For the year ending 2025-12-31, EBC had -$690,011K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) from continuing operations | 88,219 |
| Provision for allowance for loan losses | 26,200 |
| Depreciation and amortization | 46,942 |
| (accretion) amortization of deferred loan fees and premiums, net | -48,374 |
| Deferred income tax (benefit) expense | -13,550 |
| (accretion) amortization of investment security premiums and discounts, net | -7,268 |
| Right-of-use asset amortization | 16,584 |
| Share-based compensation | 16,906 |
| Increase in cash surrender value of bank-owned life insurance | 5,642 |
| Loss on sales of securities available for sale, net | -269,638 |
| Loss on right-of-use assets, net of gains from modifications | 3,592 |
| Employee stock ownership plan expense | 8,390 |
| Net gain on sale of other equity investments | 1,584 |
| Other | -253 |
| Proceeds from the sales of loans held for sale | 159,543 |
| Loans originated for sale, net of repayments | 141,306 |
| Prepaid pension (benefit) expense | 5,259 |
| Other assets | -69,684 |
| Other liabilities | -50,042 |
| Net cash provided by operating activities - continuing operations | 432,420 |
| Net cash used in operating activities - discontinued operations | 0 |
| Net cash provided by operating activities | 432,420 |
| Proceeds from sales of securities available for sale | 1,635,613 |
| Proceeds from maturities and principal paydowns of securities available for sale | 465,394 |
| Purchases of securities available for sale | 1,429,952 |
| Proceeds from maturities and principal paydowns of securities held to maturity | 25,781 |
| Purchases of securities held to maturity | 202,373 |
| Proceeds from sale of federal home loan bank stock | 42,885 |
| Purchases of federal home loan bank stock | 26,117 |
| Contributions to low income housing tax credit investments | -59,349 |
| Contributions to other equity investments | 1,698 |
| Distributions from other equity investments | 5,437 |
| Proceeds from sale of other equity investment | 1,944 |
| Net increase in outstanding loans | 802,374 |
| Net cash (paid) acquired in business combination | 1,412 |
| Purchased banking premises and equipment | 19,434 |
| Proceeds from sale of bank premises and equipment | 0 |
| Proceeds from life insurance policies | 1,634 |
| Net cash (used in) provided by investing activities - continuing operations | -364,021 |
| Net cash provided by investing activities - discontinued operations | 0 |
| Net cash (used in) provided by investing activities | -364,021 |
| Net increase (decrease) in demand, savings, interest checking, and money market investment deposit accounts | 10,353 |
| Net (decrease) increase in time deposits | -192,104 |
| Net decrease in borrowed funds | -369,344 |
| Payments for repurchases of common stock | 106,589 |
| Proceeds from the exercise of stock options | 5,113 |
| Stock issuance costs | 122 |
| Dividends declared and paid to common shareholders | 105,717 |
| Net cash used in financing activities - continuing operations | -758,410 |
| Net cash used in financing activities - discontinued operations | 0 |
| Net cash used in financing activities | -758,410 |
| Net (decrease) increase in cash, cash equivalents, and restricted cash | -690,011 |
| Cash, cash equivalents, and restricted cash at beginning of period | 1,006,880 |
| Cash, cash equivalents, and restricted cash at end of period | 316,869 |
Eastern Bankshares, Inc. (EBC)
Eastern Bankshares, Inc. (EBC)