EXSR Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	29.97	23.85	-	37.48	36.41
Depreciation & Amortization	2.09	2.08	-	2.24	2.52
Gain (Loss) on Sale of Assets	-1.46	-	-	-	-
Gain (Loss) on Sale of Investments	3.86	4.34	-	6.49	3.86
Provision for Credit Losses	-	-	-	-	2
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	-2.41	-1.39
Accrued Interest Receivable	-6.9	4.31	-	-17.05	7.11
Other Operating Activities	1.46	1.71	-	-0.86	-3.04
Operating Cash Flow	24.72	28	-	33.07	34.42
Operating Cash Flow Growth	-11.72%	-	-	-3.92%	2.71%
Capital Expenditures	-2.4	-1.85	-	-0.74	-0.09
Sale of Property, Plant and Equipment	1.85	-	-	-	-
Investment in Securities	214.24	145.65	-	-357.67	-496.36
Net Decrease (Increase) in Loans Originated / Sold - Investing	-114.72	-24.81	-	4.93	221.67
Other Investing Activities	-4.14	-1.63	-	-2.95	-11.11
Investing Cash Flow	94.83	117.36	-	-356.43	-285.18
Short-Term Debt Issued	-	40	-	20	-
Total Debt Issued	-	40	-	20	-
Short-Term Debt Repaid	-100	-125	-	-	-5
Total Debt Repaid	-100	-125	-	-	-5
Net Debt Issued (Repaid)	-100	-85	-	20	-5
Common Dividends Paid	-8.91	-8.91	-	-8.4	-8.23
Net Increase (Decrease) in Deposit Accounts	42.76	-6.18	-	-112.84	400.55
Financing Cash Flow	-66.16	-100.1	-	-101.24	387.32
Net Cash Flow	53.39	45.27	-	-424.6	136.56
Free Cash Flow	22.32	26.15	-	32.32	34.33
Free Cash Flow Growth	-14.64%	-	-	-5.83%	18.35%
Free Cash Flow Margin	19.03%	23.68%	-	26.17%	29.80%
Free Cash Flow Per Share	13.02	15.26	-	18.86	20.02
Cash Interest Paid	38.6	42.62	-	2.98	1.84
Cash Income Tax Paid	6.83	5	-	12.8	13.4

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