Ledyard Financial Group 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	6.03	3.34	3.17	6.98	7.77
Depreciation & Amortization	0.99	1.02	1	0.94	0.99
Gain (Loss) on Sale of Assets	-	-1.35	-	-	-
Gain (Loss) on Sale of Investments	0.92	2.27	1.37	3.14	2.54
Provision for Credit Losses	0.87	0.62	0.67	-3.63	-0.45
Accrued Interest Receivable	-0.46	-0.02	-0.64	-0.02	-0.22
Change in Other Net Operating Assets	0.64	2.78	-2.41	-0.06	-1.4
Other Operating Activities	-0.14	-1	-1.5	-0.77	-0.18
Operating Cash Flow	9.36	8.07	2.27	7.54	10.39
Operating Cash Flow Growth	15.90%	256.23%	-69.95%	-27.43%	4.37%
Capital Expenditures	-1.31	-2.63	-0.56	-1.88	-0.57
Sale of Property, Plant and Equipment	-	3.01	-	-	-
Investment in Securities	23.67	79.48	-45.69	1.72	-126.33
Net Decrease (Increase) in Loans Originated / Sold - Investing	-91.06	-160.9	-56.66	0.51	9.31
Investing Cash Flow	-68.7	-81.03	-102.91	0.35	-117.58
Short-Term Debt Issued	76	151.1	2,170	612.6	-
Long-Term Debt Issued	10.08	-	25	19.12	1.95
Total Debt Issued	86.08	151.1	2,195	631.72	1.95
Short-Term Debt Repaid	-55.76	-206.3	-2,171	-532.03	-5.2
Long-Term Debt Repaid	-	-0.08	-0.08	-0.07	-3.05
Total Debt Repaid	-55.76	-206.38	-2,172	-532.1	-8.25
Net Debt Issued (Repaid)	30.32	-55.28	23.6	99.62	-6.3
Repurchase of Common Stock	-	-	-0.16	-0.55	-0.28
Common Dividends Paid	-2.9	-2.86	-2.83	-2.82	-2.67
Net Increase (Decrease) in Deposit Accounts	71.46	147.61	89.83	-104.75	85.57
Financing Cash Flow	98.88	89.47	110.45	-8.5	76.32
Net Cash Flow	39.54	16.51	9.8	-0.61	-30.87
Free Cash Flow	8.04	5.45	1.71	5.66	9.83
Free Cash Flow Growth	47.67%	218.95%	-69.85%	-42.36%	34.42%
Free Cash Flow Margin	18.96%	16.00%	5.56%	16.89%	29.11%
Free Cash Flow Per Share	2.41	1.64	0.52	1.73	3.01
Cash Interest Paid	22.62	22.15	10.43	1.74	1.04
Cash Income Tax Paid	0.64	0.1	-0.2	-0.62	1.09

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