CZNC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 11.01 | 14.29 | 13.37 | 13.60 |
| Price to Sales | 48.39 | 61.42 | 70.40 | 4.02 |
| Book Value Per Common Share | 17.84 | 17.15 | 16.07 | 19.13 |
| Price to Book | 1.04 | 1.31 | 1.42 | 1.37 |
| Price to Operating Cash Flow | 8.59 | 10.19 | 10.21 | 11.82 |
| Price to Free Cash Flow | 9.12 | 10.93 | 11.28 | 12.49 |
| Enterprise Value to EBITDA | 21465.24 | 39432.60 | 54742.87 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 47.17 | 47.35 | 49.07 | 48.02 | 53.66 | 53.45 | 55.41 | |||
| Price to Sales | 10.50 | 10.07 | 214.27 | 11.23 | 217.11 | 185.43 | 213.49 | |||
| Book Value Per Common Share | 18.93 | 18.46 | 18.20 | 17.84 | 17.99 | 17.01 | 17.15 | 16.50 | 16.07 | 17.57 |
| Price to Book | 1.05 | 1.03 | 1.11 | 1.04 | 1.09 | 1.10 | 1.31 | 1.30 | 1.42 | 1.39 |
| Price to Operating Cash Flow | 26.93 | 34.17 | 194.96 | 45.56 | 49.92 | 34.50 | 67.53 | |||
| Price to Free Cash Flow | 27.98 | 36.23 | 296.32 | 46.63 | 57.38 | 35.53 | 81.95 | |||
| Enterprise Value to EBITDA | 153067.40 | 154473.82 | 234474.58 | 347115.98 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 7.64 | -8.19 | -10.94 | |
| Revenue YoY | 5.39 | 10.92 | -95.10 | |
| EBITDA YoY | 53.71 | 34.25 | ||
| Net Profit YoY | 7.50 | -9.28 | -12.19 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 5.00 | -2.44 | 0.00 | 17.14 | -12.50 | -9.09 | ||||
| Revenue YoY | 0.54 | 1905.63 | -94.62 | 1931.79 | -25.83 | -0.50 | ||||
| EBITDA YoY | 32.41 | 27.90 | ||||||||
| Net Profit YoY | 7.09 | -3.58 | -0.29 | 18.94 | -15.14 | -9.31 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 8.27 | 3.73 | 3.56 | |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 8.48 | 8.59 | 8.84 | 6.72 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 7.48 | 8.18 | 3.05 | 3.72 | 3.39 | 3.55 | 7.31 | |||
| Quick Ratio | ||||||||||
| Current Ratio | ||||||||||
| Debt to Equity | 8.06 | 8.12 | 8.26 | 8.48 | 8.63 | 8.64 | 8.59 | 8.51 | 8.84 | 7.44 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 0.99 | 0.96 | 1.08 | 1.30 |
| ROE | 9.43 | 9.20 | 10.68 | 10.06 |
| Gross Margin | 62.59 | 96.66 | -44.55 | |
| Operating Margin | 2214.11 | 1487.14 | 1188.62 | |
| EBITDA Margin | 2279.36 | 1562.82 | 1291.21 | |
| Net Profit Margin | 442.44 | 433.77 | 530.34 | 29.61 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.24 | 0.23 | 0.24 | 0.24 | 0.21 | 0.26 | 0.30 | |||
| ROE | 2.21 | 2.12 | 2.23 | 2.28 | 2.03 | 2.45 | 2.50 | |||
| Gross Margin | 83.61 | 27.62 | 80.19 | 50.11 | ||||||
| Operating Margin | 1349.86 | 1346.97 | 732.70 | 549.78 | ||||||
| EBITDA Margin | 1413.26 | 1418.51 | 794.60 | 618.14 | ||||||
| Net Profit Margin | 22.38 | 21.01 | 437.01 | 23.57 | 402.58 | 351.89 | 386.06 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | |||
| Dividend Payout Ratio | 52.70 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | |||||||
| Dividend Payout Ratio | 60.13 | 64.39 | 61.48 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 2,610,653.00 | 2,515,584.00 | 2,454,307.00 | 2,327,648.00 |
| Deposits | 2,093,909.00 | 2,014,806.00 | 1,997,593.00 | 0 |
