Citizens 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	2.49	3.37	6.15	9.1	10.32
Depreciation & Amortization	0.66	0.62	0.52	0.52	0.59
Gain (Loss) on Sale of Assets	-	-	-	-0.12	0.02
Gain (Loss) on Sale of Investments	3.17	3.66	4.07	5.25	4.67
Provision for Credit Losses	0.31	0.48	0.01	-2.53	-4.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	0	1.47
Accrued Interest Receivable	0.12	0.45	-0.53	-0.07	-0.15
Other Operating Activities	1.01	-5.71	2.98	1.41	0.6
Operating Cash Flow	7.75	2.86	13.2	13.56	12.55
Operating Cash Flow Growth	170.81%	-78.32%	-2.68%	8.10%	8.81%
Capital Expenditures	-0.36	-0.71	-1.44	-0.49	-0.46
Investment in Securities	4.54	65.02	78.04	22.87	-254.69
Net Decrease (Increase) in Loans Originated / Sold - Investing	11.59	30.2	-27.7	-17.39	79.47
Other Investing Activities	-0.13	0.02	0.65	-0.1	-0.23
Investing Cash Flow	15.64	94.54	49.56	5.74	-175.91
Long-Term Debt Issued	11.23	100	201.14	0.35	1.37
Long-Term Debt Repaid	-	-264.19	-50.94	-15.8	-
Net Debt Issued (Repaid)	11.23	-164.19	150.2	-15.45	1.37
Repurchase of Common Stock	-	-0.38	-1.18	-	-0.27
Preferred Share Repurchases	-	-	-	-	-0.17
Common Dividends Paid	-1.56	-1.42	-2.14	-2.72	-1.42
Total Dividends Paid	-1.56	-1.42	-2.14	-2.72	-1.42
Net Increase (Decrease) in Deposit Accounts	-1.42	-45.33	-203.2	39.28	83.1
Financing Cash Flow	8.25	-211.32	-56.33	21.11	82.61
Net Cash Flow	31.64	-113.92	6.44	40.42	-80.75
Free Cash Flow	7.39	2.15	11.76	13.07	12.09
Free Cash Flow Growth	243.29%	-81.70%	-10.01%	8.17%	9.25%
Free Cash Flow Margin	25.41%	7.17%	35.67%	37.28%	35.13%
Free Cash Flow Per Share	1.31	0.38	2.09	2.31	2.15
Cash Interest Paid	4.06	13.39	2.2	0.47	0.46
Cash Income Tax Paid	0.21	0.39	1.2	1.78	1.94