First Keystone Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	7.06	6.15	-13.2	5.56	14.02	14.69
Depreciation & Amortization	1.36	1.28	0.95	0.8	1.06	1.04
Gain (Loss) on Sale of Assets	0.02	0.02	0.01	0.02	0.02	0
Gain (Loss) on Sale of Investments	0.14	0.51	0.99	1.87	4.08	2.98
Total Asset Writedown	-	-	19.13	-	-	-
Provision for Credit Losses	3.61	4.68	1.58	-0.27	-0.37	0.86
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.27	-0.27	-0.45	-0.08	-2.17	-1.4
Accrued Interest Receivable	0.23	-0	0.21	-0.81	-0.03	0.18
Change in Other Net Operating Assets	0.68	-0.99	0.24	-5.39	-0.51	-1.25
Other Operating Activities	-0.28	-0.65	-0.06	0.25	0.11	-0.71
Operating Cash Flow	13.05	11.16	8.65	5.91	18.16	15.26
Operating Cash Flow Growth	77.55%	29.13%	46.40%	-67.49%	19.06%	-
Capital Expenditures	-0.26	-0.31	-1.73	-1.66	-1.89	-0.49
Investment in Securities	-0.11	6.46	4.41	-18.95	17.08	-81.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	28.88	-2.52	-37.74	-52.48	-103.61	-29.96
Other Investing Activities	0.4	1.28	1.9	-3.75	-5.22	0.36
Investing Cash Flow	28.91	4.91	-33.16	-76.83	-93.63	-111.35
Short-Term Debt Issued	-	2.42	-	0.05	126.04	7.88
Long-Term Debt Issued	-	-	4	100	-	-
Total Debt Issued	-3.44	2.42	4	100.05	126.04	7.88
Short-Term Debt Repaid	-	-	-19.04	-	-	-
Long-Term Debt Repaid	-	-	-20	-3.01	-10.01	-10.01
Total Debt Repaid	-0.76	-	-39.04	-3.01	-10.01	-10.01
Net Debt Issued (Repaid)	-4.2	2.42	-35.04	97.04	116.03	-2.13
Issuance of Common Stock	-	-	-	-	-	1.51
Common Dividends Paid	-5.6	-6.05	-5.65	-6.78	-6.69	-6.62
Net Increase (Decrease) in Deposit Accounts	85.9	91.56	65.44	-13.06	-84.47	140.48
Financing Cash Flow	76.09	87.93	24.75	77.2	24.87	133.25
Net Cash Flow	118.05	104	0.24	6.28	-50.6	37.16
Free Cash Flow	12.79	10.85	6.92	4.25	16.27	14.76
Free Cash Flow Growth	115.86%	56.86%	62.79%	-73.89%	10.21%	-
Free Cash Flow Margin	30.60%	27.11%	18.53%	11.97%	37.76%	34.04%
Free Cash Flow Per Share	2.05	1.74	1.12	0.70	2.72	2.50
Cash Interest Paid	40.08	38.97	40.66	25.61	8.6	5.3
Cash Income Tax Paid	0.89	0.88	0.05	0.32	2.29	2.49

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