Tompkins Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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
Net Income	84.48	70.85	9.51	85.03	89.26	77.59
Depreciation & Amortization	6.32	7.89	8.51	8.64	9.47	9.54
Other Amortization	2.67	2.67	3.31	3.05	2.28	2.36
Gain (Loss) on Sale of Assets	0	-0.22	-0.06	-0.11	-0.02	-0
Gain (Loss) on Sale of Investments	-2.29	-1.16	72.41	6.23	11.51	10.29
Provision for Credit Losses	11.97	6.61	4.34	2.79	-2.22	17.21
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.09	-0.06	-0.51	0.36	5.11	-1.51
Accrued Interest Receivable	-1.75	-2.72	-1.24	-2.27	9.43	-12.73
Other Operating Activities	-9.49	6.21	-13.09	-5.45	-7.62	-3.4
Operating Cash Flow	99.32	94.97	89	103.34	121.18	101.39
Operating Cash Flow Growth	9.57%	6.70%	-13.87%	-14.72%	19.52%	-0.22%
Capital Expenditures	-4.61	-6.21	-6.76	-8.17	-4.74	-4.55
Sale of Property, Plant and Equipment	0.05	0.29	0.15	0.22	0.1	0.02
Investment in Securities	31.85	182.47	210.84	197.56	-759.39	-316.96
Net Decrease (Increase) in Loans Originated / Sold - Investing	-443.12	-428.94	-337.05	-193.01	175.16	-340.48
Other Investing Activities	3.52	1.95	-13.47	-5.05	5.58	18.25
Investing Cash Flow	-395.64	-250.44	-146.3	-8.44	-583.29	-643.72
Long-Term Debt Issued	-	804.95	450.4	435.9	14.94	80.08
Long-Term Debt Repaid	-	-630.76	-144.88	-279.11	-173.08	-471.81
Net Debt Issued (Repaid)	-81.16	174.19	305.52	156.79	-158.14	-391.73
Issuance of Common Stock	0.14	0.17	-	2.95	0	1.83
Repurchase of Common Stock	-	-	-8.73	-15.43	-23.77	-9.41
Common Dividends Paid	-35.67	-35.05	-34.51	-33.57	-32.42	-31.36
Net Increase (Decrease) in Deposit Accounts	475.43	72.38	-201.98	-188.62	354.18	1,225
Other Financing Activities	-1.25	-1.36	-1.3	-2.3	-3.1	-1.94
Financing Cash Flow	357.49	210.33	59	-80.17	136.76	792.81
Net Cash Flow	61.17	54.86	1.71	14.73	-325.36	250.48
Free Cash Flow	94.72	88.76	82.24	95.17	116.44	96.84
Free Cash Flow Growth	12.00%	7.92%	-13.59%	-18.26%	20.24%	1.29%
Free Cash Flow Margin	29.89%	30.33%	38.18%	31.16%	38.19%	34.34%
Free Cash Flow Per Share	6.61	6.22	5.75	6.61	7.95	6.57
Cash Interest Paid	133.2	135.51	86.26	21.05	16.92	30.34
Cash Income Tax Paid	26.55	14.83	10.38	23.9	28.63	22.89

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