CUBI-PF: the cash flow

Cash Flow Overview

Change in Cash

$399,708K

Free Cash flow

$361,939K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income from continuing operations

149,596

Provision for credit losses

75,621

Depreciation and amortization

29,179

Share-based compensation expense

13,063

Deferred taxes

-12,703

Net amortization (accretion) of investment securities premiums and discounts

2,958

Unrealized (gain) loss on investment securities

307

Impairment loss on debt securities

-51,319

Impairment loss on equity securities

2,278

Net (gain) loss on sale of investment securities

-1,611

Unrealized gain on equity method investments

Unrealized (gain) loss on derivatives

1,884

(gain) loss on sale of leased assets under lessor operating leases

1,857

Fair value adjustment on loans held for sale

-486

Fair value adjustment on loans held for investment

2,278

Net (gain) loss on sale of loans and leases

Origination and purchases of loans held for sale

606,180

Proceeds from the sales and repayments of loans held for sale

672,239

Amortization (accretion) of loan net deferred fees, discounts and premiums

-27,962

Earnings on investment in bank-owned life insurance

9,074

(increase) decrease in accrued interest receivable and other assets

-6,528

Increase (decrease) in accrued interest payable and other liabilities

36,474

Net cash provided by (used in) operating activities

373,189

Proceeds from maturities, calls and principal repayments of investment securities available for sale

246,168

Proceeds from maturities, calls and principal repayments of investment securities held to maturity

218,611

Proceeds from sales of investment securities available for sale

551,337

Purchases of investment securities available for sale

802,476

Purchases of investment securities held to maturity

24,005

Purchases of equity method investments

Origination of mortgage finance loans

19,265,031

Proceeds from repayments of mortgage finance loans

19,120,445

Net (increase) decrease in loans and leases, excluding mortgage finance loans

1,264,353

Proceeds from sales of loans and leases

1,081

Purchases of loans

334,886

Purchases of bank-owned life insurance

1,462

Proceeds from bank-owned life insurance

5,634

Net purchases from sale of fhlb, federal reserve bank, and other restricted stock

7,076

Purchases of bank premises and equipment

11,250

Proceeds from sale of other real estate owned

118

Proceeds from sales of leased assets under lessor operating leases

11,091

Purchases of leased assets under lessor operating leases

88,809

Net cash provided by (used in) investing activities

-1,644,863

Net increase (decrease) in deposits

1,530,025

Net increase (decrease) in short-term borrowed funds from fhlb

-50,000

Proceeds from long-term borrowed funds from fhlb and frb

310,000

Repayments of long-term borrowed funds from fhlb and frb

200,000

Repayments of other long-term borrowings

Redemption of preferred stock

57,501

Preferred stock dividends paid

8,855

Purchase of treasury stock

5,641

Payments of employee taxes withheld from share-based awards

12,534

Proceeds from issuance of common stock

165,888

Net cash provided by (used in) financing activities

1,671,382

Net increase (decrease) in cash and cash equivalents

399,708

Cash and cash equivalents at beginning of period

3,785,931

Cash and cash equivalents at end of period

4,185,639

Time Plot

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Cash Flow Overview

Change in Cash

$399,708K

Free Cash flow

$361,939K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income from continuing operations

149,596

Provision for credit losses

75,621

Depreciation and amortization

29,179

Share-based compensation expense

13,063

Deferred taxes

-12,703

Net amortization (accretion) of investment securities premiums and discounts

2,958

Unrealized (gain) loss on investment securities

307

Impairment loss on debt securities

-51,319

Impairment loss on equity securities

2,278

Net (gain) loss on sale of investment securities

-1,611

Unrealized gain on equity method investments

Unrealized (gain) loss on derivatives

1,884

(gain) loss on sale of leased assets under lessor operating leases

1,857

Fair value adjustment on loans held for sale

-486

Fair value adjustment on loans held for investment

2,278

Net (gain) loss on sale of loans and leases

Origination and purchases of loans held for sale

606,180

Proceeds from the sales and repayments of loans held for sale

672,239

Amortization (accretion) of loan net deferred fees, discounts and premiums

-27,962

Earnings on investment in bank-owned life insurance

9,074

(increase) decrease in accrued interest receivable and other assets

-6,528

Increase (decrease) in accrued interest payable and other liabilities

36,474

Net cash provided by (used in) operating activities

373,189

Proceeds from maturities, calls and principal repayments of investment securities available for sale

246,168

Proceeds from maturities, calls and principal repayments of investment securities held to maturity

218,611

Proceeds from sales of investment securities available for sale

551,337

Purchases of investment securities available for sale

802,476

Purchases of investment securities held to maturity

24,005

Purchases of equity method investments

Origination of mortgage finance loans

19,265,031

Proceeds from repayments of mortgage finance loans

19,120,445

Net (increase) decrease in loans and leases, excluding mortgage finance loans

1,264,353

Proceeds from sales of loans and leases

1,081

Purchases of loans

334,886

Purchases of bank-owned life insurance

1,462

Proceeds from bank-owned life insurance

5,634

Net purchases from sale of fhlb, federal reserve bank, and other restricted stock

7,076

Purchases of bank premises and equipment

11,250

Proceeds from sale of other real estate owned

118

Proceeds from sales of leased assets under lessor operating leases

11,091

Purchases of leased assets under lessor operating leases

88,809

Net cash provided by (used in) investing activities

-1,644,863

Net increase (decrease) in deposits

1,530,025

Net increase (decrease) in short-term borrowed funds from fhlb

-50,000

Proceeds from long-term borrowed funds from fhlb and frb

310,000

Repayments of long-term borrowed funds from fhlb and frb

200,000

Repayments of other long-term borrowings

Redemption of preferred stock

57,501

Preferred stock dividends paid

8,855

Purchase of treasury stock

5,641

Payments of employee taxes withheld from share-based awards

12,534

Proceeds from issuance of common stock

165,888

Net cash provided by (used in) financing activities

1,671,382

Net increase (decrease) in cash and cash equivalents

399,708

Cash and cash equivalents at beginning of period

3,785,931

Cash and cash equivalents at end of period

4,185,639

Time Plot

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