| Cash and Short-Term Investments | 126,174.00 | 56,878.00 | 55,048.00 | 0 |
| Cash and Cash Equivalents | 126,174.00 | 56,878.00 | 55,048.00 | 104,948.00 |
| Short-Term Investments | 0 | 0 | 0 | 517,679.00 |
| Net Receivables | 8,735.00 | 9,140.00 | 8,653.00 | 7,235.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 24,489.00 | 25,202.00 | 25,707.00 | 20,683.00 |
| Goodwill | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 |
| Intangible Assets | 2,080.00 | 2,469.00 | 2,877.00 | 3,316.00 |
| Long-Term Investments | 0 | 0 | 0 | 517,679.00 |
| Non-Current Deferred Assets | 19,098.00 | 17,441.00 | 20,884.00 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 2,335,369.00 | 2,253,203.00 | 2,204,982.00 | 2,026,243.00 |
| Payables and Expenses | 0 | 0 | 0 | 23,628.00 |
| Account Payables | 0 | 0 | 0 | 23,628.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 2,488.00 | 33,874.00 | 80,062.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 75,752.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 275,284.00 | 262,381.00 | 249,325.00 | 301,405.00 |
| Shareholders Equity | 275,284.00 | 262,381.00 | 249,325.00 | 301,405.00 |
| Capital Stock | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 |
| Share Premium | 143,565.00 | 144,388.00 | 143,950.00 | 144,453.00 |
| Retained Earnings | 165,778.00 | 157,028.00 | 151,743.00 | 142,612.00 |
| Treasury Shares | -13,328.00 | -16,628.00 | -12,520.00 | 6,716.00 |
| Accumulated Other Comprehensive Income | -36,761.00 | -38,437.00 | -49,878.00 | 5,026.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 185,197.00 | 199,046.00 | 270,087.00 | 0 |
| Debt | 42,218.00 | 73,422.00 | 119,434.00 | 75,752.00 |
| Net Debt | 0 | 16,544.00 | 64,386.00 | 0 |
| Common Shares Outstanding | 15,433.49 | 15,295.14 | 15,518.82 | 15,759.09 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 5,867.00 | 5,567.00 | 5,019.00 | 102,387.00 |
| Cost Of Revenue | 2,195.00 | 186.00 | 7,255.00 | 0 |
| Interest Income | 128,078.00 | 113,504.00 | 92,647.00 | 84,501.00 |
| Interest Expense | 48,963.00 | 33,104.00 | 9,519.00 | 6,562.00 |
| Net Interest | 79,115.00 | 80,400.00 | 83,128.00 | 0 |
| Non-Interest Income | 29,209.00 | 24,417.00 | 24,432.00 | 0 |
| Non-Interest Expense | 74,258.00 | -74,148.00 | -67,955.00 | 61,039.00 |
| Provisions for Credit Losses | 2,195.00 | 186.00 | 7,255.00 | 0 |
| Gross Profit | 3,672.00 | 5,381.00 | -2,236.00 | 0 |
| Selling, General and Administrative Expenses | 105,276.00 | 59,631.00 | 56,177.00 | 37,603.00 |
| EBT | 80,939.00 | 49,685.00 | 50,138.00 | 37,687.00 |
| Income Tax | 5,913.00 | 6,335.00 | 5,732.00 | 7,133.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 30,554.00 |
| Net Income | 25,958.00 | 24,148.00 | 26,618.00 | 30,313.00 |
| EBIT | 129,902.00 | 82,789.00 | 59,657.00 | 0 |
| Deprecation and Amortization | 3,828.00 | 4,213.00 | 5,149.00 | 2,130.00 |
| EBITDA | 133,730.00 | 87,002.00 | 64,806.00 | 0 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 15,262.50 | 15,241.86 | 15,455.43 | 15,765.64 |
