First Farmers Financial 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	50.12	35.43	46.18	-	36.06
Depreciation & Amortization	3.85	3.99	3.77	-	3.73
Other Amortization	0.01	0.01	0.01	-	0.04
Gain (Loss) on Sale of Assets	0.2	0.63	0.04	-	0.03
Gain (Loss) on Sale of Investments	-1.91	-0	1.52	-	1.38
Provision for Credit Losses	7.49	22.4	5.05	-	9.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.39	1.55	0.2	-	23.38
Accrued Interest Receivable	-7.55	-1.02	-6.84	-	-2.16
Other Operating Activities	-0.92	-0.94	-0.62	-	2.07
Operating Cash Flow	58.19	61.75	47.57	-	66.95
Operating Cash Flow Growth	-5.78%	29.82%	-	-	142.51%
Capital Expenditures	-4.44	-2.98	-4.34	-	-1.53
Sale of Property, Plant and Equipment	0.21	0.15	-	-	0.2
Investment in Securities	-44.68	-44.01	-104.29	-	-34.84
Net Decrease (Increase) in Loans Originated / Sold - Investing	-138.54	-159.81	-191.87	-	-185.14
Other Investing Activities	0.03	-0.4	-5.95	-	-15.21
Investing Cash Flow	-187.35	-206.93	-306.44	-	-236.22
Short-Term Debt Issued	354	359	2,042	-	-
Long-Term Debt Issued	228	120	35	-	175
Total Debt Issued	582	479	2,077	-	175
Short-Term Debt Repaid	-311.08	-365.29	-2,071	-	-
Long-Term Debt Repaid	-179	-111	-36	-	-303
Total Debt Repaid	-490.08	-476.29	-2,107	-	-303
Net Debt Issued (Repaid)	91.92	2.71	-29.13	-	-128
Issuance of Common Stock	0.22	0.31	0.17	-	0.24
Repurchase of Common Stock	-3.52	-1.92	-1.02	-	-3.87
Common Dividends Paid	-13.86	-13.5	-13.07	-	-9.6
Net Increase (Decrease) in Deposit Accounts	57.87	218.96	261.13	-	340.62
Financing Cash Flow	132.62	206.56	218.08	-	199.39
Net Cash Flow	3.46	61.38	-40.79	-	30.12
Free Cash Flow	53.75	58.78	43.23	-	65.42
Free Cash Flow Growth	-8.55%	35.97%	-	-	160.32%
Free Cash Flow Margin	41.09%	56.63%	37.97%	-	69.78%
Free Cash Flow Per Share	7.68	8.36	6.15	-	9.28
Cash Interest Paid	77.33	81.75	56.81	-	8.16
Cash Income Tax Paid	10.27	5.33	8.83	-	7.45

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