FFB Bancorp 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	34.15	33.56	26.52	20.53
Depreciation & Amortization	0.17	0.28	0.2	0.14
Gain (Loss) on Sale of Assets	-	-	0	-
Gain (Loss) on Sale of Investments	1.76	4.23	2.18	1.21
Provision for Credit Losses	3.1	1.75	0.3	2
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	11.06	-5.64	-0.83
Accrued Interest Receivable	-1.02	-0.57	-1.78	-0.35
Change in Other Net Operating Assets	-0.96	0.76	-0.04	-9.11
Operating Cash Flow	34.4	48.91	22.95	18.74
Operating Cash Flow Growth	-29.68%	113.14%	22.46%	-31.25%
Capital Expenditures	-0.16	-0.27	-0.31	-0.26
Investment in Securities	3.3	17.93	-91.52	-64.49
Net Decrease (Increase) in Loans Originated / Sold - Investing	-140.89	-82.59	-119.45	-106.3
Other Investing Activities	-1.77	-11.35	-1.42	-1.07
Investing Cash Flow	-139.52	-76.28	-212.7	-172.11
Short-Term Debt Issued	-	-	65	-
Total Debt Issued	-	-	65	-
Short-Term Debt Repaid	-34	-31	-	-31
Total Debt Repaid	-34	-31	-	-31
Net Debt Issued (Repaid)	-34	-31	65	-31
Issuance of Common Stock	0.73	0.05	0.68	0.46
Net Increase (Decrease) in Deposit Accounts	139.21	63.94	144.68	210.29
Other Financing Activities	-	-	-0.41	-
Financing Cash Flow	105.94	33	209.95	179.75
Net Cash Flow	0.81	5.63	20.19	26.38
Free Cash Flow	34.24	48.64	22.64	18.48
Free Cash Flow Growth	-29.62%	114.87%	22.48%	-31.92%
Free Cash Flow Margin	34.62%	56.02%	37.04%	39.49%
Free Cash Flow Per Share	10.75	15.31	7.21	5.96
Cash Interest Paid	13.88	8.86	3	2.79
Cash Income Tax Paid	11.18	13.58	8.87	6.74

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