BUSEP: the cash flow

Cash Flow Overview

Change in Cash

-$312,185K

Free Cash flow

$107,201K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

74,512

Provision for credit losses

50,308

Amortization of intangible assets

12,182

Amortization of mortgage servicing rights

486

Depreciation and amortization of premises and equipment

9,505

Net amortization (accretion) on portfolio loans

12,046

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

-1,405

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

1,715

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

1,470

Impairment of oreo and other repossessed assets

270

Impairment of fixed assets held for sale

188

Impairment of mortgage servicing rights

Impairment of leases

Unrealized (gains) losses recognized on equity securities, net

5,490

(gain) loss on sales of debt securities, net

-15,549

(gain) loss on sales of mortgage servicing rights

(gain) loss on sales of loans, net

1,140

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

-96

(gain) loss on sales of premises and equipment

-27

(gain) loss on life insurance proceeds

357

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

4,457

Provision for deferred income taxes

-3,132

Stock-based compensation

13,125

Proceeds from the sale of mortgage servicing rights

Mortgage loans originated for sale

77,210

Proceeds from sales of mortgage loans

73,098

(increase) decrease in other assets

1,337

Increase (decrease) in other liabilities

-31,284

Net cash provided by (used in) operating activities

120,380

Purchases of equity securities

919

Purchases of debt securities available for sale

385,411

Proceeds from sales of equity securities

6,444

Proceeds from sales of debt securities available for sale

529,760

Proceeds from paydowns and maturities of debt securities held to maturity

43,409

Proceeds from paydowns and maturities of debt securities available for sale

354,041

Purchases of restricted bank stock

35,278

Proceeds from the redemption of restricted bank stock

11,905

Net (increase) decrease in loans

-161,275

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

13,179

Proceeds from disposition of premises and equipment

710

Capitalized expenditures on foreclosed real estate

316

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

16,576

Net cash provided by (used in) investing activities

1,079,109

Net increase (decrease) in deposits

-1,482,312

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

-8,458

Repayment of short-term borrowings

-11,158

Proceeds from other borrowings, net of debt issuance costs

16,667

Repayment of other borrowings

125,129

Cash dividends paid

64,259

Purchase of treasury stock

40,038

Cash paid for withholding taxes on stock-based payments

4,549

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

-452

Issuance of treasury stock for the espp

1,487

Issuance of preferred stock, net of stock issuance costs

207,447

Common stock issuance costs

920

Net cash provided by (used in) financing activities

-1,511,674

Net increase (decrease) in cash and cash equivalents

-312,185

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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