.04	-10
Accrued Interest Receivable	-0.18	-0.41	1.7	-2.35
Change in Other Net Operating Assets	0.23	-0.99	-1.9	3.64
Other Operating Activities	-0.22	-0.16	0.42	2.9
Operating Cash Flow	4.96	10.27	42.53	-7.14
Operating Cash Flow Growth	-51.73%	-75.86%	-	-
Capital Expenditures	-0.62	-0.47	-0.64	-0.33
Sale of Property, Plant and Equipment	-	-	-	0.52
Investment in Securities	30.16	-52.06	-55.61	6.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-36.67	-12.67	32.88	-129.06
Other Investing Activities	-1.42	-0.87	-4.28	1.21
Investing Cash Flow	-8.54	-66.06	-27.3	-121.07
Long-Term Debt Issued	25	20	-	36.21
Total Debt Issued	25	20	-	36.21
Long-Term Debt Repaid	-	-	-41.53	-29.7
Total Debt Repaid	-	-	-41.53	-29.7
Net Debt Issued (Repaid)	25	20	-41.53	6.52
Issuance of Common Stock	-	0.02	-	-
Common Dividends Paid	-0.98	-0.86	-0.21	-
Total Dividends Paid	-0.98	-0.86	-0.21	-
Net Increase (Decrease) in Deposit Accounts	-19.4	-39.31	75.67	145.17
Financing Cash Flow	4.62	-20.14	33.93	151.69
Net Cash Flow	1.04	-75.94	49.17	23.48
Free Cash Flow	4.34	9.8	41.9	-7.47
Free Cash Flow Growth	-55.69%	-76.62%	-	-
Free Cash Flow Margin	17.22%	30.04%	109.28%	-22.85%
Free Cash Flow Per Share	2.92	6.63	28.54	-5.12
Cash Interest Paid	7.85	1.78	2.3	5.16
Cash Income Tax Paid	0.61	1.96	3.06	-

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

SEC Filings: 10-K · 10-Q