CoastalSouth Bancshares 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	24.89	21.9	24.48	18.19	12.32
Depreciation & Amortization	2.72	2.55	2.76	2.38	1.89
Other Amortization	0.41	0.15	0.11	0.11	0.08
Gain (Loss) on Sale of Assets	0.17	-	-0.06	-0.39	-0.03
Gain (Loss) on Sale of Investments	-0.87	2.93	1.08	1.17	0.67
Total Asset Writedown	-	-	-	0.18	0.39
Provision for Credit Losses	3.2	0.55	1.54	5.08	1.33
Net Decrease (Increase) in Loans Originated / Sold - Operating	34.18	-40.93	11.27	58.06	63.03
Change in Other Net Operating Assets	0.46	0.94	0.69	2.51	-1.71
Other Operating Activities	-1.39	-0.03	-4.01	-2.81	-5.35
Operating Cash Flow	63.13	-12.67	37.14	83.54	70.88
Operating Cash Flow Growth	-	-	-55.54%	17.86%	-
Capital Expenditures	-1.83	-1.41	-0.31	-2.16	-2.19
Cash Acquisitions	-	-	-	-	80.91
Investment in Securities	15.07	23.05	16.81	-122.55	-160.01
Net Decrease (Increase) in Loans Originated / Sold - Investing	-238.16	-38.94	-170.65	-379.22	-135.69
Other Investing Activities	-	-	-22.5	-	-9.61
Investing Cash Flow	-224.1	-17.31	-176.35	-502.9	-226.3
Short-Term Debt Issued	-	-	6	8	10
Long-Term Debt Issued	15	-	-	88.04	-
Total Debt Issued	15	-	6	96.04	10
Short-Term Debt Repaid	-12	-12	-	-	-
Long-Term Debt Repaid	-15	-35	-58.04	-	-111.5
Total Debt Repaid	-27	-47	-58.04	-	-111.5
Net Debt Issued (Repaid)	-12	-47	-52.04	96.04	-101.5
Issuance of Common Stock	31.96	12.24	8.84	3.39	-
Repurchase of Common Stock	-0.07	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	152.88	84.15	202.01	124.53	324.28
Financing Cash Flow	172.77	49.39	158.8	223.97	222.78
Net Cash Flow	11.81	19.41	19.59	-195.4	67.36
Free Cash Flow	61.3	-14.08	36.83	81.38	68.69
Free Cash Flow Growth	-	-	-54.74%	18.47%	-
Free Cash Flow Margin	77.82%	-20.33%	51.62%	137.76%	138.86%
Free Cash Flow Per Share	5.32	-1.34	3.88	9.19	8.25
Cash Interest Paid	51.47	60.6	36.33	8.05	5.5
Cash Income Tax Paid	1.84	-0.88	5.29	3.41	4.42

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