Charter One Financial Inc.

NYSE-CF

Operating Activities	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Net Income	843	733	744	582	1,256	1,547
Net Earnings
Depreciation & Amortization	453	450	475	442	427	419
Depreciation and Amortization
Share-Based Compensation Expense	22	17	19	18	19	19
Stock-Based Compensation Expense
Other Adjustments	2	-68	-182	182	-189	-241
Deferred Income Taxes
Excess Tax Benefit from Stock-Based Compensation
Loss on Debt Extinguishment
Unrealized Net Gain on Natural Gas Derivatives
Impairment of Equity Method Investment in PLNL
Unrealized Gain on Embedded Derivative
Gain on Remeasurement of CF Fertilisers UK Investment
Gain on Sale of Equity Method Investment
U.K. Goodwill Impairment
U.K. Long-Lived and Intangible Asset Impairment
Pension Settlement Gain and Curtailment Gains
Gain on Sale of Emission Credits
Loss on Disposal of Property, Plant and Equipment
Loss on Sale of Ince Facility
Undistributed Earnings of Affiliate-Net of Taxes
Other-Net
Changes in Trade Receivables	-178	122	-45	-98	198	129
Accounts Receivable-Net
Changes in Inventories	-6	-22	-6	12	140	6
Inventories
Changes in Accounts Payable	4	70	-26	50	-138	-222
Accounts Payable and Accrued Expenses
Changes in Income Taxes Payable	95	-62	63	-210	166	-239
Accrued and Prepaid Income Taxes
Changes in Unearned Revenue	-86	111	-122	120	-220	157
Customer Advances
Changes in Other Operating Activities	—	—	—	—	—	—
Other-Net
Cash from Operating Activities	1,149	1,351	920	1,098	1,659	1,575
Net Cash Provided by Operating Activities

Investing Activities	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Capital Expenditure	-377	-336	-182	-335	-164	-324
Additions to Property, Plant and Equipment
Proceeds from Sale of Property, Plant & Equipment	10	4	—	—	1	—
Proceeds from Sale of Property, Plant and Equipment
Proceeds from Sale of Ince Facility
Purchases of Intangible Assets	-1	-1	-2	-2	—	—
Purchase of Emission Credits
Proceeds from Sale of Intangible Assets	—	—	47	3	36	3
Proceeds from Sale of Emission Credits
Purchases of Investments	—	-2	—	-1	—	—
Purchase of Investments Held in Nonqualified Employee Benefit Trust
Proceeds from Sale of Investments	—	1	1	1	—	—
Proceeds from Sale of Equity Method Investment
Proceeds from Sale of Auction Rate Securities
Proceeds from Sale of Investments Held in Nonqualified Employee Benefit Trust
Payments for Business Acquisitions	—	—	2	-1,223	—	—
Purchase of Waggaman Ammonia Production Facility
Purchase of CF Fertilisers UK, Net of Cash Acquired
Other Investing Activities	—	—	—	5	—	2
Distributions Received from Unconsolidated Affiliate
Withdrawals from Restricted Cash Funds
Insurance Proceeds for Property, Plant and Equipment
Other-Net
Cash from Investing Activities	-368	-335	-134	-1,552	-127	-319
Net Cash Provided by Investing Activities

Financing Activities	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Issuance of Short-Term Debt	—	—	—	—	—	—
Proceeds from Short-Term Borrowings
Repayments of Short-Term Debt	—	—	—	—	—	—
Repayments of Short-Term Borrowings
Issuance of Long-Term Debt	—	—	—	—	—	—
Proceeds from Long-Term Borrowings
Repayments of Long-Term Debt	—	—	—	-2	—	—
Payments of Long-Term Borrowings
Net Issuance / (Repayments) of Long-Term Debt	—	—	—	-2	—	—
Issuance of Common Shares	1	1	1	-1	1	5
Proceeds from Issuances of Common Stock Under Employee Stock Plans
Repurchases of Common Shares	-673	-868	-667	-375	-227	-770
Purchases of Treasury Stock
Cash Paid for Shares Withheld for Taxes
Net Issuance / (Repurchases) of Common Shares	-672	-867	-666	-376	-226	-765
Common Share Dividends Paid	-167	-176	-188	-153	-158	-159
Dividends Paid on Common Stock
Other Financing Activities	106	-164	-144	-204	-255	-372
Payment to CHS Related to Credit Provision
Financing Fees
Issuance of Noncontrolling Interest in CFN
Acquisition of Noncontrolling Interests in TNCLP
Contributions from Noncontrolling Interests
Distributions to Noncontrolling Interest
Excess Tax Benefit from Stock-Based Compensation
Cash from Financing Activities	-733	-1,207	-998	-733	-639	-1,296
Net Cash Provided by Financing Activities