F & M Bank 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	11.23	7.29	2.77	8.32	10.74
Depreciation & Amortization	1.32	1.4	1.35	1.14	1.24
Other Amortization	0.03	0.04	0.04	0.12	-
Gain (Loss) on Sale of Assets	-0.12	-0.03	-0.02	0.05	0.33
Gain (Loss) on Sale of Investments	1.29	1.54	0.99	0.79	2.39
Provision for Credit Losses	2.7	2.34	1.03	0.87	-2.82
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.45	0.34	1.07	6.04	14.1
Accrued Interest Receivable	-0.18	0.1	-1.04	-0.88	-0.39
Change in Other Net Operating Assets	1.88	-3.57	-2.83	4.26	0.48
Other Operating Activities	-1.16	-1.04	-0.65	-0.79	-0.2
Operating Cash Flow	16.5	7.13	2.17	17.57	21.28
Operating Cash Flow Growth	131.36%	229.47%	-87.68%	-17.43%	1051.57%
Capital Expenditures	-0.72	-0.28	-5.45	-3.64	-0.56
Sale of Property, Plant and Equipment	-	0.37	0.1	0.03	0.14
Cash Acquisitions	-	-	-	-	13.95
Investment in Securities	-4.08	45.11	33.74	-37.29	-301.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-49.2	-20.51	-79.96	-82.06	43.37
Other Investing Activities	0.15	2.89	1.6	-2.6	1.21
Investing Cash Flow	-53.86	27.58	-49.97	-125.57	-243.7
Short-Term Debt Issued	-	-	-	70	-
Long-Term Debt Issued	9.91	-	-	-	-
Total Debt Issued	9.91	-	-	70	-
Short-Term Debt Repaid	-	-60	-10	-	-
Long-Term Debt Repaid	-7	-	-	-15	-11.43
Total Debt Repaid	-7	-60	-10	-15	-11.43
Net Debt Issued (Repaid)	2.91	-60	-10	55	-11.43
Issuance of Common Stock	0.32	0.31	0.32	0.34	0.3
Repurchase of Common Stock	-0.4	-	-	-	-
Preferred Share Repurchases	-	-	-	-	-0.63
Common Dividends Paid	-3.69	-3.65	-3.61	-3.59	-3.4
Preferred Dividends Paid	-	-	-	-	-0.2
Total Dividends Paid	-3.69	-3.65	-3.61	-3.59	-3.59
Net Increase (Decrease) in Deposit Accounts	50.11	61.87	49.86	3.08	247.48
Financing Cash Flow	49.25	-1.47	36.57	54.83	232.13
Net Cash Flow	11.89	33.24	-11.24	-53.17	9.71
Free Cash Flow	15.78	6.85	-3.29	13.93	20.72
Free Cash Flow Growth	130.32%	-	-	-32.77%	1773.24%
Free Cash Flow Margin	31.56%	16.18%	-8.06%	30.73%	45.63%
Free Cash Flow Per Share	4.44	1.95	-0.95	4.04	6.02
Cash Interest Paid	26.76	30.24	23.37	7.44	4.07
Cash Income Tax Paid	1.15	0.61	0.36	0.03	2.01

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