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Cash Flow Overview

Change in Cash
-$132,186K
Free Cash flow
$70,810K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from other borrowings
    • Proceeds from sales of mortgage ...
    • Proceeds from maturities and pay...
    • Others
Negative Cash Flow Breakdown
    • Repayment of other borrowings
    • Originations of mortgage loans h...
    • Net increase in loans
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
51,446
110,492
108,356
106,029
Depreciation, amortization and accretion, net
5,180
6,004
6,310
6,869
Net gains on sale or disposal of premises and equipment
24
0
-72
-68
Net write-downs on premises and equipment
-
-
0
-
Provision for credit losses
17,253
16,551
22,950
22,630
Net write-downs and (gains) losses on sale of other real estate owned
-73
125
-52
-165
Share-based compensation expense
4,705
3,104
3,005
3,231
Amortization of operating lease right of use assets
2,255
2,241
2,006
2,171
Provision for deferred taxes
-23,734
4,671
-1,648
-5,824
Net gain on securities
7,392
0
12
1,581
Loan servicing asset impairment
-
-
910
-
Originations of mortgage loans held for sale
994,220
1,025,977
1,167,748
1,026,400
Payments received on mortgage loans held for sale
6,375
9,095
7,981
9,184
Proceeds from sales of mortgage loans held for sale
972,882
1,155,458
1,144,466
986,293
Net gains on mortgage loans held for sale
2,269
11,503
16,998
17,031
Originations of sba loans held for sale
0
10,331
-7
5,856
Proceeds from sales of sba loans held for sale
1,919
9,238
4,721
1,545
Net gains on sale of sba loans held for sale
-2
828
-9
426
Increase in cash surrender value of bank owned life insurance
3,789
3,581
3,729
3,405
Gain on bank owned life insurance proceeds
846
0
220
389
Gain on sale of mortgage servicing rights
0
0
193
125
Loss (gain) on debt redemption
-
-
-1,009
572
Increasein interest receivable
-
-
4,849
-
Increase (decrease) in interest payable
-
-
-4,333
-
Increase (decrease) in taxes payable
-
-
-20,233
-
Change attributable to other operating activities
49,604
-7,360
23,828
28,344
Net cash provided by operating activities
79,420
257,149
107,039
104,920
Purchases of debt securities available-for-sale
328,679
194,332
203,831
336,349
Purchases of debt securities held-to-maturity
9,721
1,994
3,041
27,134
Proceeds from maturities and paydowns of debt securities available-for-sale
116,867
37,778
114,845
70,597
Proceeds from sales of debt securities available-for-sale
86,167
-
0
45,039
Proceeds from maturities and paydowns of debt securities held-to-maturity
4,195
2,742
2,458
1,090
Net increase in other investments
15,301
15,675
15,235
-283
Net increase in loans
337,827
331,991
266,224
242,338
Proceeds from sale of mortgage servicing rights
-
-
0
23,728
Purchases of premises and equipment
8,610
7,740
5,804
4,398
Proceeds from sale of premises and equipment
39
0
0
22
Proceeds from sales of other real estate owned
402
1,356
636
3,274
Purchase of bank owned life insurance
-
-
0
0
Proceeds from bank owned life insurance
1,010
0
1,542
-1
Net cash used in investing activities
-491,458
-509,856
-374,654
-466,187
Net increase in deposits
-49,167
260,745
147,917
295,403
Proceeds from other borrowings
3,580,000
3,390,000
3,018,000
2,530,000
Repayment of other borrowings
3,217,921
3,060,060
2,798,059
2,569,060
Proceeds from exercise of stock options
-
-
0
-
Dividends paid - common stock
13,408
14,039
13,672
13,698
Purchase of treasury shares
19,652
83,560
40,815
8,484
Net cash provided by financing activities
279,852
493,086
313,371
234,161
Net increase (decrease) in cash and cash equivalents
-132,186
240,379
45,756
-127,106
Cash and cash equivalents at beginning of period
1,329,299
1,088,920
1,043,164
1,220,377
Cash and cash equivalents at end of period
1,197,113
1,329,299
1,088,920
1,043,164
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from otherborrowings$3,580,000K (36.90%↑ Y/Y)Proceeds from sales ofmortgage loans held for...$972,882K (-53.03%↓ Y/Y)Net income$51,446K (-73.99%↓ Y/Y)Change attributable toother operating...$49,604K (224.08%↑ Y/Y)Provision for creditlosses$17,253K (-30.05%↓ Y/Y)Payments received onmortgage loans held for...$6,375K (-55.07%↓ Y/Y)Depreciation, amortizationand accretion, net$5,180K (-68.56%↓ Y/Y)Share-based compensationexpense$4,705K (-27.08%↓ Y/Y)Amortization of operatinglease right of use...$2,255K (-51.02%↓ Y/Y)Proceeds from sales of sbaloans held for sale$1,919K (-92.05%↓ Y/Y)Net write-downs and(gains) losses on sale of...-$73K (-258.70%↓ Y/Y)Net gains on sale ofsba loans held for...-$2K (-100.15%↓ Y/Y)Net cash provided byfinancing activities$279,852K (19.78%↑ Y/Y)Net cash provided byoperating activities$79,420K (-55.44%↓ Y/Y)Canceled cashflow$3,300,148K Canceled cashflow$1,032,274K Net increase(decrease) in cash and cash...-$132,186K (-163.81%↓ Y/Y)Canceled cashflow$359,272K Proceeds from maturitiesand paydowns of debt...$116,867K (-62.00%↓ Y/Y)Proceeds from sales ofdebt securities...$86,167K Proceeds from maturitiesand paydowns of debt...$4,195K (88.29%↑ Y/Y)Proceeds from bank ownedlife insurance$1,010K (-98.22%↓ Y/Y)Proceeds from sales ofother real estate...$402K (-88.67%↓ Y/Y)Proceeds from sale ofpremises and equipment$39K (-74.00%↓ Y/Y)Repayment of otherborrowings$3,217,921K (27.18%↑ Y/Y)Net increase indeposits-$49,167K (-123.39%↓ Y/Y)Purchase of treasuryshares$19,652K (-41.50%↓ Y/Y)Dividends paid - commonstock$13,408K (-51.91%↓ Y/Y)Originations of mortgageloans held for sale$994,220K (-52.37%↓ Y/Y)Provision for deferredtaxes-$23,734K (-670.83%↓ Y/Y)Net gain onsecurities$7,392K (18380.00%↑ Y/Y)Increase in cashsurrender value of bank...$3,789K (-44.18%↓ Y/Y)Net gains onmortgage loans held for...$2,269K (-88.16%↓ Y/Y)Gain on bank ownedlife insurance...$846K (6950.00%↑ Y/Y)Net gains on sale ordisposal of premises and...$24K (-80.17%↓ Y/Y)Net cash used ininvesting activities-$491,458K (-6.39%↓ Y/Y)Canceled cashflow$208,680K Net increase inloans$337,827K (2.87%↑ Y/Y)Purchases of debtsecurities...$328,679K (-30.84%↓ Y/Y)Net increase inother investments$15,301K (243.46%↑ Y/Y)Purchases of debtsecurities...$9,721K (-30.14%↓ Y/Y)Purchases of premises andequipment$8,610K (-16.71%↓ Y/Y)

Ameris Bancorp (ABCB)

Ameris Bancorp (ABCB)