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Beacon Financial Corp (BBT)

Beacon Financial Corp (BBT)

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Cash Flow Overview

Change in Cash
$103,155K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from fhlb advances
    • Proceeds from sales of loans and...
    • (decrease) increase in demand ch...
    • Others
Negative Cash Flow Breakdown
    • Repayment of fhlb advances
    • Purchases of investment securiti...
    • Net decrease in loans and leases
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
64,426
46,217
99,385
-9,114
Total provision (credit) for loan and lease losses
8,092
5,089
10,381
23,234
Merger day 1 cecl provision
-
-
-
69,487
Merger day 1 unfunded commitments provision
-
-
-
8,415
Provision (credit) for unfunded commitments
-
-
-
-669
Investment securities available-for-sale-Unfunded Loan Commitment
-3,085
2,810
19
7,746
Investment securities available-for-sale-Availableforsale Securities
-
47
-35
47
Investment securities available-for-sale-Securities Investment
-38
-
-
-
Provision for credit losses
4,922
7,946
-59,122
100,514
Proceeds from sales of loans and leases held-for-sale, net
-
-
83,330
-
Deferred income tax expense (benefit)
5,502
10,610
27,466
-5,118
Depreciation of premises and equipment
3,273
3,312
3,424
6,129
Accretion of investment securities premiums and discounts, net
4,485
3,996
-
1,303
Accretion of investment securities deferred, net
-
-
9,953
-
Accretion of premiums and discounts and deferred loan and lease origination costs, net
-
-
-
12,878
Accretionof premiums and discounts anddeferredloanandleaseoriginationcosts,net
-
-
20,885
-
Accretion of premiums and discounts and deferred loan and lease origination costs, net
8,164
9,372
-
-
Amortization of identified intangible assets
8,328
8,328
8,777
6,448
Amortization of debt issuance costs
8
1
24
76
Amortization (accretion) of other acquisition fair value adjustments, net
-
-
1,749
-
Gain on sales of investment securities, net
-
-
0
-
Gain on sales of loans and leases
-
-
5,617
-
Amortization of other acquisition fair value adjustments, net
-3,996
-5,392
-
3,735
Loss on sales of oreo andother repossessedassets
-
-
-153
-
Gain on sales of loans and leases held-for-sale
3,869
1,226
-
1,463
Write-downofother repossessedassets
158
0
-32
444
Compensation under recognition and retention plans
1,138
946
678
5,241
Cash surrender value of bank-owned life insurance
1,458
-2,539
-1,601
-1,414
Impairment of bankri trade name
-
-
-1,089
-
Other assets
-3,751
4,881
-22,780
-62,463
Accrued expenses and other liabilities
-16,313
-68,086
-90
-89,282
Net cash provided from operating activities
64,129
-13,849
167,436
57,008
Proceeds from sales of investment securities available-for-sale
-
-
0
176,312
Proceeds from maturities, calls, and principal repayments of investment securities available-for-sale
108,549
89,225
91,039
98,925
Purchases of investment securities available-for-sale
151,286
129,139
21,389
11,737
Proceeds from redemption/sales of restricted equity securities
17,204
20,528
14,521
69,122
Purchase of restricted equity securities
10,423
30,531
2,527
57,961
Proceeds from sales of loans and leases ,net
143,719
37,800
0
300,822
Net decrease in loans and leases
44,099
218,971
-
-285,025
Net decrease (increase) in loans and leases
-
-
-570,003
-
Net cash and cash equivalents acquired in acquisition
-
-
0
-1,084,095
Purchase of premises and equipment, net
3,526
2,249
7,839
4,449
Proceeds from sales of other repossessed assets
31
20
865
608
Net cash provided from investing activities
60,169
51,708
359,648
1,940,762
Increase (decrease) in demand checking, now, savings and money market accounts
-
-
1,061,533
-
(decrease) increase in demand checking, now, savings and money market accounts
112,064
-871,401
-
-10,350
(decrease) increase in certificates of deposit and brokered certificates of deposit
-
-
-733,392
-
Decrease in certificates of deposit and brokered deposits
81,087
-70,693
-
-270,820
Proceeds from fhlb advances
521,694
1,151,346
266,750
791,000
Repayment of fhlb advances
710,556
885,127
552,128
1,748,587
Increase in other borrowed funds, net
1,599
17,423
-7,189
-39,280
Decrease in mortgagors' escrow accounts, net
0
0
4,329
-4,696
Payment of dividends on common stock
27,031
27,034
27,032
36,087
Payment of income taxes for shares withheld in share based activity
-
-
0
2,000
Net cash used for financing activities
-21,143
-966,656
294,041
-1,320,820
Net decrease in cash and cash equivalents
103,155
-928,797
821,125
676,950
Cash and cash equivalents at beginning of period
1,112,948
2,041,745
1,220,620
543,670
Cash and cash equivalents at end of period
1,216,103
1,112,948
2,041,745
1,220,620
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

Total provision(credit) for loan and...$8,092K Net income$64,426K Proceeds from sales ofloans and leases ,net$143,719K Amortization of identifiedintangible assets$8,328K Deferred income taxexpense (benefit)$5,502K Provision for creditlosses$4,922K Amortization of otheracquisition fair value...-$3,996K Other assets-$3,751K Depreciation of premises andequipment$3,273K Cash surrender valueof bank-owned life...$1,458K Compensation underrecognition and retention...$1,138K Write-downofotherrepossessedassets$158K Amortization of debt issuancecosts$8K Proceeds frommaturities, calls, and...$108,549K Proceeds fromredemption/sales of restricted...$17,204K Proceeds from sales ofother repossessed...$31K Canceled cashflow$3,123K Net cash providedfrom operating...$64,129K Net cash providedfrom investing...$60,169K Canceled cashflow$32,831K Canceled cashflow$209,334K Investment securitiesavailable-for-sale-Unfunded Loan Commitment-$3,085K Investment securitiesavailable-for-sale-Securities Investment-$38K Net decrease in cashand cash...$103,155K Canceled cashflow$21,143K Accrued expenses andother liabilities-$16,313K Accretion of premiums anddiscounts and deferred...$8,164K Accretion of investmentsecurities premiums and...$4,485K Gain on sales of loansand leases...$3,869K Purchases of investmentsecurities...$151,286K Net decrease inloans and leases$44,099K Purchase of restrictedequity securities$10,423K Purchase of premises andequipment, net$3,526K Proceeds from fhlbadvances$521,694K (decrease) increase indemand checking, now,...$112,064K Decrease in certificatesof deposit and...$81,087K Increase in otherborrowed funds, net$1,599K Net cash used forfinancing activities-$21,143K Canceled cashflow$716,444K Repayment of fhlb advances$710,556K Payment of dividends oncommon stock$27,031K