VersaBank
TSX:VB
Cash Flow Statement
Cash Flow Statement
VersaBank
Jan-2013 | Apr-2013 | Jul-2013 | Oct-2013 | Jan-2014 | Apr-2014 | Jul-2014 | Oct-2014 | Jan-2015 | Apr-2015 | Jul-2015 | Oct-2015 | Jan-2016 | Apr-2016 | Jul-2016 | Oct-2016 | Jan-2017 | Apr-2017 | Jul-2017 | Oct-2017 | Jan-2018 | Apr-2018 | Jul-2018 | Oct-2018 | Jan-2019 | Apr-2019 | Jul-2019 | Oct-2019 | Jan-2020 | Apr-2020 | Jul-2020 | Oct-2020 | Jan-2021 | Apr-2021 | Jul-2021 | Oct-2021 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Cash Flow | |||||||||||||||||||||||||||||||||||||
Net Income |
5
|
2
|
1
|
2
|
2
|
3
|
3
|
6
|
6
|
7
|
8
|
8
|
9
|
9
|
9
|
9
|
18
|
18
|
19
|
20
|
12
|
14
|
16
|
18
|
19
|
20
|
20
|
20
|
20
|
21
|
20
|
19
|
20
|
20
|
21
|
22
|
|
Depreciation & Amortization |
0
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
1
|
0
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
2
|
|
Other Non-Cash Items |
(25)
|
(22)
|
(23)
|
(24)
|
(25)
|
(25)
|
(25)
|
(27)
|
(28)
|
(30)
|
(32)
|
(33)
|
(34)
|
(34)
|
(35)
|
(35)
|
(46)
|
(47)
|
(48)
|
(49)
|
(41)
|
(42)
|
(43)
|
(45)
|
(45)
|
(45)
|
(46)
|
(46)
|
(46)
|
(48)
|
(47)
|
(47)
|
(48)
|
(48)
|
(48)
|
(51)
|
|
Cash Taxes Paid |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
2
|
1
|
1
|
2
|
2
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
1
|
2
|
2
|
2
|
2
|
2
|
1
|
0
|
0
|
|
Cash Interest Paid |
11
|
28
|
31
|
38
|
35
|
29
|
33
|
31
|
31
|
30
|
29
|
30
|
31
|
31
|
30
|
31
|
33
|
31
|
30
|
29
|
29
|
27
|
27
|
28
|
29
|
30
|
33
|
34
|
33
|
34
|
32
|
31
|
31
|
32
|
30
|
31
|
|
Change in Working Capital |
(60)
|
(257)
|
(50)
|
(67)
|
61
|
104
|
(17)
|
(8)
|
(95)
|
(104)
|
8
|
(33)
|
15
|
14
|
18
|
(21)
|
2
|
2
|
2
|
107
|
(12)
|
82
|
54
|
11
|
52
|
24
|
30
|
45
|
65
|
265
|
292
|
166
|
153
|
(90)
|
(79)
|
(81)
|
|
Cash from Operating Activities |
(75)
N/A
|
(272)
-262%
|
(69)
+75%
|
(89)
-29%
|
39
N/A
|
82
+112%
|
(38)
N/A
|
(29)
+24%
|
(116)
-300%
|
(126)
-9%
|
(16)
+88%
|
(57)
-263%
|
(10)
+82%
|
(12)
-14%
|
(7)
+36%
|
(47)
-528%
|
(25)
+46%
|
(26)
-3%
|
(26)
-1%
|
78
N/A
|
(40)
N/A
|
55
N/A
|
27
-51%
|
(15)
N/A
|
26
N/A
|
(2)
N/A
|
4
N/A
|
20
+408%
|
40
+102%
|
239
+498%
|
266
+11%
|
140
-48%
|
126
-10%
|
(117)
N/A
|
(105)
+10%
|
(108)
-3%
|
|
Investing Cash Flow | |||||||||||||||||||||||||||||||||||||
Capital Expenditures |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(0)
