CBSH: the cash flow

Cash Flow Overview

Change in Cash

-$192,114K

Free Cash flow

$113,276K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net income

143,622

284,396

Provision for credit losses

20,061

20,084

Provision for depreciation and amortization

14,054

27,702

Amortization (accretion) of investment security premiums (discounts), net

3,720

9,393

Investment securities (gains) losses, net

7,885

-7,154

Net (gains) losses on sales of loans held for sale

1,029

1,053

Originations of loans held for sale

38,634

51,798

Proceeds from sales of loans held for sale

40,375

52,203

Net (increase) decrease in trading debt securities, excluding unsettled transactions

24,565

2,023

Stock-based compensation

4,393

8,465

(increase) decrease in interest receivable

5,006

-117

Increase (decrease) in interest payable

-391

6,540

Increase (decrease) in income taxes payable

1,634

-23,039

Other changes, net

13,889

69,559

Net cash provided by (used in) operating activities

129,020

249,796

Proceeds from sales of investment securities

534

46,094

Proceeds from maturities/pay downs of investment securities

458,968

958,189

Purchases of investment securities

460,886

540,370

Net (increase) decrease in loans

132,419

466,478

Securities purchased under agreements to resell

350,000

Repayments of securities purchased under agreements to resell

125,000

Purchases of premises and equipment

15,744

23,267

Sales of premises and equipment

100

Net cash provided by (used in) investing activities

-149,547

-250,732

Net increase (decrease) in non-interest bearing, savings, interest checking and money market deposits

-23,877

246,122

Net increase (decrease) in certificates of deposit

43,685

-15,484

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

-123,396

-330,297

Net increase (decrease) in other borrowings

-5,779

14,993

Purchases of treasury stock

25,223

67,047

Payments of dividends

36,997

77,004

Proceeds from (payment for) other financing activity

-4

Net cash provided by (used in) financing activities

-171,587

-228,721

Increase (decrease) in cash, cash equivalents and restricted cash

-192,114

-229,657

Cash and cash equivalents at beginning of period

3,375,992

Cash and cash equivalents at end of period

2,954,221

Time Plot

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