First Community 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	19.21	13.96	11.84	14.61	15.47
Depreciation & Amortization	1.87	1.86	1.92	1.82	1.92
Provision for Credit Losses	0.77	0.81	1.13	-0.15	0.34
Stock-Based Compensation	1.16	0.75	0.79	-	-
Net Change in Loans Held-for-Sale	2.18	-2.88	-1.25	7.22	37.9
Other Adjustments	-6.86	-6.05	-3.45	-0.14	2.03
Changes in Other Operating Activities	0.36	3.17	2.03	-1.24	0.28
Operating Cash Flow	18.69	11.62	13.02	22.13	57.93
Operating Cash Flow Growth	60.78%	-10.72%	-41.15%	-61.81%	-
Net Change in Loans Held-for-Investment	-90.53	-86.59	-153.03	-116.8	-19.1
Net Change in Securities and Investments	10.42	20.05	64.01	-45.92	-217.15
Capital Expenditures	-1.11	-1.1	-1.07	-1.22	-0.81
Sale of Property, Plant & Equipment	0.41	-	0.42	1.16	1.63
Other Investing Activities	-	-	-	-	-0.85
Investing Cash Flow	-80.82	-67.63	-89.67	-162.78	-236.28
Net Change in Deposits	73.64	164.9	125.62	24.09	171.88
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	4.08	40.25	-27.88	36.53	13.3
Long-Term Debt Issued	-	-	289	118	-
Long-Term Debt Repaid	-	-90	-249	-68	-
Net Long-Term Debt Issued (Repaid)	-	-90	40	50	-
Issuance of Common Stock	0.39	0.41	0.44	2.37	0.87
Repurchase of Common Stock	-	-	-	-0.04	-0.07
Net Common Stock Issued (Repurchased)	0.39	0.41	0.44	2.33	0.8
Common Dividends Paid	-4.75	-4.42	-4.24	-3.91	-3.59
Financing Cash Flow	73.36	111.14	133.94	109.03	182.38
Net Cash Flow	11.23	55.13	57.29	-31.62	4.03
Free Cash Flow	17.58	10.53	11.95	20.9	57.12
Free Cash Flow Growth	66.99%	-11.90%	-42.83%	-63.40%	-
FCF Margin	22.48%	16.14%	20.54%	35.03%	97.06%
Free Cash Flow Per Share	2.27	1.37	1.56	2.75	7.57
Levered Free Cash Flow	20.32	-72.11	54.72	63.97	16.85
Unlevered Free Cash Flow	1.12	3.94	2.88	-0.64	1.38

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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