COFS 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	26.73	21.26	23.64	22.04
Depreciation & Amortization	12.33	12.43	13.34	12.43
Gain (Loss) on Sale of Assets	-0.05	-0.01	-0.04	-0.02
Gain (Loss) on Sale of Investments	-0.2	0.32	1.76	-0.44
Provision for Credit Losses	0.63	0.15	0.25	0.42
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.19	1.26	5.85	8.01
Change in Other Net Operating Assets	13.97	12.99	2	0.3
Other Operating Activities	-1.86	-0.96	-1.09	0.93
Operating Cash Flow	48.65	46.48	44.33	37.7
Operating Cash Flow Growth	4.66%	4.86%	17.58%	344.67%
Capital Expenditures	-1.71	-4.23	-1.16	-2.76
Investment in Securities	42.93	47.51	43.24	-554
Net Decrease (Increase) in Loans Originated / Sold - Investing	-136.07	-221.25	-130.62	45.38
Other Investing Activities	-3.06	-3.39	-1.26	-10
Investing Cash Flow	-97.91	-181.37	-89.81	-521.37
Long-Term Debt Issued	315	420	726	87.5
Total Debt Issued	315	420	726	87.5
Long-Term Debt Repaid	-340	-270	-726	-14.33
Total Debt Repaid	-340	-270	-726	-14.33
Net Debt Issued (Repaid)	-25	150	-	73.17
Issuance of Common Stock	32.77	0.23	0.17	0.14
Repurchase of Common Stock	-	-	-0.68	-7.79
Common Dividends Paid	-9.01	-7.91	-7.58	-7.2
Net Increase (Decrease) in Deposit Accounts	92.05	4.05	65.71	377.72
Other Financing Activities	-0.22	-	-0.09	-
Financing Cash Flow	90.58	146.37	57.54	436.04
Net Cash Flow	41.32	11.49	12.06	-47.63
Free Cash Flow	46.94	42.25	43.16	34.94
Free Cash Flow Growth	11.11%	-2.12%	23.54%	427.32%
Free Cash Flow Margin	51.52%	52.39%	53.38%	43.99%
Free Cash Flow Per Share	5.71	5.58	5.73	4.54
Cash Interest Paid	49.9	27.48	7.58	3.72
Cash Income Tax Paid	6.35	4.45	1.99	3.25

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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