FFBC: the cash flow

Cash Flow Overview

Change in Cash

$4,295K

Free Cash flow

$317,104K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-12-31

Net income

255,605

Provision for credit losses

37,667

Depreciation and amortization

31,830

Stock-based compensation expense

15,590

Pension expense (income)

8,772

Net amortization (accretion) on investment securities

3,264

Net (gain) loss on investments securities

-22,324

Originations of loans held for sale

588,444

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

24,885

Proceeds from sales of loans held for sale

609,558

Deferred income taxes

18,907

Operating lease, expense

7,993

Operating lease, payments

8,520

Life insurance, corporate or bank owned, change in value

5,690

Decrease (increase) in interest receivable

-2,540

(decrease) increase in interest payable

-5,470

Decrease (increase) in other assets

43,870

(decrease) increase in other liabilities

7,218

Net cash provided by (used in) operating activities

337,861

Proceeds from sale of debt securities, available-for-sale

752,278

Proceeds from calls, paydowns and maturities of securities available-for-sale

655,467

Payments to acquire debt securities, available-for-sale

1,794,387

Proceeds from calls, paydowns and maturities of securities held-to-maturity

18,674

Proceeds from sale of other investments

19,810

Proceeds from maturities, prepayments and calls of other investments

52,294

Purchases of other investment securities

74,657

Net decrease (increase) in interest-bearing deposits with other banks

132,890

Payments for (proceeds from) other loans and leases

97,881

Proceeds from sale of other real estate

166

Purchases of premises and equipment

20,757

Net change in operating leases

-4,884

Payment to acquire life insurance policy, investing activities

175

Proceeds from life insurance policy

1,624

Net cash acquired (paid) in business combinations

187,186

Net cash provided by (used in) investing activities

-546,724

Net (decrease) increase in total deposits

302,180

Net (decrease) increase in short-term borrowings

-158,550

Proceeds from (repayments of) other long-term debt

-131,487

Proceeds from issuance of subordinated long-term debt

300,000

Payments of debt issuance costs

4,339

Cash dividends paid on common stock

94,646

Proceeds from exercise of stock options

Net cash provided by (used in) financing activities

213,158

Net (decrease) increase in cash and due from banks

4,295

Time Plot

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