Amalgamated Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	102.3	106.43	87.98	81.48	52.94	46.19
Depreciation & Amortization	1.8	5.43	6.4	10.35	4.85	5.26
Other Amortization	-	-	-	-	2.74	3.2
Gain (Loss) on Sale of Assets	-	-	-	0.17	0.41	-0.91
Gain (Loss) on Sale of Investments	3.95	9.7	7.39	3.62	3.22	0.23
Provision for Credit Losses	14.47	10.28	14.67	15	-0.29	24.79
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.94	0.43	3.24	20.02	10.73	-6.26
Accrued Interest Receivable	-2.8	-5.69	-14.04	-12.62	-4.85	-4.88
Change in Other Net Operating Assets	-10.29	-21.19	9.65	11.37	-5.75	5.4
Other Operating Activities	7.08	4.1	2.21	11.86	6.78	-2
Operating Cash Flow	127.64	124.07	117.22	147.32	70.54	65.77
Operating Cash Flow Growth	15.65%	5.84%	-20.43%	108.85%	7.25%	-21.20%
Capital Expenditures	-2.97	-1.78	-1.48	-1.67	-2.4	-1.61
Sale of Property, Plant and Equipment	0.05	-	-	-	-	1.61
Investment in Securities	-89.34	-5.56	180.36	-556.3	-959.82	-544.82
Income (Loss) Equity Investments	2.39	0.83	-4.93	2.77	-0.15	-7.41
Net Decrease (Increase) in Loans Originated / Sold - Investing	-208.77	-297.31	-341.46	-623.01	93.31	-191.38
Other Investing Activities	0.33	-11.3	28.17	-21.65	1.22	-18.96
Investing Cash Flow	-300.7	-315.95	-134.41	-1,202	-865.41	-755.14
Short-Term Debt Issued	-	16.33	-	580	-	-
Long-Term Debt Issued	-	-	-	-	83.83	-
Total Debt Issued	16.33	16.33	-	580	83.83	-
Short-Term Debt Repaid	-	-	-345.62	-	-	-75
Long-Term Debt Repaid	-	-5.93	-6.05	-5.63	-	-
Total Debt Repaid	-9.37	-5.93	-351.67	-5.63	-	-75
Net Debt Issued (Repaid)	6.96	10.4	-351.67	574.37	83.83	-75
Issuance of Common Stock	1.39	0.79	0.8	0.67	-	-
Repurchase of Common Stock	-27.53	-3.38	-9.54	-14.38	-4.81	-7.12
Preferred Share Repurchases	-	-	-	-	-	-0
Common Dividends Paid	-16.7	-14.23	-12.33	-11.21	-9.98	-
Total Dividends Paid	-16.7	-14.23	-12.33	-11.21	-9.98	-9.99
Net Increase (Decrease) in Deposit Accounts	175.41	168.62	416.95	238.78	1,018	697.73
Other Financing Activities	-0.13	-0.13	-	-	-	-0.02
Financing Cash Flow	139.4	162.06	44.21	788.22	1,087	605.6
Net Cash Flow	-33.66	-29.82	27.03	-266.95	291.72	-83.77
Free Cash Flow	124.67	122.29	115.75	145.65	68.14	64.16
Free Cash Flow Growth	14.29%	5.65%	-20.53%	113.75%	6.21%	-22.43%
Free Cash Flow Margin	40.76%	40.19%	42.16%	58.70%	33.57%	32.76%
Free Cash Flow Per Share	4.04	3.95	3.76	4.67	2.16	2.05
Cash Interest Paid	125.28	128.78	85.71	18	6.04	11.48
Cash Income Tax Paid	23.24	30.11	22.63	6.65	5.69	9.82

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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