|
0
|
(0)
|
(0)
|
(0)
|
(0)
|
0
|
(0)
|
(0)
|
|
Other Items |
(18)
|
(27)
|
(31)
|
127
|
74
|
37
|
40
|
(9)
|
40
|
28
|
26
|
26
|
0
|
0
|
12
|
12
|
22
|
22
|
9
|
9
|
0
|
0
|
(3)
|
(10)
|
(10)
|
(10)
|
(7)
|
0
|
10
|
10
|
10
|
10
|
(8)
|
(8)
|
(8)
|
(8)
|
|
Cash from Investing Activities |
(18)
N/A
|
(27)
-48%
|
(31)
-15%
|
127
N/A
|
74
-42%
|
37
-49%
|
40
+7%
|
(9)
N/A
|
40
N/A
|
28
-28%
|
26
-9%
|
26
N/A
|
0
N/A
|
0
N/A
|
12
+12 200%
|
12
-2%
|
21
+77%
|
20
-5%
|
7
-64%
|
7
-3%
|
(2)
N/A
|
(1)
+41%
|
(4)
-260%
|
(11)
-200%
|
(11)
-3%
|
(11)
+3%
|
(8)
+27%
|
(0)
+97%
|
10
N/A
|
10
-4%
|
10
+2%
|
10
N/A
|
(8)
N/A
|
(8)
-9%
|
(8)
-1%
|
(8)
+1%
|
|
Financing Cash Flow | |||||||||||||||||||||||||||||||||||||
Net Issuance of Common Stock |
0
|
30
|
30
|
38
|
0
|
8
|
8
|
13
|
0
|
29
|
29
|
15
|
0
|
5
|
5
|
5
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(17)
|
(17)
|
56
|
|
Net Issuance of Debt |
0
|
(30)
|
(30)
|
(30)
|
(37)
|
(7)
|
(7)
|
(7)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(10)
|
(10)
|
(15)
|
(15)
|
0
|
(5)
|
0
|
0
|
0
|
(5)
|
(5)
|
(5)
|
(5)
|
(25)
|
(25)
|
(25)
|
(35)
|
79
|
79
|
79
|
|
Cash Paid for Dividends |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
|
Other |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
15
|
0
|
0
|
0
|
(1)
|
(1)
|
0
|
(3)
|
(2)
|
(2)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(0)
|
0
|
|
Cash from Financing Activities |
0
N/A
|
0
N/A
|
0
N/A
|
8
N/A
|
1
-88%
|
1
N/A
|
1
N/A
|
6
+530%
|
28
+344%
|
28
+0%
|
28
-1%
|
14
-51%
|
(3)
N/A
|
2
N/A
|
3
+56%
|
1
-48%
|
(9)
N/A
|
(14)
-61%
|
(20)
-47%
|
(19)
+6%
|
(9)
+53%
|
(9)
-2%
|
(4)
+53%
|
(5)
-5%
|
(5)
-2%
|
(10)
-113%
|
(10)
-2%
|
(10)
-2%
|
(11)
-5%
|
(31)
-185%
|
(31)
0%
|
(31)
-1%
|
(41)
-32%
|
57
N/A
|
58
+1%
|
131
+128%
|
|
Change in Cash | |||||||||||||||||||||||||||||||||||||
Effect of Foreign Exchange Rates |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(1)
|
(1)
|
|
Net Change in Cash |
(93)
N/A
|
(298)
-220%
|
(99)
+67%
|
47
N/A
|
113
+142%
|
121
+6%
|
3
-98%
|
(31)
N/A
|
(48)
-55%
|
(70)
-44%
|
38
N/A
|
(18)
N/A
|
(13)
+29%
|
(10)
+23%
|
7
N/A
|
(33)
N/A
|
(13)
+62%
|
(19)
-55%
|
(39)
-101%
|
66
N/A
|
(51)
N/A
|
44
N/A
|
19
-57%
|
(30)
N/A
|
10
N/A
|
(22)
N/A
|
(14)
+37%
|
9
N/A
|
39
+318%
|
218
+455%
|
246
+13%
|
119
-52%
|
78
-34%
|
(68)
N/A
|
(57)
+16%
|
14
N/A
|