| Average Shares Outstanding Diluted | 15,262.50 | 15,241.86 | 15,458.53 | 15,771.95 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 33,035.00 | 33,548.00 | 34,599.00 | 34,844.00 |
| Operating Net Income | 25,958.00 | 24,148.00 | 26,618.00 | 30,554.00 |
| Deprecation and Amortization | 3,828.00 | 4,213.00 | 5,149.00 | 2,130.00 |
| Deferred Income Tax | -1,504.00 | 836.00 | -400.00 | -1,381.00 |
| Share Based Compensation | 0 | 0 | 0 | 1,214.00 |
| Change in Working Capital | 4,978.00 | 2,761.00 | -4,121.00 | -109.00 |
| Other Operating Activities | -225.00 | 1,590.00 | 7,353.00 | 2,436.00 |
| Investing Cash Flow | -20,938.00 | -53,202.00 | -234,688.00 | -103,895.00 |
| Capital Expenditure | -1,906.00 | -2,265.00 | -3,288.00 | 0 |
| Net Purchase/Sale of PPE | -1,906.00 | -2,265.00 | -3,288.00 | -1,237.00 |
| Net Purchase/Sale of Investments Net | 13,433.00 | 89,837.00 | -50,989.00 | -180,214.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -48,697.00 | -107,356.00 | -178,203.00 | 0 |
| Other Investing Activities | 18,138.00 | -31,153.00 | 1,080.00 | 77,556.00 |
| Financing Cash Flow | 58,699.00 | 24,734.00 | 151,939.00 | 68,882.00 |
| Net Issuance/Repayment of Debt | -4,249.00 | 29,853.00 | 112,804.00 | -13,149.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 160.00 | -7,374.00 |
| Dividends Paid | 15,530.00 | 15,569.00 | 15,865.00 | -15,976.00 |
| Other Financing Activities | 47,418.00 | -20,688.00 | 23,110.00 | 105,381.00 |
| Net Change in Cash | 70,796.00 | 5,080.00 | -48,150.00 | -169.00 |
| Cash at Beginning of Period | 52,778.00 | 47,698.00 | 95,848.00 | 96,017.00 |
| Cash at End of Period | 123,574.00 | 52,778.00 | 47,698.00 | 95,848.00 |
| Free Cash Flow | 31,129.00 | 31,283.00 | 31,311.00 | 32,980.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 2,664,033.00 | 2,610,875.00 | 2,609,228.00 | 2,610,653.00 | 2,670,822.00 | 2,521,537.00 | 2,515,584.00 | 2,429,872.00 | 2,454,307.00 | 2,330,371.00 |
| Deposits | 0 | 0 | 2,102,141.00 | 2,093,909.00 | 0 | 1,995,903.00 | 2,014,806.00 | 1,916,040.00 | 1,997,593.00 | 1,960,952.00 |
| Cash and Short-Term Investments | 0 | 0 | 114,738.00 | 126,174.00 | 0 | 46,448.00 | 56,878.00 | 52,212.00 | 55,048.00 | 114,346.00 |
| Cash and Cash Equivalents | 123,090.00 | 99,619.00 | 114,738.00 | 126,174.00 | 184,213.00 | 46,448.00 | 56,878.00 | 52,212.00 | 55,048.00 | 114,346.00 |
| Short-Term Investments | 210,119.00 | 243,646.00 | 0 | 0 | 408,422.00 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 9,656.00 | 8,719.00 | 9,281.00 | 8,735.00 | 9,419.00 | 9,465.00 | 9,140.00 | 8,805.00 | 8,653.00 | 21,778.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 21,055.00 | 21,195.00 | 21,304.00 | 24,489.00 | 21,537.00 | 21,852.00 | 25,202.00 | 21,277.00 | 25,707.00 | 21,169.00 |
| Goodwill | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 | 52,505.00 |
| Intangible Assets | 1,762.00 | 1,868.00 | 1,974.00 | 2,080.00 | 2,177.00 | 2,372.00 | 2,469.00 | 2,775.00 | 2,877.00 | 3,206.00 |
