SOME 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	25.02	24.49	23.24	20.86	13.95
Depreciation & Amortization	4.85	4.81	4.1	3.82	3.74
Other Amortization	0.28	0.19	0.36	0.48	0.47
Gain (Loss) on Sale of Assets	0.02	-0.14	0.04	0.39	0.16
Gain (Loss) on Sale of Investments	1.8	1.08	1.7	4.89	2.99
Total Asset Writedown	0.01	-0.03	-0.11	-0.08	-0.6
Provision for Credit Losses	3.46	0.64	3.4	1.05	4.14
Net Decrease (Increase) in Loans Originated / Sold - Operating	8.17	-9.19	-8.25	-1.37	4.16
Accrued Interest Receivable	-1.54	-0.69	-0.47	-2.4	0.12
Change in Income Taxes	-0.69	0.39	-0.97	1.57	-0.78
Other Operating Activities	-3.22	-1.85	-0.49	-5.05	-8.63
Operating Cash Flow	36.63	20.84	25.54	24.3	17.44
Operating Cash Flow Growth	75.75%	-18.39%	5.08%	39.33%	43.60%
Capital Expenditures	-27.64	-8.38	-14.28	-6.43	-5.6
Investment in Securities	-19.22	-17.97	24.29	-167.25	-167.78
Purchase / Sale of Intangibles	-1.13	-0.1	-0.26	-0.09	-0.23
Net Decrease (Increase) in Loans Originated / Sold - Investing	-74.44	-91.77	-168.69	-132.1	-8.25
Other Investing Activities	2.34	0.04	-0.26	-13.3	1.81
Investing Cash Flow	-120.09	-118.18	-159.2	-319.17	-180.04
Short-Term Debt Issued	25.16	3.55	-	135.72	10.01
Long-Term Debt Issued	15	42	211.67	15	-
Total Debt Issued	40.16	45.55	211.67	150.72	10.01
Short-Term Debt Repaid	-	-	-132	-	-
Long-Term Debt Repaid	-77	-35.51	-69	-33.77	-20.1
Total Debt Repaid	-77	-35.51	-201	-33.77	-20.1
Net Debt Issued (Repaid)	-36.84	10.04	10.67	116.95	-10.09
Common Dividends Paid	-4.29	-4.16	-4.06	-3.95	-3.83
Net Increase (Decrease) in Deposit Accounts	125.18	94.07	129.52	70.97	258.74
Financing Cash Flow	84.05	99.94	136.13	183.96	244.82
Net Cash Flow	0.59	2.6	2.47	-110.9	82.22
Free Cash Flow	8.99	12.46	11.26	17.88	11.85
Free Cash Flow Growth	-27.87%	10.67%	-37.03%	50.89%	81.76%
Free Cash Flow Margin	8.72%	12.77%	12.15%	21.54%	15.83%
Free Cash Flow Per Share	3.56	4.94	4.46	7.10	4.72
Cash Interest Paid	46.01	41.11	22.22	8.38	7.69
Cash Income Tax Paid	6.67	4.67	5.64	1.31	2.56

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