SOME Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	24.49	23.24	20.86	13.95	11.54
Depreciation & Amortization	4.81	4.1	3.82	3.74	3.19
Other Amortization	0.19	0.36	0.48	0.47	0.32
Gain (Loss) on Sale of Assets	-0.14	0.04	0.39	0.16	-
Gain (Loss) on Sale of Investments	1.08	1.7	4.89	2.99	-1.04
Total Asset Writedown	-0.03	-0.11	-0.08	-0.6	0.55
Provision for Credit Losses	0.64	3.4	1.05	4.14	6.56
Net Decrease (Increase) in Loans Originated / Sold - Operating	-9.19	-8.25	-1.37	4.16	2.41
Accrued Interest Receivable	-0.69	-0.47	-2.4	0.12	-1.93
Change in Income Taxes	0.39	-0.97	1.57	-0.78	0.69
Other Operating Activities	-1.85	-0.49	-5.05	-8.63	-5.77
Operating Cash Flow	20.84	25.54	24.3	17.44	12.15
Operating Cash Flow Growth	-18.39%	5.08%	39.33%	43.60%	-26.76%
Capital Expenditures	-8.38	-14.28	-6.43	-5.6	-5.63
Investment in Securities	-17.97	24.29	-167.25	-167.78	-49.49
Purchase / Sale of Intangibles	-0.1	-0.26	-0.09	-0.23	-1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-91.77	-168.69	-132.1	-8.25	-170.3
Other Investing Activities	0.04	-0.26	-13.3	1.81	1.75
Investing Cash Flow	-118.18	-159.2	-319.17	-180.04	-224.67
Short-Term Debt Issued	3.55	-	135.72	10.01	-
Long-Term Debt Issued	42	211.67	15	-	26.03
Total Debt Issued	45.55	211.67	150.72	10.01	26.03
Short-Term Debt Repaid	-	-132	-	-	-33.72
Long-Term Debt Repaid	-35.51	-69	-33.77	-20.1	-27.29
Total Debt Repaid	-35.51	-201	-33.77	-20.1	-61.01
Net Debt Issued (Repaid)	10.04	10.67	116.95	-10.09	-34.98
Common Dividends Paid	-4.16	-4.06	-3.95	-3.83	-3.73
Net Increase (Decrease) in Deposit Accounts	94.07	129.52	70.97	258.74	293.7
Financing Cash Flow	99.94	136.13	183.96	244.82	254.99
Net Cash Flow	2.6	2.47	-110.9	82.22	42.47
Free Cash Flow	12.46	11.26	17.88	11.85	6.52
Free Cash Flow Growth	10.67%	-37.03%	50.89%	81.76%	-31.36%
Free Cash Flow Margin	12.77%	12.15%	21.54%	15.83%	9.54%
Free Cash Flow Per Share	4.94	4.46	7.10	4.72	2.60
Cash Interest Paid	41.11	22.22	8.38	7.69	10.7
Cash Income Tax Paid	4.67	5.64	1.31	2.56	1.9

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