CSB Bancorp : 2022 Annual Shareholder Meeting - Management Presentation

Certain statements contained in Management's Discussion and Analysis of Financial Condition and Results of Operations are not related to historical results but are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

These statements involve a number of risks and uncertainties. Any forward-looking statements made by the Company herein and in future reports and statements are not guarantees of future performance, and actual results may differ materially from those in forward-looking statements because of various risk factors as discussed in this annual report and the Company's Annual Report on Form 10-K.

The Company does not undertake, and specifically disclaims, any obligation to publicly release the result of any revisions to any forward-looking statements to reflect the occurrence of unanticipated events or circumstances after the date of such statements.

Our Mission

as an independent community bank is to provide high quality financial services through valued employees, thereby meeting the needs of our customers and the diverse communities we serve, generating profit and increasing value for our shareholders.

ENDURING GREAT COMPANIES PRESERVE THEIR

CORE VALUES & PURPOSE

WHILE CONTINUOUSLY ADAPTING BUSINESS STRATEGIES AND OPERATING PRACTICES

TO A CHANGING WORLD

PROFIT RESPONSIBILITY

As a for-profit institution, we are always mindful of our duty to the shareholders of the Company. Without profit, we cannot sustain our existence as an independent community bank, or employer.

2021 FINANCIAL HIGHLIGHTS

Total Assets	exceeded $1.1 Billion	15th consecutive record
Deposit Balances	exceeded $1 Billion	13th consecutive record
Total Equity	exceeded $97 million	14th consecutive record
Net Income	exceeded $10 million	10th consecutive record
Earnings Per Share	$3.97	12th consecutive increase
Return on Equity	11.27%	8th consecutive ROE > 10%