Financial Institutions 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	-41.65	50.26	56.57	77.7
Depreciation & Amortization	7.68	8.09	8.11	8.05
Gain (Loss) on Sale of Assets	-13.66	-	-	-0.44
Gain (Loss) on Sale of Investments	101.95	7.04	4.99	5.42
Total Asset Writedown	0.04	0.01	0.02	-
Provision for Credit Losses	6.15	13.68	13.31	-8.34
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.29	-0.25	6.88	1.05
Change in Other Net Operating Assets	33.69	-55.7	50.68	-11.94
Other Operating Activities	-17.81	-13.45	-9.92	2.27
Operating Cash Flow	77.13	10.89	133.57	72.96
Operating Cash Flow Growth	607.98%	-91.84%	83.07%	67.90%
Capital Expenditures	-4.97	-2.99	-8.37	-9.4
Cash Acquisitions	-	-	-	-1.42
Investment in Securities	-4.48	122.91	69.5	-516
Divestitures	27	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-25.75	-420.23	-376.25	-90.06
Other Investing Activities	-0.03	-9.78	-10.04	-16.55
Investing Cash Flow	-8.23	-310.09	-325.16	-633.42
Short-Term Debt Issued	-	-	175	24.7
Long-Term Debt Issued	-	50	-	-
Total Debt Issued	-	50	175	24.7
Short-Term Debt Repaid	-86	-20	-	-
Total Debt Repaid	-86	-20	-	-
Net Debt Issued (Repaid)	-86	30	175	24.7
Issuance of Common Stock	108.57	-	-	-
Repurchase of Common Stock	-0.43	-0.57	-15.34	-9.24
Preferred Share Repurchases	-0.01	-	-	-0.04
Common Dividends Paid	-18.52	-18.29	-17.59	-16.99
Preferred Dividends Paid	-1.46	-1.46	-1.46	-1.46
Total Dividends Paid	-19.97	-19.75	-19.05	-18.45
Net Increase (Decrease) in Deposit Accounts	-108.18	283.49	102.33	548.72
Financing Cash Flow	-106.02	293.17	242.94	545.69
Net Cash Flow	-37.12	-6.02	51.35	-14.77
Free Cash Flow	72.15	7.9	125.2	63.56
Free Cash Flow Growth	813.10%	-93.69%	96.99%	62.18%
Free Cash Flow Margin	65.14%	3.95%	62.50%	30.27%
Free Cash Flow Per Share	4.60	0.51	8.09	3.99
Cash Interest Paid	156.09	133.85	32.57	14.71
Cash Income Tax Paid	3.49	6.3	3.4	10.83

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

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