FFMH 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	18.62	16.04	16.05	18.05	15.62
Depreciation & Amortization	1.65	1.63	1.67	1.79	2.03
Gain (Loss) on Sale of Assets	-0.23	-0.15	-0.01	-0.09	0.01
Gain (Loss) on Sale of Investments	3.23	4	5.33	5.58	5.54
Provision for Credit Losses	0.33	-0.16	-0.49	-0.32	-0.15
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.7	0.3	-0.34	-1.58	-0.04
Change in Other Net Operating Assets	-1.78	6.29	-2	-7.04	1.83
Other Operating Activities	-0.78	-0.57	-1.36	-0.49	-0.82
Operating Cash Flow	20.28	27.31	18.72	15.28	22.59
Operating Cash Flow Growth	-25.73%	45.83%	22.55%	-32.37%	57.80%
Capital Expenditures	-1.36	-0.52	-0.63	-1.11	-0.66
Sale of Property, Plant and Equipment	0.23	0.15	0.01	0.15	0.45
Investment in Securities	60.34	98.55	137.95	-40.64	-301.75
Net Decrease (Increase) in Loans Originated / Sold - Investing	-7.19	20.83	-52.73	-74.79	80.81
Other Investing Activities	1.73	2.58	1.58	-	-2.6
Investing Cash Flow	53.75	121.59	86.18	-116.4	-223.75
Long-Term Debt Issued	-	-	104	25	-
Total Debt Issued	-	-	104	25	-
Short-Term Debt Repaid	-	-	-	-	-11.69
Long-Term Debt Repaid	-0.53	-104.51	-25.46	-0.44	-
Total Debt Repaid	-0.53	-104.51	-25.46	-0.44	-11.69
Net Debt Issued (Repaid)	-0.53	-104.51	78.54	24.56	-11.69
Repurchase of Common Stock	-2.87	-4.2	-2.94	-1.29	-1.65
Common Dividends Paid	-4.41	-4.08	-3.98	-3.79	-3.65
Net Increase (Decrease) in Deposit Accounts	-10.36	-14.94	-180.06	7.42	183.03
Other Financing Activities	-0.02	-0.02	-0.02	-0.02	-0.02
Financing Cash Flow	-18.18	-127.74	-108.45	26.89	166.02
Net Cash Flow	55.85	21.15	-3.54	-74.23	-35.14
Free Cash Flow	18.92	26.79	18.1	14.17	21.93
Free Cash Flow Growth	-29.38%	48.02%	27.76%	-35.39%	65.52%
Free Cash Flow Margin	28.26%	45.37%	31.36%	22.68%	35.31%
Free Cash Flow Per Share	4.71	6.50	4.28	3.29	5.04
Cash Interest Paid	-	-	-	-	2.69
Cash Income Tax Paid	-	-	-	-	3.64

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