CSB Bancorp 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	13.36	10.01	14.76	13.31	10.84
Depreciation & Amortization	0.94	0.94	0.92	0.96	0.89
Gain (Loss) on Sale of Investments	0.53	0.68	0.83	1.07	1.29
Provision for Credit Losses	5.3	7.24	0.2	-0.9	-0.66
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.27	-0.09	0.17	1.07	4.39
Accrued Interest Receivable	-0.28	-0.11	-0.35	-0.87	0.52
Change in Other Net Operating Assets	-0.28	-2.14	-0.58	0.83	-0.02
Other Operating Activities	-0.03	-0.7	-0.41	-0.81	-0.75
Operating Cash Flow	19.5	15.67	15.63	14.39	15.02
Operating Cash Flow Growth	24.46%	0.26%	8.58%	-4.17%	5.96%
Capital Expenditures	-0.41	-1.96	-0.42	-0.37	-1.99
Sale of Property, Plant and Equipment	-	-	0.01	-	-
Investment in Securities	18.16	38.28	33.64	-105.81	-112.26
Purchase / Sale of Intangibles	-0.01	-0.15	-0	-0.01	-0.11
Net Decrease (Increase) in Loans Originated / Sold - Investing	-92.5	-42.27	-74.24	-78.45	58.37
Other Investing Activities	-2.13	-1.99	1.9	1.18	-2
Investing Cash Flow	-76.89	-8.08	-39.13	-183.46	-57.99
Short-Term Debt Issued	5.83	-	3.29	-	-
Total Debt Issued	5.83	-	3.29	-	-
Short-Term Debt Repaid	-	-10.16	-	-3.98	-0.69
Long-Term Debt Repaid	-0.35	-0.49	-0.71	-0.95	-1.26
Total Debt Repaid	-0.35	-10.65	-0.71	-4.93	-1.94
Net Debt Issued (Repaid)	5.49	-10.65	2.59	-4.93	-1.94
Repurchase of Common Stock	-1	-0.76	-1.43	-0.39	-0.94
Common Dividends Paid	-4.32	-4.2	-4.01	-3.53	-3.33
Net Increase (Decrease) in Deposit Accounts	83.03	17.46	4.01	20.67	111.19
Financing Cash Flow	83.19	1.85	1.16	11.83	104.97
Net Cash Flow	25.8	9.43	-22.34	-157.24	62.01
Free Cash Flow	19.08	13.71	15.2	14.03	13.03
Free Cash Flow Growth	39.25%	-9.84%	8.38%	7.65%	6.94%
Free Cash Flow Margin	43.08%	37.12%	35.82%	35.13%	36.70%
Free Cash Flow Per Share	7.24	5.15	5.67	5.17	4.77
Cash Interest Paid	14.68	14.65	9.62	2.44	2.05
Cash Income Tax Paid	3.45	2.78	4.17	2.71	2.43

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