Home Loan Financial Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Net Income	7.22	5.48	5.17	4.16
Depreciation & Amortization	0.21	0.22	0.2	0.13
Gain (Loss) on Sale of Assets	-	0.02	0.03	0.17
Gain (Loss) on Sale of Investments	0.2	-0.25	0.05	0.07
Provision for Credit Losses	0.72	0.62	0.43	0.25
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.25	-0.19	-	1.49
Accrued Interest Receivable	-0.18	-0.26	-0.54	-0.23
Change in Other Net Operating Assets	0.4	1.13	0.89	1.15
Other Operating Activities	-0.14	-0.18	-0.15	-0.15
Operating Cash Flow	8.28	6.67	6.12	6.53
Operating Cash Flow Growth	24.23%	8.85%	-6.17%	249.36%
Capital Expenditures	-0.04	-0.34	-0.24	-0.99
Sale of Property, Plant and Equipment	-	0.09	-	0
Investment in Securities	-2.07	1.34	-0	-6.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-29.96	-39.59	-37.58	-24.66
Other Investing Activities	0.55	-1.57	0.59	0
Investing Cash Flow	-31.51	-40.06	-37.23	-32.45
Short-Term Debt Issued	-	13.1	28.2	-
Total Debt Issued	-	13.1	28.2	-
Short-Term Debt Repaid	-12.5	-	-	-
Long-Term Debt Repaid	-0.3	-2.33	-0.42	-0.5
Total Debt Repaid	-12.8	-2.33	-0.42	-0.5
Net Debt Issued (Repaid)	-12.8	10.77	27.78	-0.5
Common Dividends Paid	-2.72	-2.7	-2.69	-2.54
Net Increase (Decrease) in Deposit Accounts	38.18	24.31	5.33	0.3
Other Financing Activities	-	-	-	0
Financing Cash Flow	22.65	32.37	30.43	-2.74
Net Cash Flow	-0.58	-1.03	-0.68	-28.66
Free Cash Flow	8.24	6.32	5.88	5.54
Free Cash Flow Growth	30.39%	7.52%	6.20%	207.45%
Free Cash Flow Margin	48.81%	43.75%	44.50%	48.90%
Free Cash Flow Per Share	5.85	4.50	4.20	3.95
Cash Interest Paid	6.97	4.1	1.55	1.11
Cash Income Tax Paid	2.05	1.58	1.63	0.98