Stellar Bancorp Inc (STEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2002 | 12-2001 | 12-2000 | 12-1999 | |
| Cash Flows From Operating Activities | ||||
| Net Income | 12,335 | 9,881 | 11,114 | 5,554 |
| Depreciation Amortization | 3,120 | 2,666 | 2,104 | 829 |
| Income taxes - deferred | -584 | -401 | -394 | 52 |
| Other Working Capital | 866 | -5,004 | -770 | 2,999 |
| Loans | 156 | -6,904 | -1,366 | 3,432 |
| Other Operating Activity | 1,149 | 8,354 | 2,897 | -2,540 |
| Operating Cash Flow | $17,042 | $8,592 | $13,585 | $10,326 |
| Cash Flows From Investing Activities | ||||
| PPE Investments | -4,183 | -3,822 | -2,357 | -2,478 |
| Net Acquisitions | N/A | -127 | N/A | N/A |
| Purchase Of Investment | -151,546 | -139,506 | -26,234 | -80,492 |
| Sale Of Investment | 126,564 | 117,626 | 31,259 | 70,455 |
| Net Loans | -35,676 | -33,667 | -71,569 | -21,277 |
| Other Investing Activity | 331 | 679 | 234 | -1,613 |
| Investing Cash Flow | $-64,510 | $-58,817 | $-68,667 | $-35,405 |
| Cash Flows From Financing Activities | ||||
| Change In Short Term Borrowing | 2,213 | -1,281 | 4,335 | -3,545 |
| Debt Issued | N/A | N/A | 12,000 | N/A |
| Debt Repayment | -80 | -5,080 | -12,100 | 15,000 |
| Common Stock Issued | 130 | 159 | N/A | N/A |
| Common Stock Repurchased | -4,033 | -793 | -1,479 | -90 |
| Dividend Paid | -5,261 | -5,107 | -5,084 | -2,618 |
| Other Financing Activity | -22 | 0 | -19 | 0 |
| Financing Cash Flow | $55,310 | $70,220 | $54,086 | $35,680 |
| Beginning Cash Position | 63,705 | 43,710 | 44,706 | 17,557 |
| End Cash Position | 71,547 | 63,705 | 43,710 | 28,158 |
| Net Cash Flow | $7,842 | $19,995 | $-996 | $10,601 |
| Free Cash Flow | ||||
| Operating Cash Flow | 17,042 | 8,592 | 13,585 | 10,326 |
| Capital Expenditure | -4,248 | -4,010 | -2,357 | -2,707 |
| Free Cash Flow | 12,794 | 4,582 | 11,228 | 7,619 |