Bank First 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	65.56	74.51	45.21	45.44
Depreciation & Amortization	8.05	8.4	3.97	3.19
Gain (Loss) on Sale of Assets	-0.32	2.5	-0.09	-0.06
Gain (Loss) on Sale of Investments	-3.38	-33.38	0.32	0.81
Total Asset Writedown	-4.64	-6.88	-2.56	-1.95
Provision for Credit Losses	-0.8	4.68	2.2	3.1
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.22	-1.47	1.7	5.53
Change in Other Net Operating Assets	2.86	13.91	0.47	-3.15
Other Operating Activities	-0.08	-5.39	-5.7	-1.51
Operating Cash Flow	65.85	52.95	40.01	40.28
Operating Cash Flow Growth	24.37%	32.34%	-0.68%	-8.37%
Capital Expenditures	-7.23	-13.48	-6.87	-8.72
Sale of Property, Plant and Equipment	2.38	-	-	0.55
Cash Acquisitions	-	89.96	154.36	-
Investment in Securities	-85.65	228.05	-127.72	-50.65
Income (Loss) Equity Investments	-3.5	-5.19	-5.61	-5.14
Net Decrease (Increase) in Loans Originated / Sold - Investing	-168.86	-37.41	-198	-41.71
Other Investing Activities	2.47	0.05	0.11	4.75
Investing Cash Flow	-252.94	269	-177.81	-93.89
Short-Term Debt Issued	-	-	56.07	4.75
Long-Term Debt Issued	140	121.7	3,129	5
Total Debt Issued	140	121.7	3,185	9.75
Short-Term Debt Repaid	-75.75	-21.45	-	-
Long-Term Debt Repaid	-44.12	-112.86	-3,130	-20.38
Total Debt Repaid	-119.87	-134.3	-3,130	-20.38
Net Debt Issued (Repaid)	20.13	-12.6	55.19	-10.64
Issuance of Common Stock	0.25	0.2	0.11	0.11
Repurchase of Common Stock	-31.93	-10.05	-14.31	-8.27
Common Dividends Paid	-15.56	-11.96	-7.82	-8.73
Net Increase (Decrease) in Deposit Accounts	228.07	-159.41	-72.88	207.77
Financing Cash Flow	200.95	-193.82	-39.71	180.24
Net Cash Flow	13.86	128.12	-177.51	126.64
Free Cash Flow	58.62	39.46	33.14	31.57
Free Cash Flow Growth	48.56%	19.09%	4.98%	-11.31%
Free Cash Flow Margin	37.05%	22.04%	27.25%	28.57%
Free Cash Flow Per Share	5.84	3.88	4.12	4.14
Cash Interest Paid	65.97	44.15	11.31	7.06
Cash Income Tax Paid	14.09	23.81	14.14	16.76

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

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