For the year ending 2025-12-31, FLG-PA had -$9,582M decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| (loss) income before income taxes | - | -1,378 | -50 | - |
| Gross income | - | - | - | 495 |
| Operating expenses | - | - | - | 55 |
| Income before income tax benefit and equity in undistributed earnings of subsidiaries | - | - | - | 440 |
| Income tax benefit | - | - | - | -14 |
| Income before equity in undistributed earnings of subsidiaries | - | - | - | 454 |
| Equity in undistributed earnings of subsidiaries | - | - | - | 196 |
| Income tax (benefit)/expense | - | -260 | 29 | - |
| Net income | - | - | - | 650 |
| Net (loss) income | -177 | -1,118 | -79 | - |
| Provision for credit losses | 184 | 1,092 | 833 | 133 |
| Amortization of intangibles | - | 136 | 126 | 5 |
| Depreciation | - | 48 | 39 | - |
| Amortization of discounts and premiums, net | - | 181 | 221 | - |
| Net loss on securities | - | 0 | -1 | - |
| Depreciation | - | - | - | 18 |
| Net gain on msr sale | - | 89 | - | - |
| Amortization of discounts and premiums, net | - | - | - | 37 |
| Net gain on sales of loans | - | 48 | 89 | - |
| Net (gain) loss on securities | - | - | - | -2 |
| Net gain on sales of fixed assets | - | 0 | 0 | - |
| Net (gain) loss on sales of loans | - | - | - | 5 |
| Long-term asset impairment | - | 77 | - | - |
| Depreciation and amortization | 148 | - | - | - |
| Net gain on sales of fixed assets | - | - | - | 2 |
| Gain on business acquisition | - | - | 2,131 | - |
| Loss (gain) on business acquisition | 0 | -121 | - | - |
| Gain on business acquisition | - | - | - | 159 |
| Goodwill impairment | 0 | 0 | 2,426 | - |
| Stock-based compensation | 61 | 54 | 47 | 29 |
| Deferred tax benefit | -63 | -411 | -187 | -3 |
| Other operating activities, net | -250 | - | - | - |
| Decrease (increase) in other assets | -171 | -282 | 721 | -348 |
| Decrease in other liabilities | -608 | -769 | -255 | -100 |
| Purchases of securities held for trading | - | - | 10 | 75 |
| Proceeds from sales of securities held for trading | - | - | 10 | 75 |
| Change in loans held for sale, net | -353 | -530 | -32 | -147 |
| Proceeds from sales of loans originated for sale | - | 0 | - | - |
| Net cash (used in) provided by operating activities | -181 | 86 | 263 | 1,026 |
| Proceeds from repayment of securities available-for-sale | 2,517 | 2,099 | 1,402 | 732 |
| Proceeds from sales of securities available for sale | - | - | - | 228 |
| Proceeds from sales of securities available-for-sale including loans that have been securitized | 95 | 373 | 1,858 | - |
| Purchases of securities available-for-sale | 7,694 | 3,440 | 3,046 | 2,242 |
| Redemption of federal home loan bank stock | 222 | 436 | 1,501 | 635 |
| Purchases of federal home loan bank and federal reserve bank stock | 49 | 190 | 1,626 | - |
| Proceeds from bank-owned life insurance, net | - | 21 | 30 | - |
| Proceeds from sales of loans | - | - | 0 | - |
| Purchases of federal home loan bank and federal reserve bank stock | - | - | - | 839 |
| Purchases of loans | - | 0 | 0 | - |
| Proceeds from bank-owned life insurance, net | - | - | - | -16 |
| Net proceeds from sales of msrs | 0 | 1,418 | 50 | - |
| Purchases of loans | - | - | - | 162 |
| Other changes in loans, net | -7,644 | -14,772 | 4,331 | 5,019 |
| Purchases of premises and equipment, net | -67 | -36 | -66 | - |
| (purchases) dispositions of premises and equipment, net | - | - | - | 3 |
| Other investing activities, net | -19 | - | - | - |
| Cash acquired in business acquisition | 0 | 0 | 24,901 | 331 |
| Net cash provided by investing activities | 2,687 | 15,453 | 20,673 | -6,323 |
| Net decrease in deposits | -9,870 | -5,671 | -10,738 | 7,662 |
| Net increase (decrease) in short-term advances | 250 | -4,250 | -550 | 2,550 |
| Proceeds from long-term debt issuances/advances | 4,000 | 28,236 | 19,850 | 9,479 |
| Repayments of long-term debt issuances/advances | 6,500 | 30,837 | 19,374 | 13,960 |
| Net receipt of payments of loans serviced for others | - | - | - | 189 |
| Net receipt (disbursement) of payments of loans serviced for others | - | -27 | 66 | - |
| Cash dividends paid on common stock | 15 | 53 | 486 | 317 |
| Cash dividends paid on preferred stock | 33 | 35 | 33 | 33 |
| Treasury stock repurchased | - | 0 | 0 | 7 |
| Proceeds from common stock issued, net | 0 | 1,004 | - | - |
| Proceeds from preferred stock issued, net | - | 1 | - | - |
| Payments relating to treasury shares received for restricted stock award tax payments | - | 11 | 12 | 17 |
| Other financing activities, net | 80 | - | - | - |
| Net cash used in financing activities | -12,088 | -11,589 | -11,409 | 5,168 |
| Net (decrease) increase in cash, cash equivalents, and restricted cash | - | - | - | -129 |
| Net increase (decrease) in cash, cash equivalents, and restricted cash | -9,582 | 3,950 | 9,527 | - |
| Cash, cash equivalents, and restricted cash at beginning of year | 15,559 | 11,609 | 2,082 | 2,211 |
| Cash, cash equivalents, and restricted cash at end of year | 5,977 | 15,559 | 11,609 | 2,082 |
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PA)
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PA)