First Ottawa Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	19.01	14.01	12.24	11.52	2.92
Depreciation & Amortization	1.57	1.58	1.99	1.86	1.82
Gain (Loss) on Sale of Assets	-0.01	-0.04	-	-	-
Gain (Loss) on Sale of Investments	0.74	-0.21	0	-0.02	0.16
Total Asset Writedown	0.01	0.08	-0.14	0.11	0.22
Provision for Credit Losses	3.7	7.08	3.98	3	5.35
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.73	0.63	2.8	17.21	-8.91
Accrued Interest Receivable	-4.52	0.32	1.07	-4.12	-1.12
Other Operating Activities	-2.54	-2.41	-3.94	-2.64	-3.25
Operating Cash Flow	18.96	23.55	19.22	23.58	-6.8
Operating Cash Flow Growth	-19.50%	22.54%	-18.48%	-	-
Capital Expenditures	-0.42	-0.46	-1.51	-0.53	-1.42
Investment in Securities	-25.35	-46.51	-53.23	-12.94	-19.02
Net Decrease (Increase) in Loans Originated / Sold - Investing	-204.57	-111.59	-297.89	-61.63	-400.64
Other Investing Activities	1.85	-6.43	-9.74	-12.47	-4.01
Investing Cash Flow	-228.45	-164.86	-361.48	-87.08	-423.93
Long-Term Debt Issued	-	6	131.3	-	134
Total Debt Issued	-	6	131.3	-	134
Long-Term Debt Repaid	-66	-42.3	-	-100.5	-14.2
Net Debt Issued (Repaid)	-66	-36.3	131.3	-100.5	119.8
Issuance of Common Stock	1.58	0.8	2.74	2.02	0.47
Repurchase of Common Stock	-	-	-	-	-0.02
Common Dividends Paid	-1.38	-1.35	-1.33	-1.28	-1.24
Net Increase (Decrease) in Deposit Accounts	277.22	152.97	243.18	149.35	329.02
Financing Cash Flow	211.42	116.11	375.89	49.6	448.02
Net Cash Flow	1.93	-25.2	33.63	-13.91	17.3
Free Cash Flow	18.54	23.09	17.71	23.06	-8.22
Free Cash Flow Growth	-19.70%	30.37%	-23.18%	-	-
Free Cash Flow Margin	31.66%	46.84%	37.70%	54.52%	-28.92%
Free Cash Flow Per Share	20.28	25.64	20.19	27.25	-9.97
Cash Interest Paid	43.63	28.42	6.92	2.9	3.43
Cash Income Tax Paid	8.14	5.91	4.18	4.93	2.7

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