First Resource Bancorp, Inc. (FRSB)

First Resource Bancorp 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	8.16	5.31	5.93	5.63	4.17
Depreciation & Amortization	0.46	0.49	0.51	0.48	0.48
Other Amortization	0.01	0.01	0.01	0.01	0.01
Gain (Loss) on Sale of Investments	-0	0.03	0.03	0.04	0.07
Provision for Credit Losses	0.86	1.45	-0.11	0.65	0.58
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.11	0.06	-	0.09	-
Accrued Interest Receivable	-0.5	-0.26	-0.54	-0.34	0.29
Change in Other Net Operating Assets	0.08	0.28	-0.08	-0.45	0.86
Other Operating Activities	-1.08	-1.17	-0.68	-1.06	-2.33
Operating Cash Flow	8.11	6	5.62	5.02	4
Operating Cash Flow Growth	35.23%	6.64%	11.89%	25.74%	91.03%
Capital Expenditures	-0.25	-0.38	-0.17	-0.31	-0.14
Investment in Securities	-0.6	-0.71	9	17.11	-10.14
Net Decrease (Increase) in Loans Originated / Sold - Investing	-80.54	-66.62	-72.09	-69.56	-47.33
Other Investing Activities	1.04	-0.17	-0.39	-0.72	-1.98
Investing Cash Flow	-80.35	-67.89	-63.65	-53.49	-59.58
Short-Term Debt Issued	-	5	7.8	18.2	9
Long-Term Debt Issued	19.74	2.48	-	-	-
Total Debt Issued	19.74	7.48	7.8	18.2	9
Short-Term Debt Repaid	-40	-	-	-	-
Long-Term Debt Repaid	-8	-3.28	-	-5.75	-10.93
Total Debt Repaid	-48	-3.28	-	-5.75	-10.93
Net Debt Issued (Repaid)	-28.26	4.2	7.8	12.45	-1.93
Issuance of Common Stock	-	0.09	0.12	0.1	0.09
Repurchase of Common Stock	-0.02	-1.32	-0	-	-0
Net Increase (Decrease) in Deposit Accounts	173.11	52.93	68.33	30.98	41.96
Financing Cash Flow	144.83	55.91	76.25	43.52	40.12
Net Cash Flow	72.58	-5.98	18.22	-4.95	-15.46
Free Cash Flow	7.86	5.61	5.45	4.71	3.86
Free Cash Flow Growth	40.09%	2.88%	15.72%	22.17%	98.39%
Free Cash Flow Margin	30.60%	28.09%	27.87%	26.53%	24.47%
Free Cash Flow Per Share	2.62	1.83	1.77	1.53	1.26
Cash Interest Paid	17.64	16.53	10.34	3.28	2.71
Cash Income Tax Paid	2.05	1.61	1.69	1.53	1.37

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