BankFirst Capital 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	25.54	28.2	22.96	18.3
Depreciation & Amortization	4.46	4.53	2.86	2.53
Gain (Loss) on Sale of Investments	2.08	3.66	4.95	4.45
Total Asset Writedown	-2.77	-0.81	-0.92	-1.15
Provision for Credit Losses	2.8	1.99	1.05	1.11
Accrued Interest Receivable	-0.65	0.03	-0.07	1.05
Other Operating Activities	-3.26	-2.56	3.38	1.64
Operating Cash Flow	31.22	41.24	34.82	28.18
Operating Cash Flow Growth	-24.29%	18.43%	23.57%	77.17%
Capital Expenditures	-6.31	-7.27	-6.59	-2.94
Cash Acquisitions	-	-44.75	-60.65	-
Investment in Securities	26.58	97.13	-0.24	-105.7
Net Decrease (Increase) in Loans Originated / Sold - Investing	-40.35	-97.29	-136.7	-65.42
Other Investing Activities	9.19	-15.91	107.14	69.57
Investing Cash Flow	-10.89	-68.09	-97.03	-104.48
Short-Term Debt Issued	-	-	3.48	-
Long-Term Debt Issued	-	-	-	26
Total Debt Issued	-	-	3.48	26
Short-Term Debt Repaid	-	-3.48	-	-
Long-Term Debt Repaid	-8.69	-2.15	-31.9	-13.15
Total Debt Repaid	-8.69	-5.63	-31.9	-13.15
Net Debt Issued (Repaid)	-8.69	-5.63	-28.43	12.85
Repurchase of Common Stock	-0.65	-0.21	-0.13	-0.15
Preferred Stock Issued	-	-	175	-
Common Dividends Paid	-5.43	-4.86	-4.55	-3.6
Preferred Dividends Paid	-2.78	-	-	-
Total Dividends Paid	-8.21	-4.86	-4.55	-3.6
Net Increase (Decrease) in Deposit Accounts	66.07	-17.84	-9.1	66.61
Financing Cash Flow	48.51	-28.54	132.8	75.72
Net Cash Flow	68.85	-55.39	70.59	-0.59
Free Cash Flow	24.92	33.97	28.23	25.24
Free Cash Flow Growth	-26.65%	20.33%	11.84%	58.70%
Free Cash Flow Margin	22.39%	29.51%	32.17%	32.87%
Free Cash Flow Per Share	4.59	6.30	5.30	4.78
Cash Interest Paid	45.74	22.52	6.96	6.91
Cash Income Tax Paid	4.74	4.65	2.32	2.9

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.