First Berlin Bancorp, Inc. (FTFI)

First Berlin Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	9.48	6.82	7.23	8.26
Depreciation & Amortization	0.49	0.48	0.52	0.54
Gain (Loss) on Sale of Assets	0.03	0.07	0.14	0.04
Gain (Loss) on Sale of Investments	0.57	0.52	0.93	0.66
Total Asset Writedown	0.03	0.04	-	-
Provision for Credit Losses	0.9	0.45	0.45	0.3
Change in Other Net Operating Assets	-1.19	-0.97	0.89	0.2
Other Operating Activities	-0.21	1.33	-0.29	-1.35
Operating Cash Flow	10.09	8.73	9.87	8.65
Operating Cash Flow Growth	15.57%	-11.55%	14.09%	13.98%
Capital Expenditures	-0.3	-0.42	-0.22	-0.26
Sale of Property, Plant and Equipment	0	-	0.05	0.75
Investment in Securities	12.26	15.55	-8.98	-60.08
Net Decrease (Increase) in Loans Originated / Sold - Investing	-60.7	-30.16	-73.65	40.38
Other Investing Activities	0.2	0.29	0.49	-
Investing Cash Flow	-48.54	-14.74	-82.3	-19.2
Long-Term Debt Issued	25	52.5	2.5	5
Long-Term Debt Repaid	-30.78	-0.8	-15.81	-4.75
Net Debt Issued (Repaid)	-5.78	51.7	-13.31	0.25
Issuance of Common Stock	-	-	-	10.01
Repurchase of Common Stock	-0.12	-	-	-
Common Dividends Paid	-0.69	-0.55	-0.55	-0.55
Net Increase (Decrease) in Deposit Accounts	27.65	-16.08	7.25	60.34
Financing Cash Flow	21.06	35.07	-6.62	70.05
Net Cash Flow	-17.4	29.2	-79.05	59.5
Free Cash Flow	9.79	8.31	9.65	8.39
Free Cash Flow Growth	17.74%	-13.90%	15.02%	18.61%
Free Cash Flow Margin	35.21%	32.19%	38.97%	31.94%
Free Cash Flow Per Share	3.54	3.00	3.48	3.03
Cash Interest Paid	14.18	7.48	1.88	1.53
Cash Income Tax Paid	2.65	2.49	2.59	2.16

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