First Berlin Bancorp 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	11.05	9.48	6.82	7.23	8.26
Depreciation & Amortization	0.54	0.49	0.48	0.52	0.54
Gain (Loss) on Sale of Assets	0	0.03	0.07	0.14	0.04
Gain (Loss) on Sale of Investments	0.33	0.57	0.52	0.93	0.66
Total Asset Writedown	-	0.03	0.04	-	-
Provision for Credit Losses	1.35	0.9	0.45	0.45	0.3
Change in Other Net Operating Assets	0.33	-0.95	-0.97	0.89	0.2
Other Operating Activities	-0.42	-0.45	1.33	-0.29	-1.35
Operating Cash Flow	13.18	10.09	8.73	9.87	8.65
Operating Cash Flow Growth	30.63%	15.57%	-11.55%	14.09%	13.98%
Capital Expenditures	-0.61	-0.3	-0.42	-0.22	-0.26
Sale of Property, Plant and Equipment	-	0	-	0.05	0.75
Investment in Securities	8.21	12.26	15.55	-8.98	-60.08
Net Decrease (Increase) in Loans Originated / Sold - Investing	-48.91	-60.7	-30.16	-73.65	40.38
Other Investing Activities	-	0.2	0.29	0.49	-
Investing Cash Flow	-41.31	-48.54	-14.74	-82.3	-19.2
Long-Term Debt Issued	20	25	52.5	2.5	5
Long-Term Debt Repaid	-23.3	-30.78	-0.8	-15.81	-4.75
Net Debt Issued (Repaid)	-3.3	-5.78	51.7	-13.31	0.25
Issuance of Common Stock	-	-	-	-	10.01
Repurchase of Common Stock	-2.18	-0.12	-	-	-
Common Dividends Paid	-0.97	-0.69	-0.55	-0.55	-0.55
Net Increase (Decrease) in Deposit Accounts	67.59	27.65	-16.08	7.25	60.34
Financing Cash Flow	61.14	21.06	35.07	-6.62	70.05
Net Cash Flow	33.01	-17.4	29.2	-79.05	59.5
Free Cash Flow	12.57	9.79	8.31	9.65	8.39
Free Cash Flow Growth	28.40%	17.74%	-13.90%	15.02%	18.61%
Free Cash Flow Margin	41.10%	35.21%	32.19%	38.97%	31.94%
Free Cash Flow Per Share	4.67	3.54	3.00	3.48	3.03
Cash Interest Paid	13.87	14.18	7.48	1.88	1.53
Cash Income Tax Paid	2.83	2.65	2.49	2.59	2.16