For the quarter ending 2025-09-30, FMBH had $87,070K increase in cash & cash equivalents over the period. $31,939K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 22,462 | 45,609 |
| Provision for credit losses | 3,353 | 4,219 |
| Depreciation, amortization and accretion, net | 4,994 | 9,864 |
| Change in cash surrender value of bank owned life insurance | 1,255 | 2,406 |
| Gain on death benefit paid from bank owned life insurance | 0 | 487 |
| Stock-based compensation expense | 637 | 1,359 |
| Operating lease payments | 844 | 1,639 |
| Loss on investment securities, net | -1,930 | -181 |
| Loss (gain) on sales and write-downs of other real estate owned, net | -150 | -88 |
| Loss (gain) on sale of premises and equipment | 1,339 | -79 |
| Gain on sale of loans held for sale, net | 1,109 | 1,676 |
| Loss (gain) on repayment of subordinated debentures | 0 | -289 |
| Gain on repayment of fhlb advances | 0 | 85 |
| Increase in accrued interest receivable | 3,634 | -638 |
| Increase in accrued interest payable | 1,205 | 1,635 |
| Origination of loans held for sale | 45,735 | 74,148 |
| Proceeds from sale of loans held for sale | 48,660 | 75,079 |
| Decrease in other assets | 567 | -2,232 |
| Decrease in other liabilities | 4,132 | -5,200 |
| Net cash provided by operating activities | 33,040 | 55,631 |
| Proceeds from maturities of certificates of deposit | 980 | 1,470 |
| Purchases of certificates of deposit | 0 | 0 |
| Proceeds from sales of securities available-for-sale | 33,803 | 8,291 |
| Proceeds from maturities of securities available-for-sale | 27,525 | 60,018 |
| Purchases of securities available-for-sale | 48,968 | 67,737 |
| Purchase of securities held-to-maturity | 18 | 38 |
| Net increase in loans | 60,368 | 97,005 |
| Purchases of premises and equipment | 1,101 | 3,713 |
| Proceeds from sale of premises and equipment | 4,153 | 3,718 |
| Proceeds from sales of other real property owned | 132 | 458 |
| Proceeds from bank owned life insurance death benefit | 0 | 1,414 |
| Net cash used in acquisition | -2,300 | - |
| Net cash provided by (used in) investing activities | -46,162 | -93,124 |
| Net increase (decrease) in deposits | 99,344 | 133,103 |
| Decrease in repurchase agreements | 6,565 | -10,181 |
| Proceeds from fhlb advances | 25,000 | 125,000 |
| Repayment of fhlb advances | 25,000 | 122,435 |
| Proceeds from short-term debt | 0 | 4,000 |
| Repayment of short-term debt | 0 | 4,000 |
| Repayment of subordinated debentures | 0 | 8,381 |
| Proceeds from issuance of common stock | 251 | 644 |
| Dividends paid on common stock | 5,968 | 11,456 |
| Net cash provided by (used in) financing activities | 100,192 | 106,294 |
| Increase in cash and cash equivalents | 87,070 | 68,801 |
| Cash and cash equivalents at beginning of period | 121,216 | - |
| Cash and cash equivalents at end of period | 277,087 | - |
FIRST MID BANCSHARES, INC. (FMBH)
FIRST MID BANCSHARES, INC. (FMBH)