| Long-Term Investments | 210,119.00 | 243,646.00 | 0 | 0 | 408,422.00 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 17,194.00 | 19,098.00 | 0 | 17,703.00 | 17,441.00 | 18,914.00 | 20,884.00 | 11,818.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,370,074.00 | 2,324,518.00 | 2,327,397.00 | 2,335,369.00 | 2,393,517.00 | 2,259,881.00 | 2,253,203.00 | 2,174,304.00 | 2,204,982.00 | 2,054,163.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 571.00 | 2,488.00 | 19,138.00 | 48,831.00 | 33,874.00 | 93,396.00 | 80,062.00 | 2,357.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 172,765.00 | 183,717.00 | 0 | 0 | 205,163.00 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 293,959.00 | 286,357.00 | 281,831.00 | 275,284.00 | 277,305.00 | 261,656.00 | 262,381.00 | 255,568.00 | 249,325.00 | 276,208.00 |
| Shareholders Equity | 293,959.00 | 286,357.00 | 281,831.00 | 275,284.00 | 277,305.00 | 261,656.00 | 262,381.00 | 255,568.00 | 249,325.00 | 276,208.00 |
| Capital Stock | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 | 16,030.00 |
| Share Premium | 143,352.00 | 142,982.00 | 142,968.00 | 143,565.00 | 143,206.00 | 143,016.00 | 144,388.00 | 143,395.00 | 143,950.00 | 142,991.00 |
| Retained Earnings | 171,733.00 | 169,521.00 | 167,741.00 | 165,778.00 | 161,920.00 | 158,051.00 | 157,028.00 | 151,990.00 | 151,743.00 | 145,073.00 |
| Treasury Shares | 11,130.00 | 11,502.00 | -12,218.00 | -13,328.00 | 13,787.00 | -14,735.00 | -16,628.00 | -13,050.00 | -12,520.00 | -7,708.00 |
| Accumulated Other Comprehensive Income | -26,026.00 | -30,674.00 | -32,690.00 | -36,761.00 | -30,064.00 | -40,706.00 | -38,437.00 | -42,797.00 | -49,878.00 | -20,178.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 184,886.00 | 185,197.00 | 0 | 195,157.00 | 199,046.00 | 254,618.00 | 270,087.00 | 532,913.00 |
| Debt | 172,765.00 | 183,717.00 | 40,348.00 | 42,218.00 | 224,301.00 | 88,424.00 | 73,422.00 | 132,811.00 | 119,434.00 | 50,105.00 |
| Net Debt | 49,675.00 | 84,098.00 | 0 | 0 | 40,088.00 | 41,976.00 | 16,544.00 | 80,599.00 | 64,386.00 | 0 |
| Common Shares Outstanding | 15,531.70 | 15,514.94 | 15,482.85 | 15,433.49 | 15,414.13 | 15,378.07 | 15,295.14 | 15,485.03 | 15,518.82 | 15,718.72 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Revenues | 29,038.00 | 28,881.00 | 1,440.00 | 26,779.00 | 1,318.00 | 1,777.00 | 1,786.00 |
| Cost Of Revenue | 0 | 0 | 236.00 | 0 | 954.00 | 352.00 | 891.00 |
| Interest Income | 33,650.00 | 32,454.00 | 31,709.00 | 33,087.00 | 30,336.00 | 26,139.00 | 21,773.00 |
| Interest Expense | 11,387.00 | 11,312.00 | 11,734.00 | 12,931.00 | 11,295.00 | 5,358.00 | 1,441.00 |
| Net Interest | 0 | 0 | 19,975.00 | 0 | 19,041.00 | 20,781.00 | 20,332.00 |
| Non-Interest Income | 0 | 0 | 7,008.00 | 0 | 6,675.00 | 5,616.00 | 5,823.00 |
| Non-Interest Expense | 17,978.00 | 18,828.00 | 19,043.00 | 17,759.00 | -18,304.00 | -19,087.00 | -16,886.00 |
| Provisions for Credit Losses | 0 | 0 | 236.00 | 0 | 954.00 | -352.00 | 891.00 |
| Gross Profit | 0 | 0 | 1,204.00 | 0 | 364.00 | 1,425.00 | 895.00 |
| Selling, General and Administrative Expenses | 11,293.00 | 11,067.00 | 27,565.00 | 10,875.00 | 15,522.00 | 15,702.00 | 14,130.00 |
| EBT | 8,015.00 | 7,532.00 | 7,704.00 | 7,813.00 | 6,458.00 | 7,662.00 | 8,378.00 |
