W.T.B. Financial 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	93.74	55.8	55.85	114.05	100.03
Depreciation & Amortization	8.13	8.11	8.27	8.76	8.54
Other Amortization	0	0.02	0.08	0.11	0.12
Gain (Loss) on Sale of Assets	-0.03	0.04	0.02	0.49	-0.03
Gain (Loss) on Sale of Investments	3	1.32	2.33	6.83	14.34
Provision for Credit Losses	-2.06	8.46	12.34	-20.5	9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-4.88	-3.34	-4.17	5.75	32.25
Accrued Interest Receivable	-0.42	3.37	-3.63	-8.57	5.34
Change in Other Net Operating Assets	11.63	-29.88	47.18	16.61	0.37
Other Operating Activities	-2.04	-4.43	-4.68	1.38	-3.16
Operating Cash Flow	107.91	40.51	116.19	126.53	161.78
Operating Cash Flow Growth	166.37%	-65.13%	-8.18%	-21.79%	31.16%
Capital Expenditures	-18.24	-11.03	-6.57	-8.56	-4.57
Sale of Property, Plant and Equipment	0.03	0.2	0.07	0.12	0.16
Investment in Securities	531.8	1,106	-539.42	1,209	-1,353
Purchase / Sale of Intangibles	-	-	-	-	-0.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-455.3	-379.04	-464.56	-529.8	50.02
Other Investing Activities	8.01	0.38	-11.7	1.64	-76.42
Investing Cash Flow	66.39	716.47	-1,022	672.15	-1,384
Short-Term Debt Issued	0.79	-	1,543	-	23.08
Long-Term Debt Issued	-	-	500	-	-
Total Debt Issued	0.79	-	2,043	-	23.08
Short-Term Debt Repaid	-	-1,425	-	-30.48	-
Long-Term Debt Repaid	-250	-	-	-	-
Total Debt Repaid	-250	-1,425	-	-30.48	-
Net Debt Issued (Repaid)	-249.21	-1,425	2,043	-30.48	23.08
Repurchase of Common Stock	-19.45	-9.04	-1.03	-11.25	-7.92
Common Dividends Paid	-22.67	-18.49	-18.54	-26.11	-23.8
Total Dividends Paid	-22.67	-18.49	-18.54	-26.11	-23.8
Net Increase (Decrease) in Deposit Accounts	118.61	686.36	-1,099	-673.18	1,191
Financing Cash Flow	-172.71	-765.91	924.57	-741.03	1,183
Net Cash Flow	1.59	-8.93	18.59	57.65	-39.28
Free Cash Flow	89.67	29.49	109.62	117.97	157.22
Free Cash Flow Growth	204.12%	-73.10%	-7.07%	-24.97%	42.80%
Free Cash Flow Margin	21.13%	8.53%	33.22%	29.36%	43.93%
Free Cash Flow Per Share	36.41	11.79	43.75	46.83	61.93
Cash Interest Paid	144.62	254.42	99.22	13.02	9.59
Cash Income Tax Paid	25.66	16.34	15.48	27.35	35.21

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.