CSBB: the cash flow

MyFinsight

For the year ending 2025-12-31, CSBB had $25,801K increase in cash & cash equivalents over the period. $19,084K in free cash flow.

Cash Flow	2025-12-31
Net income	13,363
Depreciation and amortization of premises, equipment and software	941
Deferred income tax expense	909
Provision for credit loss expense - loans	5,303
Gain on sale of loans, net	285
Security amortization, net of accretion	-527
Secondary market loan sale proceeds	9,103
Originations of secondary market loans held-for-sale	8,836
Earnings on bank-owned life insurance	943
Net deferred loan fees	69
Accrued interest receivable	275
Accrued interest payable	-27
Other assets and liabilities	215
Net cash provided by operating activities	19,496
Proceeds from repayments, available-for-sale	49,557
Proceeds from repayments, held-to-maturity	21,042
Purchases, available-for-sale	52,439
Purchase of restricted stock	286
Redemption of restricted stock	161
Loan (originations) and payments, net	92,496
Purchases of premises and equipment	412
Purchases of software	14
Purchase of bank-owned life insurance	2,000
Net cash used in investing activities	-76,887
Net change in deposits	83,028
Net change in short-term borrowings	5,834
Repayment of other borrowings	349
Cash dividends paid	4,322
Purchase of treasury stock	999
Net cash provided by financing activities	83,192
Net increase in cash and cash equivalents	25,801
Cash and cash equivalents at beginning of year	73,509
Cash and cash equivalents at end of year	99,310

Unit: Thousand (K) dollars (except for numbers of shares and EPS).