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 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	24.96	19.01	14.01	12.24	11.52
Depreciation & Amortization	1	0.98	1.58	1.99	1.86
Gain (Loss) on Sale of Assets	-0.02	-0.01	-0.04	-	-
Gain (Loss) on Sale of Investments	0.59	0.74	-0.21	0	-0.02
Total Asset Writedown	-	0.01	0.08	-0.14	0.11
Provision for Credit Losses	4.38	3.7	7.08	3.98	3
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.01	1.73	0.63	2.8	17.21
Accrued Interest Receivable	0.79	-4.52	0.32	1.07	-4.12
Other Operating Activities	-2.69	-1.95	-2.41	-3.94	-2.64
Operating Cash Flow	33.89	18.96	23.55	19.22	23.58
Operating Cash Flow Growth	78.73%	-19.50%	22.54%	-18.48%	-
Capital Expenditures	-0.28	-0.42	-0.46	-1.51	-0.53
Investment in Securities	-8.87	-25.35	-46.51	-53.23	-12.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-292.17	-204.57	-111.59	-297.89	-61.63
Other Investing Activities	-6.67	1.85	-6.43	-9.74	-12.47
Investing Cash Flow	-307.99	-228.45	-164.86	-361.48	-87.08
Long-Term Debt Issued	50.45	-	6	131.3	-
Long-Term Debt Repaid	-5	-66	-42.3	-	-100.5
Net Debt Issued (Repaid)	45.45	-66	-36.3	131.3	-100.5
Issuance of Common Stock	1.53	1.58	0.8	2.74	2.02
Common Dividends Paid	-1.41	-1.38	-1.35	-1.33	-1.28
Net Increase (Decrease) in Deposit Accounts	233.22	277.22	152.97	243.18	149.35
Financing Cash Flow	278.79	211.42	116.11	375.89	49.6
Net Cash Flow	4.69	1.93	-25.2	33.63	-13.91
Free Cash Flow	33.61	18.54	23.09	17.71	23.06
Free Cash Flow Growth	81.27%	-19.70%	30.37%	-23.18%	-
Free Cash Flow Margin	46.34%	31.66%	46.84%	37.70%	54.52%
Free Cash Flow Per Share	35.98	20.28	25.64	20.19	27.25
Cash Interest Paid	47.41	43.63	28.42	6.92	2.9
Cash Income Tax Paid	10.38	8.14	5.91	4.18	4.93