FCN Banc 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	6.32	4.23	4.77	6.31	8.33
Depreciation & Amortization	0.92	1.07	1.07	1	0.97
Other Amortization	0.13	0.11	0.2	-	-
Gain (Loss) on Sale of Assets	0	0.46	-	0.04	-0.02
Gain (Loss) on Sale of Investments	0.94	0.92	1.29	1.52	1.67
Provision for Credit Losses	-	-	0.3	0.1	0.24
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.03	0.58	0.23	4.17	9.65
Accrued Interest Receivable	-0.11	0.09	-0.4	-0.4	0.04
Change in Income Taxes	-	-0.48	0.47	-	-
Change in Other Net Operating Assets	0.66	-0.31	0.15	-0.48	-0.96
Other Operating Activities	-0.48	-0.52	-0.85	0.03	-1.06
Operating Cash Flow	7.84	6.85	8.32	11.99	16.41
Operating Cash Flow Growth	14.53%	-17.72%	-30.59%	-26.97%	-
Capital Expenditures	-0.26	-0.04	-0.5	-0.57	-3.6
Investment in Securities	28.46	6.5	27.87	21.58	-104.8
Net Decrease (Increase) in Loans Originated / Sold - Investing	-21.98	-8.57	-51.74	-92.4	27.8
Other Investing Activities	-	-	-	-0.23	0.72
Investing Cash Flow	6.21	-2.1	-24.37	-71.62	-79.88
Short-Term Debt Issued	8.93	4.37	8.44	-	3.78
Long-Term Debt Issued	-	-	100	130	-
Total Debt Issued	8.93	4.37	108.44	130	3.78
Short-Term Debt Repaid	-	-	-	-1.34	-
Long-Term Debt Repaid	-	-	-135	-95	-9.25
Total Debt Repaid	-	-	-135	-96.34	-9.25
Net Debt Issued (Repaid)	8.93	4.37	-26.57	33.66	-5.47
Repurchase of Common Stock	-0.57	-0.29	-0.08	-0.67	-
Common Dividends Paid	-2.53	-2.35	-2.57	-2.63	-2.47
Net Increase (Decrease) in Deposit Accounts	-24.76	-0.23	50.23	33.09	45.96
Financing Cash Flow	-18.93	1.51	21.02	63.46	38.02
Net Cash Flow	-4.88	6.25	4.97	3.82	-25.44
Free Cash Flow	7.58	6.81	7.82	11.42	12.82
Free Cash Flow Growth	11.32%	-12.93%	-31.51%	-10.90%	-
Free Cash Flow Margin	31.14%	33.06%	36.58%	50.13%	53.32%
Free Cash Flow Per Share	4.46	3.97	4.54	6.61	7.38
Cash Interest Paid	14.81	16.24	10.44	3.36	3.29
Cash Income Tax Paid	0.86	0.54	0.13	0.17	1.32

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