Farmers National Banc 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	45.95	49.93	60.6	51.84
Depreciation & Amortization	6.4	7.33	4.9	3.54
Gain (Loss) on Sale of Assets	0.49	0.32	-0.02	0.25
Gain (Loss) on Sale of Investments	3.19	1.4	5.27	2.55
Provision for Credit Losses	7.97	9.15	1.12	4.89
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.21	0.26	3.81	8.37
Change in Other Net Operating Assets	4.37	-3.24	7.88	-8.08
Other Operating Activities	-3.1	-2.44	-1.81	-1.34
Operating Cash Flow	66.62	62.93	81.5	54.93
Operating Cash Flow Growth	5.86%	-22.79%	48.36%	11.96%
Capital Expenditures	-11.69	-3.88	-2.56	-1.38
Sale of Property, Plant and Equipment	0.33	0.53	1.4	0.04
Cash Acquisitions	-0.6	-13.18	-1.03	83.77
Investment in Securities	2.92	143.22	-123.79	-740.2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-76.77	-55.13	-77.2	231.48
Other Investing Activities	-9.31	6.38	-2.33	2.67
Investing Cash Flow	-95.13	77.94	-205.51	-423.61
Short-Term Debt Issued	-	185	95	-
Long-Term Debt Issued	-	-	-	73.75
Total Debt Issued	-	185	95	73.75
Short-Term Debt Repaid	-50	-	-	-6.77
Long-Term Debt Repaid	-2.54	-	-	-66.98
Total Debt Repaid	-52.54	-	-	-73.75
Net Debt Issued (Repaid)	-52.54	185	95	0
Repurchase of Common Stock	-0.88	-12.17	-0.76	-0.16
Common Dividends Paid	-25.39	-25.4	-22	-14.07
Net Increase (Decrease) in Deposit Accounts	89.39	-260.2	14.53	241.08
Financing Cash Flow	10.59	-112.76	86.77	226.85
Net Cash Flow	-17.92	28.11	-37.24	-141.83
Free Cash Flow	54.92	59.05	78.94	53.56
Free Cash Flow Growth	-6.99%	-25.20%	47.39%	18.05%
Free Cash Flow Margin	33.88%	34.63%	49.69%	37.91%
Free Cash Flow Per Share	1.46	1.57	2.33	1.83
Cash Interest Paid	101.25	78.52	16.46	8.48
Cash Income Tax Paid	-	-	-	12.5

Updated Jan 28, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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