BUSE: the cash flow

Cash Flow Overview

Change in Cash

-$366,878K

Free Cash flow

$54,480K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net income

57,098

17,414

Provision for credit losses

-985

51,293

Amortization of intangible assets

4,507

7,675

Amortization of mortgage servicing rights

159

327

Depreciation and amortization of premises and equipment

3,423

6,082

Net amortization (accretion) on portfolio loans

4,721

7,325

Net amortization (accretion) of premium (discount) on investment securities

-1,451

Net amortization (accretion) of premium (discount) on time deposits

135

1,580

Net amortization (accretion) of premium (discount) on fhlb advances and other borrowings

470

1,000

Impairment of oreo and other repossessed assets

270

Impairment of fixed assets held for sale

188

Impairment of mortgage servicing rights

-2

Impairment of leases

Unrealized (gains) losses recognized on equity securities, net

-275

5,765

(gain) loss on sales of debt securities, net

-13

-15,536

(gain) loss on sales of mortgage servicing rights

(gain) loss on sales of loans, net

485

655

(gain) loss on sales of oreo and other repossessed assets

-11

-85

(gain) loss on sales of premises and equipment

-49

(gain) loss on life insurance proceeds

357

(increase) decrease in cash surrender value of bank owned life insurance

1,623

2,834

Provision for deferred income taxes

-915

-2,217

Stock-based compensation

4,298

8,827

Proceeds from the sale of mortgage servicing rights

Mortgage loans originated for sale

31,474

45,736

Proceeds from sales of mortgage loans

33,459

39,639

(increase) decrease in other assets

-2,417

3,754

Increase (decrease) in other liabilities

-5,133

-26,151

Net cash provided by (used in) operating activities

62,486

57,894

Purchases of equity securities

869

Purchases of debt securities available for sale

8,859

376,552

Proceeds from sales of equity securities

6,430

Proceeds from sales of debt securities available for sale

820

528,940

Proceeds from paydowns and maturities of debt securities held to maturity

18,690

24,719

Proceeds from paydowns and maturities of debt securities available for sale

151,428

202,613

Purchases of restricted bank stock

35,265

Proceeds from the redemption of restricted bank stock

119

11,786

Net (increase) decrease in loans

-200,889

39,614

Net cash received in (paid for) acquisitions (see note 2)

-385,804

Cash paid for premiums on bank-owned life insurance

Proceeds from life insurance

4,334

Purchases of premises and equipment

8,006

5,173

Proceeds from disposition of premises and equipment

708

Capitalized expenditures on foreclosed real estate

316

Proceeds from sales of oreo and other repossessed assets, including cash payments collected

965

15,611

Net cash provided by (used in) investing activities

356,705

722,404

Net increase (decrease) in deposits

-731,475

-750,837

Proceeds from the exercise of stock options, warrants, and ssars

-364

Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase

-10,878

2,420

Repayment of short-term borrowings

-11,158

Proceeds from other borrowings, net of debt issuance costs

16,667

Repayment of other borrowings

125,030

Cash dividends paid

27,438

36,821

Purchase of treasury stock

13,547

26,491

Cash paid for withholding taxes on stock-based payments

3,002

1,547

Cash paid for the exercise of stock options, warrants, and ssars

-452

Issuance of treasury stock for the espp

458

1,029

Issuance of preferred stock, net of stock issuance costs

207,447

Common stock issuance costs

920

Net cash provided by (used in) financing activities

-786,069

-725,605

Net increase (decrease) in cash and cash equivalents

-366,878

54,693

Cash and cash equivalents at beginning of period

697,659

Cash and cash equivalents at end of period

385,474

Time Plot

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