Primary Bank 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	11.64	10.61	10	10.66	8.39
Depreciation & Amortization	0.19	0.21	0.23	0.25	0.21
Other Amortization	0.3	0.3	0.18	-0.09	-
Gain (Loss) on Sale of Investments	-0.69	0.01	0.01	0.02	0.01
Provision for Credit Losses	1.28	0.63	0.74	1.4	1.87
Accrued Interest Receivable	0.01	0.1	-0.57	-0.36	0.69
Change in Other Net Operating Assets	-2.4	1.17	1.2	0.26	-2.45
Other Operating Activities	0.11	-0.13	-0.18	-0.25	-5.68
Operating Cash Flow	10.81	12.78	12.35	12.29	3.97
Operating Cash Flow Growth	-15.44%	3.47%	0.54%	209.16%	51.11%
Capital Expenditures	-0.09	-0	-0.08	-0.04	-0.58
Investment in Securities	-3.47	-0.47	0.55	0.91	-9.56
Net Decrease (Increase) in Loans Originated / Sold - Investing	-38.46	-12.47	-13.94	-73.54	-65.34
Other Investing Activities	-0.03	-0.07	0.39	-0.62	-0.03
Investing Cash Flow	-42.05	-13.01	-13.08	-73.28	-75.51
Short-Term Debt Issued	22.46	6.79	30.73	10	-
Total Debt Issued	22.46	6.79	30.73	10	-
Short-Term Debt Repaid	-20.81	-3.92	-10	-	-
Total Debt Repaid	-20.81	-3.92	-10	-	-
Net Debt Issued (Repaid)	1.64	2.87	20.73	10	-
Issuance of Common Stock	1.19	1.13	1.02	4.82	1.41
Repurchase of Common Stock	-0.02	-	-0.26	-3.43	-
Net Increase (Decrease) in Deposit Accounts	-	-	5.47	-39.23	93.85
Financing Cash Flow	2.81	4	26.97	-27.84	95.26
Net Cash Flow	-28.43	3.78	26.25	-88.84	23.72
Free Cash Flow	10.72	12.78	12.28	12.25	3.4
Free Cash Flow Growth	-16.13%	4.10%	0.20%	260.59%	61.84%
Free Cash Flow Margin	38.25%	48.83%	45.44%	49.91%	16.74%
Free Cash Flow Per Share	2.21	2.64	2.57	2.56	0.74
Cash Interest Paid	13.13	12.84	8.71	2.38	3.03
Cash Income Tax Paid	4.68	3.63	4.62	4.03	3.89