CoastalSouth Bancshares 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	21.9	24.48	18.19	12.32
Depreciation & Amortization	2.55	2.76	2.38	1.89
Other Amortization	0.15	0.11	0.11	0.08
Gain (Loss) on Sale of Assets	-	-0.06	-0.39	-0.03
Gain (Loss) on Sale of Investments	2.93	1.08	1.17	0.67
Total Asset Writedown	-	-	0.18	0.39
Provision for Credit Losses	0.55	1.54	5.08	1.33
Net Decrease (Increase) in Loans Originated / Sold - Operating	-40.93	11.27	58.06	63.03
Change in Other Net Operating Assets	0.94	0.69	2.51	-1.71
Other Operating Activities	-0.03	-4.01	-2.81	-5.35
Operating Cash Flow	-12.67	37.14	83.54	70.88
Operating Cash Flow Growth	-	-55.54%	17.86%	-
Capital Expenditures	-1.41	-0.31	-2.16	-2.19
Cash Acquisitions	-	-	-	80.91
Investment in Securities	23.05	16.81	-122.55	-160.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-38.94	-170.65	-379.22	-135.69
Other Investing Activities	-	-22.5	-	-9.61
Investing Cash Flow	-17.31	-176.35	-502.9	-226.3
Short-Term Debt Issued	-	6	8	10
Long-Term Debt Issued	-	-	88.04	-
Total Debt Issued	-	6	96.04	10
Short-Term Debt Repaid	-12	-	-	-
Long-Term Debt Repaid	-35	-58.04	-	-111.5
Total Debt Repaid	-47	-58.04	-	-111.5
Net Debt Issued (Repaid)	-47	-52.04	96.04	-101.5
Issuance of Common Stock	12.24	8.84	3.39	-
Net Increase (Decrease) in Deposit Accounts	84.15	202.01	124.53	324.28
Financing Cash Flow	49.39	158.8	223.97	222.78
Net Cash Flow	19.41	19.59	-195.4	67.36
Free Cash Flow	-14.08	36.83	81.38	68.69
Free Cash Flow Growth	-	-54.74%	18.47%	-
Free Cash Flow Margin	-20.33%	51.62%	137.76%	138.86%
Free Cash Flow Per Share	-1.34	3.88	9.19	8.25
Cash Interest Paid	60.6	36.33	8.05	5.5
Cash Income Tax Paid	-0.88	5.29	3.41	4.42

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