FDVA 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	0.37	4.71	2.32	10.56	10.73
Depreciation & Amortization	0.1	0.11	0.14	0.17	0.19
Gain (Loss) on Sale of Investments	0.18	-0.03	-0.2	0.37	1.2
Provision for Credit Losses	8.41	-0.61	5.74	1.25	0.84
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.13	5.51	-0.13	25.07	43.4
Accrued Interest Receivable	0.1	-0.43	0.06	-1.32	0.4
Change in Other Net Operating Assets	-3.09	-0.93	-3.52	-0.76	-2.32
Other Operating Activities	-1.96	-0.3	-1.33	-0.78	-0.78
Operating Cash Flow	3.03	6.03	3.85	32.8	46.42
Operating Cash Flow Growth	-49.78%	56.59%	-88.26%	-29.33%	-
Capital Expenditures	-0.06	-	-0.05	-0	-0.03
Investment in Securities	58.75	1.14	-32.4	-34.22	-78.98
Net Decrease (Increase) in Loans Originated / Sold - Investing	6.02	-3.95	-72.25	-111.33	-55.88
Other Investing Activities	0.81	-1.48	-0.62	-1.57	-6.71
Investing Cash Flow	65.52	-4.29	-105.31	-147.12	-141.6
Long-Term Debt Issued	137	161.51	125	75	34.61
Long-Term Debt Repaid	-162	-146.51	-100	-79.04	-16.04
Net Debt Issued (Repaid)	-25	15	25	-4.04	18.57
Issuance of Common Stock	-	0.01	-	0.28	0.2
Repurchase of Common Stock	-2.31	-0.67	-0.57	-2.46	-
Net Increase (Decrease) in Deposit Accounts	4.73	-11.53	72.06	147.3	153.2
Other Financing Activities	-0.04	-0.11	-5.56	-26.23	-69.9
Financing Cash Flow	-22.62	2.7	90.93	114.86	102.08
Net Cash Flow	45.93	4.44	-10.53	0.51	6.9
Free Cash Flow	2.97	6.03	3.8	32.8	46.39
Free Cash Flow Growth	-50.71%	58.49%	-88.40%	-29.30%	-
Free Cash Flow Margin	12.12%	19.65%	15.01%	91.04%	124.04%
Free Cash Flow Per Share	0.41	0.83	0.52	4.49	6.30
Cash Interest Paid	32.13	36.74	27.88	6.37	3.23
Cash Income Tax Paid	0.2	0.13	0.98	2.09	3.4