URSB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Net Income	0.53	0.5	0.58	0.72
Depreciation & Amortization	0.26	0.27	0.27	0.22
Other Amortization	0.49	0.37	-0.01	-
Gain (Loss) on Sale of Investments	-0.01	0.15	0.12	0.01
Provision for Credit Losses	0.94	0.8	0.12	0.11
Accrued Interest Receivable	-0.19	-0.21	-0.14	-0.41
Change in Other Net Operating Assets	0.82	0.11	-0.46	-0.7
Other Operating Activities	-0.16	-0.45	-0.03	-0.19
Operating Cash Flow	2.69	1.54	0.44	-0.24
Operating Cash Flow Growth	409.49%	247.63%	-	-
Capital Expenditures	-0.03	-0.02	-0.07	-0.64
Investment in Securities	-4.58	0.66	-6.26	-3.17
Net Decrease (Increase) in Loans Originated / Sold - Investing	-52.27	-53.63	-26.45	-46.06
Other Investing Activities	-0.18	-0.43	-0.65	-0.92
Investing Cash Flow	-57.06	-53.42	-33.43	-50.8
Short-Term Debt Issued	-	-	5	20.23
Long-Term Debt Issued	-	34.76	23.21	13.25
Total Debt Issued	25.11	34.76	28.21	33.48
Short-Term Debt Repaid	-	-7	-8	-
Long-Term Debt Repaid	-	-23.33	-0.5	-11.5
Total Debt Repaid	-21.83	-30.33	-8.5	-11.5
Net Debt Issued (Repaid)	3.29	4.44	19.71	21.98
Net Increase (Decrease) in Deposit Accounts	37.42	44.87	13.92	11.61
Other Financing Activities	0.24	0.23	0.2	0.18
Financing Cash Flow	60.48	49.54	33.83	33.77
Net Cash Flow	6.11	-2.34	0.85	-17.27
Free Cash Flow	2.66	1.52	0.37	-0.88
Free Cash Flow Growth	475.11%	311.35%	-	-
Free Cash Flow Margin	31.47%	19.36%	4.96%	-12.19%
Free Cash Flow Per Share	1.14	0.65	-	-
Cash Interest Paid	9.71	9.03	7.27	3.96
Cash Income Tax Paid	0.24	0.29	0.25	0.42