CITBA Financial 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	2019 - 2015
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	2019 - 2015
Net Income	3.74	5.5	5.08	4.51	5.3	Upgrade
Depreciation & Amortization	0.85	0.71	0.7	0.61	0.48	Upgrade
Gain (Loss) on Sale of Assets	0.02	0.02	-0	-0.08	0.03	Upgrade
Gain (Loss) on Sale of Investments	0.34	-0.32	0.31	0.52	0.46	Upgrade
Provision for Credit Losses	0.16	0.37	0.48	-0.4	0.22	Upgrade
Accrued Interest Receivable	0.04	-0.6	-0.78	0.14	-0.06	Upgrade
Change in Other Net Operating Assets	-0.3	1.43	-0.21	6.47	-7.46	Upgrade
Other Operating Activities	0.56	-0.4	-0.1	-0.48	-0.33	Upgrade
Operating Cash Flow	5.41	6.8	5.5	11.27	-1.37	Upgrade
Operating Cash Flow Growth	-20.43%	23.54%	-51.18%	-	-	Upgrade
Capital Expenditures	-2.96	-1.32	-0.35	-2.07	-1.3	Upgrade
Investment in Securities	18.61	14.66	-90.58	-21.36	-2.98	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-18.63	-45.46	-38.22	39.29	-17.88	Upgrade
Other Investing Activities	0.13	0.15	0.25	0.34	0.38	Upgrade
Investing Cash Flow	-2.85	-31.98	-128.9	16.2	-21.78	Upgrade
Repurchase of Common Stock	-1.71	-0.67	-2.07	-1.77	-	Upgrade
Common Dividends Paid	-1.42	-1.33	-1.13	-1.06	-1.04	Upgrade
Net Increase (Decrease) in Deposit Accounts	-4.87	9.62	5.93	49.77	93.37	Upgrade
Financing Cash Flow	-7.99	7.63	2.74	46.94	92.34	Upgrade
Net Cash Flow	-5.43	-17.56	-120.67	74.41	69.19	Upgrade
Free Cash Flow	2.45	5.47	5.15	9.2	-2.67	Upgrade
Free Cash Flow Growth	-55.25%	6.22%	-43.98%	-	-	Upgrade
Free Cash Flow Margin	10.72%	22.98%	22.27%	42.74%	-12.44%	Upgrade
Free Cash Flow Per Share	1.46	3.21	2.93	5.04	-1.44	Upgrade
Cash Interest Paid	10.46	6.19	1.01	1.02	1.6	Upgrade
Cash Income Tax Paid	0.35	0.93	1.13	1.13	1.36	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.