FFB Bancorp 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	23.58	34.15	33.56	26.52	20.53
Depreciation & Amortization	0.24	0.17	0.28	0.2	0.14
Other Amortization	0.15	-	-	-	-
Gain (Loss) on Sale of Assets	0.02	-	-	0	-
Gain (Loss) on Sale of Investments	0.45	1.76	4.23	2.18	1.21
Provision for Credit Losses	8.94	3.1	1.75	0.3	2
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	11.06	-5.64	-0.83
Accrued Interest Receivable	-0.72	-1.02	-0.57	-1.78	-0.35
Change in Other Net Operating Assets	0.04	-0.96	0.76	-0.04	-9.11
Operating Cash Flow	30.07	34.4	48.91	22.95	18.74
Operating Cash Flow Growth	-12.58%	-29.68%	113.14%	22.46%	-31.25%
Capital Expenditures	-0.28	-0.16	-0.27	-0.31	-0.26
Investment in Securities	86.7	3.3	17.93	-91.52	-64.49
Net Decrease (Increase) in Loans Originated / Sold - Investing	-126.8	-140.89	-82.59	-119.45	-106.3
Other Investing Activities	-1.08	-1.77	-11.35	-1.42	-1.07
Investing Cash Flow	-40.48	-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	0.98	0.73	0.05	0.68	0.46
Repurchase of Common Stock	-14.98	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	59.27	139.21	63.94	144.68	210.29
Other Financing Activities	-	-	-	-0.41	-
Financing Cash Flow	45.27	105.94	33	209.95	179.75
Net Cash Flow	34.85	0.81	5.63	20.19	26.38
Free Cash Flow	29.79	34.24	48.64	22.64	18.48
Free Cash Flow Growth	-12.98%	-29.62%	114.87%	22.48%	-31.92%
Free Cash Flow Margin	31.79%	34.62%	56.02%	37.04%	39.49%
Free Cash Flow Per Share	9.68	10.75	15.31	7.21	5.96
Cash Interest Paid	14.79	13.88	8.86	3	2.79
Cash Income Tax Paid	12.66	11.21	13.58	8.87	6.74

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