Flushing 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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-31.33	28.66	76.95	81.79
Depreciation & Amortization	6.14	6.45	6.48	7.04
Gain (Loss) on Sale of Assets	-0.17	-	-0.1	-0.62
Gain (Loss) on Sale of Investments	75.75	0.13	11.31	-3.18
Total Asset Writedown	0.94	-2.57	-5.73	13
Provision for Credit Losses	9.57	10.52	5.08	-4.94
Change in Other Net Operating Assets	-29.58	-7.75	-3.38	-1.2
Other Operating Activities	-22.15	-2.13	-6.17	-5.77
Operating Cash Flow	12.41	34.59	85.76	88.6
Operating Cash Flow Growth	-64.11%	-59.67%	-3.21%	24.30%
Capital Expenditures	-2.31	-5.49	-4.34	-3.68
Investment in Securities	-575.71	-129.16	-70.89	-143.04
Net Decrease (Increase) in Loans Originated / Sold - Investing	83.37	40.94	-336.97	57.43
Other Investing Activities	-11.8	-0.56	60.39	-17.5
Investing Cash Flow	-505.6	-94.26	-351.82	-106.78
Short-Term Debt Issued	324.25	-	235	-
Long-Term Debt Issued	300	661.05	63.6	122.84
Total Debt Issued	624.25	661.05	298.6	122.84
Short-Term Debt Repaid	-	-605.75	-	-
Long-Term Debt Repaid	-551.12	-265	-55.69	-341.64
Total Debt Repaid	-551.12	-870.75	-55.69	-341.64
Net Debt Issued (Repaid)	73.13	-209.7	242.92	-218.8
Issuance of Common Stock	65.54	-	-	-
Repurchase of Common Stock	-1.71	-13.17	-29.68	-11.37
Common Dividends Paid	-26.04	-26.26	-27.03	-26.52
Net Increase (Decrease) in Deposit Accounts	362.69	329.21	149.88	199.21
Financing Cash Flow	473.61	80.08	336.09	-57.48
Net Cash Flow	-19.58	20.4	70.03	-75.67
Free Cash Flow	10.1	29.1	81.41	84.92
Free Cash Flow Growth	-65.28%	-64.26%	-4.13%	23.49%
Free Cash Flow Margin	8.79%	15.22%	32.76%	33.09%
Free Cash Flow Per Share	0.34	0.97	2.64	2.69
Cash Interest Paid	278.7	214.61	63.68	40.56
Cash Income Tax Paid	8.58	6.27	32.41	28.23

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