First Northern Community Bancorp (FNRN)

FNRN Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	21.13	20.03	21.55	15.88	14.19
Depreciation & Amortization	2.65	2.8	2.91	1.88	1.82
Other Amortization	-	-	-	-2.06	-
Gain (Loss) on Sale of Investments	-1.19	0.46	2.05	4.47	4.61
Provision for Credit Losses	-	-0.25	1.1	0.9	-1.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.05	0.05	0.11	1.21	7.89
Accrued Interest Receivable	-6.04	-0.41	-0.96	-0.98	-
Other Operating Activities	-16.38	0.54	-1.06	-0.96	0.15
Operating Cash Flow	6.9	19.54	27.3	21.78	25.28
Operating Cash Flow Growth	-64.69%	-28.44%	25.34%	-13.83%	100.75%
Capital Expenditures	-1.7	-0.34	-1.22	-0.34	-0.8
Cash Acquisitions	-	-	103.43	-	-
Investment in Securities	49.9	-58.86	62.66	-59.84	-212.07
Net Decrease (Increase) in Loans Originated / Sold - Investing	-3.03	5.93	-80.17	-116.26	27.11
Other Investing Activities	-0.35	-	-1.08	-2.34	-0.62
Investing Cash Flow	44.82	-53.28	83.61	-178.79	-186.38
Long-Term Debt Repaid	-	-	-	-	-5
Net Debt Issued (Repaid)	-	-	-	-	-5
Issuance of Common Stock	0.09	0.1	0.1	0.12	0.1
Repurchase of Common Stock	-4.75	-3.76	-0.14	-0.19	-5.37
Common Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01
Total Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01
Net Increase (Decrease) in Deposit Accounts	-20.95	7.65	-149.06	-1.43	250.14
Financing Cash Flow	-25.61	3.98	-149.11	-1.51	239.86
Net Cash Flow	26.11	-29.76	-38.21	-158.51	78.75
Free Cash Flow	5.2	19.19	26.08	21.44	24.47
Free Cash Flow Growth	-72.92%	-26.40%	21.66%	-12.41%	108.66%
Free Cash Flow Margin	7.07%	27.18%	36.28%	35.30%	43.99%
Free Cash Flow Per Share	0.31	1.14	1.54	1.27	1.42
Cash Interest Paid	15.33	14.64	6.11	1.14	0.93
Cash Income Tax Paid	18.78	7.67	8.5	4.66	4.77

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