FIBK: the cash flow

Cash Flow Overview

Change in Cash

-$41,600K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2026-06-30

2026-03-31

2025-12-31

2025-09-30

Income before income tax

391,700

Income tax benefit

89,600

Net income

83,900

60,200

108,800

71,400

(reduction of) provision for credit losses

-3,200

6,700

7,100

Gain (loss) on disposition of property plant equipment

-300

-200

-3,300

-2,600

Depreciation, depletion and amortization

12,500

14,400

16,400

Accretion (amortization) of discounts and premiums, investments

1,700

1,200

100

-100

Net (gain) loss on investment securities transactions

Gain (loss) on sale of loans and leases

400

300

500

Net gains and write-downs of oreo and other assets pending disposal

300

-1,300

Gain (loss) on extinguishment of debt

800

-700

Valuation allowance for loans held-for-sale

-100

-1,200

Deferred income tax expense (benefit)

2,900

7,500

-600

-100

Life insurance, corporate or bank owned, change in value

3,900

4,200

3,500

3,600

Share-based payment arrangement, noncash expense

3,500

2,300

2,800

3,300

Payments for origination of mortgage loans held-for-sale

17,500

10,500

4,100

18,800

Proceeds from sale of mortgage loans held-for-sale

20,300

7,000

3,600

22,700

Gain on sale of consumer credit card loans

Gain on sale of branches, net

-19,500

-62,700

Increase (decrease) in accrued interest receivable, net

-3,000

-1,300

-3,200

900

Increase (decrease) in other operating assets

29,900

-8,700

-4,700

-10,900

Increase (decrease) in interest payable, net

-5,100

-3,800

-4,900

1,100

Increase (decrease) in accounts payable and accrued liabilities

12,400

-30,100

-3,800

-12,400

Net cash provided by (used in) operating activities, total

57,900

55,000

67,300

91,700

Payments to acquire debt securities, available-for-sale

348,200

514,200

785,000

573,700

Proceeds from sale and maturity of held-to-maturity securities

79,000

49,700

69,300

160,700

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

224,500

179,500

274,300

609,100

Payments for (proceeds from) short-term investments

-1,900

-11,300

Payment to acquire life insurance policy, investing activities

Proceeds from life insurance policy

2,700

1,000

800

300

Proceeds from sales of consumer credit card loans

Payments for (proceeds from) other loans and leases

-437,500

-475,500

-551,600

-543,700

Proceeds from sale of wholly owned real estate and real estate acquired in settlement of loans

2,700

200

Net cash distributed in sale of branches

156,000

279,100

Payments for (proceeds from) productive assets

7,700

5,200

8,300

7,400

Net cash provided by (used in) investing activities, total

234,500

186,300

-174,300

743,700

Increase (decrease) in deposits

-197,600

-205,300

124,900

-25,600

Proceeds from (payments for) in securities sold under agreements to repurchase

-20,900

-3,500

-5,600

-24,100

Proceeds from (repayments of) other debt

-250,000

Repayments of other long-term debt

100

12,500

100,000

Proceeds from issuance of unsecured debt

-125,000

Payments of debt issuance costs

100

Proceeds from issuance of subordinated long-term debt

125,000

Payments for repurchase of common stock

69,500

87,700

91,200

27,500

Payments of ordinary dividends, common stock

46,000

45,700

48,100

49,100

Net cash provided by (used in) financing activities, total

-334,000

-342,300

-32,500

-476,400

Cash, cash equivalents, restricted cash, and restricted cash equivalents, period increase (decrease), including exchange rate effect, total

-41,600

-101,000

-139,500

359,000

Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning balance

1,208,700

1,309,700

1,449,200

896,600

Cash, cash equivalents, restricted cash, and restricted cash equivalents, ending balance

1,167,100

1,208,700

1,309,700

1,449,200

Time Plot

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Cash Flow Overview

Change in Cash

-$41,600K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2026-06-30

2026-03-31

2025-12-31

2025-09-30

Income before income tax

391,700

Income tax benefit

89,600

Net income

83,900

60,200

108,800

71,400

(reduction of) provision for credit losses

-3,200

6,700

7,100

Gain (loss) on disposition of property plant equipment

-300

-200

-3,300

-2,600

Depreciation, depletion and amortization

12,500

14,400

16,400

Accretion (amortization) of discounts and premiums, investments

1,700

1,200

100

-100

Net (gain) loss on investment securities transactions

Gain (loss) on sale of loans and leases

400

300

500

Net gains and write-downs of oreo and other assets pending disposal

300

-1,300

Gain (loss) on extinguishment of debt

800

-700

Valuation allowance for loans held-for-sale

-100

-1,200

Deferred income tax expense (benefit)

2,900

7,500

-600

-100

Life insurance, corporate or bank owned, change in value

3,900

4,200

3,500

3,600

Share-based payment arrangement, noncash expense

3,500

2,300

2,800

3,300

Payments for origination of mortgage loans held-for-sale

17,500

10,500

4,100

18,800

Proceeds from sale of mortgage loans held-for-sale

20,300

7,000

3,600

22,700

Gain on sale of consumer credit card loans

Gain on sale of branches, net

-19,500

-62,700

Increase (decrease) in accrued interest receivable, net

-3,000

-1,300

-3,200

900

Increase (decrease) in other operating assets

29,900

-8,700

-4,700

-10,900

Increase (decrease) in interest payable, net

-5,100

-3,800

-4,900

1,100

Increase (decrease) in accounts payable and accrued liabilities

12,400

-30,100

-3,800

-12,400

Net cash provided by (used in) operating activities, total

57,900

55,000

67,300

91,700

Payments to acquire debt securities, available-for-sale

348,200

514,200

785,000

573,700

Proceeds from sale and maturity of held-to-maturity securities

79,000

49,700

69,300

160,700

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

224,500

179,500

274,300

609,100

Payments for (proceeds from) short-term investments

-1,900

-11,300

Payment to acquire life insurance policy, investing activities

Proceeds from life insurance policy

2,700

1,000

800

300

Proceeds from sales of consumer credit card loans

Payments for (proceeds from) other loans and leases

-437,500

-475,500

-551,600

-543,700

Proceeds from sale of wholly owned real estate and real estate acquired in settlement of loans

2,700

200

Net cash distributed in sale of branches

156,000

279,100

Payments for (proceeds from) productive assets

7,700

5,200

8,300

7,400

Net cash provided by (used in) investing activities, total

234,500

186,300

-174,300

743,700

Increase (decrease) in deposits

-197,600

-205,300

124,900

-25,600

Proceeds from (payments for) in securities sold under agreements to repurchase

-20,900

-3,500

-5,600

-24,100

Proceeds from (repayments of) other debt

-250,000

Repayments of other long-term debt

100

12,500

100,000

Proceeds from issuance of unsecured debt

-125,000

Payments of debt issuance costs

100

Proceeds from issuance of subordinated long-term debt

125,000

Payments for repurchase of common stock

69,500

87,700

91,200

27,500

Payments of ordinary dividends, common stock

46,000

45,700

48,100

49,100

Net cash provided by (used in) financing activities, total

-334,000

-342,300

-32,500

-476,400

Cash, cash equivalents, restricted cash, and restricted cash equivalents, period increase (decrease), including exchange rate effect, total

-41,600

-101,000

-139,500

359,000

Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning balance

1,208,700

1,309,700

1,449,200

896,600

Cash, cash equivalents, restricted cash, and restricted cash equivalents, ending balance

1,167,100

1,208,700

1,309,700

1,449,200

Time Plot

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