WBHC 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	75.7	56.53	48.94	53.04	49.43
Depreciation & Amortization	5.08	4.88	4.57	5.39	4.62
Gain (Loss) on Sale of Assets	0.13	0.31	0.07	-0.3	0.05
Gain (Loss) on Sale of Investments	3	4.44	3.89	5.62	5.35
Provision for Credit Losses	6.93	4.6	3.31	7.64	1.41
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.5	2.83	3.7	11.46	17.63
Accrued Interest Receivable	-2.07	-1.72	-3.8	-3.76	-0.13
Change in Other Net Operating Assets	0.68	-7.25	11.15	-2.89	-4.84
Other Operating Activities	-2.74	-2.23	-5.11	-3.42	-2.04
Operating Cash Flow	89.95	61.98	86.1	73.21	61.45
Operating Cash Flow Growth	45.13%	-28.02%	17.62%	19.14%	22.31%
Capital Expenditures	-3.7	-3.49	-4.64	-5.02	-8.92
Sale of Property, Plant and Equipment	0.04	-	-	1.76	-
Cash Acquisitions	8.13	-	-	-	-
Investment in Securities	-97.07	-21.34	37.99	-71.8	-342.64
Net Decrease (Increase) in Loans Originated / Sold - Investing	-246.44	-495.81	-442.45	-673.87	-164.1
Other Investing Activities	-12.01	-0.56	1.39	-9.96	-14.97
Investing Cash Flow	-351.05	-521.21	-407.72	-758.9	-530.46
Long-Term Debt Repaid	-0.08	-0.03	-0.03	-0.03	-3.64
Total Debt Repaid	-0.08	-0.03	-0.03	-0.03	-3.64
Net Debt Issued (Repaid)	-0.08	-0.03	-0.03	-0.03	-3.64
Issuance of Common Stock	0.66	0.58	1.04	16.75	12.05
Repurchase of Common Stock	-	-2.18	-	-	-
Common Dividends Paid	-8.33	-5.82	-4.32	-20.88	-14.91
Net Increase (Decrease) in Deposit Accounts	388.89	462.93	474.4	337.63	594.48
Other Financing Activities	-0.27	-1.29	-1.63	3.59	-4.4
Financing Cash Flow	380.86	454.18	469.46	337.07	583.58
Net Cash Flow	119.76	-5.05	147.85	-348.63	114.56
Free Cash Flow	86.25	58.49	81.46	68.19	52.53
Free Cash Flow Growth	47.48%	-28.20%	19.47%	29.81%	9.39%
Free Cash Flow Margin	39.22%	32.20%	49.71%	42.34%	35.10%
Free Cash Flow Per Share	7.13	4.94	7.00	5.98	4.71
Cash Interest Paid	128.65	125.28	62.62	14.62	12.11
Cash Income Tax Paid	23.44	18.84	16.51	19.45	16.83

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