| Income Tax | 1,464.00 | 1,415.00 | 1,411.00 | 1,448.00 | 1,152.00 | 1,409.00 | 1,483.00 |
| Net Income Including Non-Controlling Interests | 6,551.00 | 6,117.00 | 0 | 6,365.00 | 0 | 0 | 0 |
| Net Income | 6,498.00 | 6,068.00 | 6,293.00 | 6,311.00 | 5,306.00 | 6,253.00 | 6,895.00 |
| EBIT | 0 | 0 | 19,438.00 | 0 | 17,753.00 | 13,020.00 | 9,819.00 |
| Deprecation and Amortization | 561.00 | 562.00 | 913.00 | 578.00 | 943.00 | 1,100.00 | 1,221.00 |
| EBITDA | 0 | 0 | 20,351.00 | 0 | 18,696.00 | 14,120.00 | 11,040.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 15,398.26 | 15,359.00 | 15,338.53 | 15,267.12 | 15,230.58 | 15,409.68 | 15,645.47 |
| Average Shares Outstanding Diluted | 15,398.26 | 15,359.00 | 15,338.53 | 15,267.12 | 15,230.58 | 15,410.62 | 15,649.17 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 11,328.00 | 8,513.00 | 1,583.00 | 6,598.00 | 5,729.00 | 9,549.00 | 5,648.00 |
| Operating Net Income | 6,551.00 | 6,117.00 | 6,293.00 | 6,365.00 | 5,306.00 | 6,253.00 | 6,895.00 |
| Deprecation and Amortization | 561.00 | 562.00 | 913.00 | 578.00 | 943.00 | 1,100.00 | 1,221.00 |
| Deferred Income Tax | -723.00 | -723.00 | 759.00 | -1,182.00 | 339.00 | 526.00 | 770.00 |
| Share Based Compensation | 337.00 | 331.00 | 0 | 383.00 | 0 | 0 | 0 |
| Change in Working Capital | 53.00 | 2,050.00 | -7,519.00 | 752.00 | -1,563.00 | 2,131.00 | -2,626.00 |
| Other Operating Activities | 4,549.00 | 176.00 | 1,137.00 | -298.00 | 704.00 | -461.00 | -612.00 |
| Investing Cash Flow | -29,115.00 | -16,543.00 | -4,166.00 | 22,049.00 | -18,623.00 | 26,506.00 | -18,120.00 |
| Capital Expenditure | 0 | 0 | -542.00 | 0 | -744.00 | -276.00 | -993.00 |
| Net Purchase/Sale of PPE | -426.00 | -485.00 | -542.00 | -150.00 | -744.00 | -276.00 | -993.00 |
| Net Purchase/Sale of Investments Net | -3,628.00 | 4,670.00 | -1,233.00 | 7,056.00 | 7,478.00 | 31,752.00 | -44,128.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -48,697.00 | -107,356.00 | -178,203.00 | 0 | |||
| Other Investing Activities | -25,061.00 | -20,728.00 | 714.00 | 15,143.00 | -300.00 | -302.00 | 1,187.00 |
| Financing Cash Flow | 42,008.00 | -6,839.00 | -8,853.00 | 56,154.00 | 2,464.00 | -37,641.00 | 21,870.00 |
| Net Issuance/Repayment of Debt | -10,044.00 | -10,567.00 | -12,945.00 | -16,476.00 | 25,454.00 | 49,711.00 | -6,826.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -60.00 | 0 | 0 | 141.00 |
| Dividends Paid | -3,907.00 | -3,907.00 | 3,932.00 | -3,880.00 | 3,876.00 | 3,951.00 | 4,017.00 |
| Other Financing Activities | 55,959.00 | 7,635.00 | 160.00 | 76,570.00 | -26,866.00 | -91,303.00 | 24,538.00 |
| Net Change in Cash | 24,221.00 | -14,869.00 | -11,436.00 | 84,801.00 | -10,430.00 | -1,586.00 | 9,398.00 |
| Cash at Beginning of Period | 97,269.00 | 112,138.00 | 123,574.00 | 96,562.00 | 52,778.00 | 47,698.00 | 95,848.00 |
| Cash at End of Period | 121,490.00 | 97,269.00 | 112,138.00 | 181,363.00 | 42,348.00 | 46,112.00 | 105,246.00 |
| Free Cash Flow | 10,902.00 | 8,028.00 | 1,041.00 | 6,448.00 | 4,985.00 | 9,273.00 | 4,655.00 |