CCNB 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	10.94	8.51	8.13	7.21	6.24
Depreciation & Amortization	0.56	0.6	0.64	0.68	0.84
Gain (Loss) on Sale of Assets	-	-	-0.02	-0	-0.15
Gain (Loss) on Sale of Investments	0.3	0.35	0.58	0.39	0.42
Provision for Credit Losses	1.73	0.7	0.44	1.59	0.73
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.46	0.44	-0.28	4.82	8.07
Accrued Interest Receivable	-0.67	-0.43	-0.59	-1.05	0.16
Change in Other Net Operating Assets	0.19	0.35	-0.2	0.45	-0.4
Operating Cash Flow	13.7	10.49	9.21	13.22	12.18
Operating Cash Flow Growth	30.63%	13.86%	-30.34%	8.52%	-
Capital Expenditures	-3.36	-0.84	-0.35	-0.52	-2.15
Sale of Property, Plant and Equipment	-	-	0.04	0	1.71
Investment in Securities	12.7	6.78	6.25	-29.4	-23.65
Net Decrease (Increase) in Loans Originated / Sold - Investing	-107.76	-73.72	-115.25	-185.39	-48.41
Other Investing Activities	-0.12	0.72	-1.05	-0.29	-5.01
Investing Cash Flow	-98.54	-67.06	-110.36	-215.61	-77.52
Long-Term Debt Issued	2	-	17	10	-
Long-Term Debt Repaid	-	-17	-	-	-
Net Debt Issued (Repaid)	2	-17	17	10	-
Issuance of Common Stock	14.12	0.03	-	-	-
Common Dividends Paid	-	-	-0	-0	-0.11
Net Increase (Decrease) in Deposit Accounts	158.23	160.49	85.96	57.93	151.42
Financing Cash Flow	174.35	143.52	102.96	67.93	151.31
Net Cash Flow	89.51	86.94	1.81	-134.46	85.98
Free Cash Flow	10.33	9.65	8.86	12.7	10.03
Free Cash Flow Growth	7.09%	8.93%	-30.23%	26.61%	-
Free Cash Flow Margin	26.37%	29.16%	30.23%	47.01%	40.68%
Free Cash Flow Per Share	1.62	1.54	1.43	2.04	1.63
Cash Interest Paid	23.72	22.95	13.95	3.08	2.78
Cash Income Tax Paid	3.39	1.94	2.41	1.46	2.02

Source: S&P Global Market Intelligence. Banks template. Financial Sources.