FNRN Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	21	20.03	21.55	15.88	14.19	12.16
Depreciation & Amortization	2.66	2.8	2.91	1.88	1.82	2.21
Other Amortization	-	-	-	-2.06	-	-
Gain (Loss) on Sale of Investments	-1.08	0.46	2.05	4.47	4.61	1.71
Provision for Credit Losses	0.4	-0.25	1.1	0.9	-1.5	3.05
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.05	0.05	0.11	1.21	7.89	-2.81
Accrued Interest Receivable	-6.4	-0.41	-0.96	-0.98	-	-2.84
Other Operating Activities	-15.06	0.54	-1.06	-0.96	0.15	1.51
Operating Cash Flow	5.65	19.54	27.3	21.78	25.28	12.59
Operating Cash Flow Growth	-63.57%	-28.44%	25.34%	-13.83%	100.75%	-23.99%
Capital Expenditures	-1.39	-0.34	-1.22	-0.34	-0.8	-0.86
Cash Acquisitions	-	-	103.43	-	-	-
Investment in Securities	45.3	-58.86	62.66	-59.84	-212.07	-88.21
Net Decrease (Increase) in Loans Originated / Sold - Investing	-13.84	5.93	-80.17	-116.26	27.11	-112.56
Other Investing Activities	-0.35	-	-1.08	-2.34	-0.62	0.09
Investing Cash Flow	29.71	-53.28	83.61	-178.79	-186.38	-201.54
Long-Term Debt Issued	-	-	-	-	-	5
Long-Term Debt Repaid	-	-	-	-	-5	-
Net Debt Issued (Repaid)	-	-	-	-	-5	5
Issuance of Common Stock	0.1	0.1	0.1	0.12	0.1	0.11
Repurchase of Common Stock	-4.24	-3.76	-0.14	-0.19	-5.37	-
Common Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Total Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Net Increase (Decrease) in Deposit Accounts	-45.63	7.65	-149.06	-1.43	250.14	339.53
Financing Cash Flow	-49.77	3.98	-149.11	-1.51	239.86	344.63
Net Cash Flow	-14.41	-29.76	-38.21	-158.51	78.75	155.68
Free Cash Flow	4.26	19.19	26.08	21.44	24.47	11.73
Free Cash Flow Growth	-71.81%	-26.40%	21.66%	-12.41%	108.66%	-24.38%
Free Cash Flow Margin	5.92%	27.18%	36.28%	35.30%	43.99%	22.49%
Free Cash Flow Per Share	0.26	1.14	1.54	1.27	1.42	0.68
Cash Interest Paid	15.26	14.64	6.11	1.14	0.93	1.52
Cash Income Tax Paid	5.32	7.67	8.5	4.66	4.77	5.4

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