FRA:OFR 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	22.05	35.66	22.04	32.88
Depreciation & Amortization	9.69	4.34	4.62	5.31
Gain (Loss) on Sale of Assets	0.38	-1.29	1.83	-0.31
Gain (Loss) on Sale of Investments	-13.05	2.46	2.17	-0.36
Provision for Credit Losses	16.55	1.68	4.19	1.09
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.14	5.02	-5.42	6.94
Accrued Interest Receivable	-10.61	1.57	-4.17	-3.2
Other Operating Activities	-1.97	-2.46	-0.89	0.2
Operating Cash Flow	34.96	43.7	36.19	40.81
Operating Cash Flow Growth	-20.00%	20.75%	-11.32%	35.27%
Capital Expenditures	-1.58	-2.29	-0.9	-1.25
Sale of Property, Plant and Equipment	-	0.04	-	-
Cash Acquisitions	45.28	-	-	-
Investment in Securities	2.98	10.56	-98.68	-6.93
Income (Loss) Equity Investments	-0.15	-0.04	-0.98	-
Divestitures	-	-17.64	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	26.76	-145.3	-168.16	1.78
Other Investing Activities	-12.45	-1.15	-3.25	3.31
Investing Cash Flow	60.99	-153.25	-270.99	-2.01
Short-Term Debt Issued	-	-	98.63	3.84
Long-Term Debt Issued	-	40	-	-
Total Debt Issued	-	40	98.63	3.84
Short-Term Debt Repaid	-14.37	-14.65	-	-
Long-Term Debt Repaid	-	-1.46	-0.44	-56.15
Total Debt Repaid	-14.37	-16.11	-0.44	-56.15
Net Debt Issued (Repaid)	-14.37	23.9	98.19	-52.31
Issuance of Common Stock	0.27	0.14	0.13	0.14
Repurchase of Common Stock	-2.39	-2.96	-14.46	-2.38
Common Dividends Paid	-13.18	-8.49	-8.26	-8.28
Net Increase (Decrease) in Deposit Accounts	116.88	101.3	11.31	108.02
Other Financing Activities	0.55	-	-	-0.53
Financing Cash Flow	87.76	113.89	86.91	44.65
Net Cash Flow	183.71	4.34	-147.89	83.45
Free Cash Flow	33.38	41.41	35.3	39.56
Free Cash Flow Growth	-19.39%	17.31%	-10.77%	37.03%
Free Cash Flow Margin	18.95%	32.13%	28.84%	34.39%
Free Cash Flow Per Share	2.24	3.97	3.30	3.56
Cash Interest Paid	93.32	42.89	8.72	6.81
Cash Income Tax Paid	9.63	7.45	4.9	4.4

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