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 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	55.8	55.85	114.05	100.03
Depreciation & Amortization	8.11	8.27	8.76	8.54
Other Amortization	0.02	0.08	0.11	0.12
Gain (Loss) on Sale of Assets	0.04	0.02	0.49	-0.03
Gain (Loss) on Sale of Investments	1.32	2.33	6.83	14.34
Provision for Credit Losses	8.46	12.34	-20.5	9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-3.34	-4.17	5.75	32.25
Accrued Interest Receivable	3.37	-3.63	-8.57	5.34
Change in Other Net Operating Assets	-29.88	47.18	16.61	0.37
Other Operating Activities	-4.43	-4.68	1.38	-3.16
Operating Cash Flow	40.51	116.19	126.53	161.78
Operating Cash Flow Growth	-65.13%	-8.18%	-21.79%	31.16%
Capital Expenditures	-11.03	-6.57	-8.56	-4.57
Sale of Property, Plant and Equipment	0.2	0.07	0.12	0.16
Investment in Securities	1,106	-539.42	1,209	-1,353
Purchase / Sale of Intangibles	-	-	-	-0.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-379.04	-464.56	-529.8	50.02
Other Investing Activities	0.38	-11.7	1.64	-76.42
Investing Cash Flow	716.47	-1,022	672.15	-1,384
Short-Term Debt Issued	-	1,543	-	23.08
Long-Term Debt Issued	-	500	-	-
Total Debt Issued	-	2,043	-	23.08
Short-Term Debt Repaid	-1,425	-	-30.48	-
Total Debt Repaid	-1,425	-	-30.48	-
Net Debt Issued (Repaid)	-1,425	2,043	-30.48	23.08
Repurchase of Common Stock	-9.04	-1.03	-11.25	-7.92
Common Dividends Paid	-18.49	-18.54	-26.11	-23.8
Total Dividends Paid	-18.49	-18.54	-26.11	-23.8
Net Increase (Decrease) in Deposit Accounts	686.36	-1,099	-673.18	1,191
Financing Cash Flow	-765.91	924.57	-741.03	1,183
Net Cash Flow	-8.93	18.59	57.65	-39.28
Free Cash Flow	29.49	109.62	117.97	157.22
Free Cash Flow Growth	-73.10%	-7.07%	-24.97%	42.80%
Free Cash Flow Margin	8.53%	33.22%	29.36%	43.93%
Free Cash Flow Per Share	11.79	43.75	46.83	61.93
Cash Interest Paid	254.42	99.22	13.02	9.59
Cash Income Tax Paid	16.26	14.68	27.35	35.21

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