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Cash Flow
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Balance Sheet
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Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from borrowings
Demand and savings deposits
Proceeds from mortgage portfolio...
Others
Negative Cash Flow Breakdown
Repayment of borrowings
Net change in interest-bearing d...
Net change in loans
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
43,980
28,156
57,065
56,765
Provision for credit losses
33,000
4,900
7,150
4,300
Depreciation and amortization
9,264
8,995
5,705
8,007
Change in deferred taxes
-7,596
3,978
4,314
83
Share-based compensation
1,851
1,683
2,417
1,754
Loans originated for sale
215,099
153,477
142,305
121,648
Proceeds from sales of loans held for sale
220,475
163,381
149,507
130,907
Net gains on sales of loans held for sale
5,776
4,768
4,091
3,666
Net gain on divestiture
-
-
0
-
Loss on mortgage loans reclassified to held for sale
0
-29,755
-
-
Net losses on sales of securities available for sale
0
0
0
0
Increase in cash surrender value of life insurance
2,256
2,112
1,854
1,517
Gains on life insurance benefits
69
1,334
0
150
Change in income tax receivable
6,076
-17,356
-
-
Change in interest receivable
4,901
-7,350
4,272
-4,156
Change in interest payable
-1,399
-5,275
-5
2,066
Operating lease right-of-use abandonment
-
-
0
-
Other adjustments
-10,487
5,285
-7,081
-6,502
Net cash provided by operating activities
88,037
58,591
80,712
87,559
Net change in interest-bearing deposits
-384,007
75,019
-27,594
54,637
Purchase of securities available for sale
9,763
1,070
9,125
4,703
Securities held to maturity
-
-
0
-
Proceeds from sales of securities available for sale
0
251,341
0
0
Securities available for sale
15,875
10,757
17,584
17,907
Securities held to maturity
28,997
33,221
23,103
26,496
Purchases of federal home loan bank stock
0
0
0
1
Redemptions of federal home loan bank stock
17
40
19
27
Redemptions of federal reserve bank stock
1
1,862
-
-
Payment of capital calls to qualified affordable housing investments
10,359
13,135
13,043
11,373
Net change in loans
226,462
-10,653
284,334
224,195
Proceeds from mortgage portfolio loan sale
271,069
-
-
-
Net cash and cash equivalents paid in divestiture of branches
-
-
0
-
Net cash and cash equivalents paid in acquisition
-
7
-
-
Net cash and cash equivalents received in acquisition
29,922
-
-
-
Proceeds from the sale of other real estate owned
1,060
728
1,259
348
Proceeds from life insurance benefits
321
4,272
-1
779
Proceeds from portfolio loan sale-Mortgage Loan
-
-
0
0
Proceeds from portfolio loan sale-Commercial Loan
-
-
0
0
Other adjustments
6,345
5,608
8,625
3,252
Net cash provided (used) by investing activities
-289,667
368,073
-300,757
-143,330
Demand and savings deposits
400,003
-293,180
441,853
27,051
Certificates of deposit and other time deposits
-132,239
-206,188
-16,977
45,350
Proceeds from borrowings
778,954
280,067
61
171,897
Repayment of borrowings
820,200
146,447
177,981
155,120
Cash dividends on preferred stock
469
469
469
468
Cash dividends on common stock
23,226
22,820
20,820
20,804
Stock issued under employee benefit plans
169
170
148
163
Stock issued under dividend reinvestment and stock purchase plans
594
578
599
597
Stock options exercised
0
465
124
93
Repurchase of common stock
13,374
24,915
10,414
6,476
Net cash provided (used) by financing activities
190,212
-412,739
216,124
62,283
Net change in cash and cash equivalents
-11,418
13,925
-3,921
6,512
Cash and cash equivalents, january 1
98,083
84,158
88,079
87,616
Cash and cash equivalents, june 30
86,665
98,083
84,158
88,079
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Proceeds from borrowings
$778,954K
(14.18%↑ Y/Y)
Proceeds from sales of
loans held for sale
$220,475K
(-6.36%↓ Y/Y)
Demand and savings
deposits
$400,003K
(42.59%↑ Y/Y)
Stock issued under
dividend reinvestment...
$594K
(-47.89%↓ Y/Y)
Stock issued under
employee benefit plans
$169K
(-46.69%↓ Y/Y)
Net income
$43,980K
(-60.79%↓ Y/Y)
Provision for credit
losses
$33,000K
(236.73%↑ Y/Y)
Other adjustments
-$10,487K
(-235.67%↓ Y/Y)
Depreciation and
amortization
$9,264K
(-41.03%↓ Y/Y)
Change in income tax
receivable
$6,076K
Share-based compensation
$1,851K
(-41.46%↓ Y/Y)
Net cash provided
(used) by financing...
$190,212K
(-8.69%↓ Y/Y)
Net cash provided by
operating activities
$88,037K
(-23.69%↓ Y/Y)
Canceled cashflow
$989,508K
Canceled cashflow
$237,096K
Net change in cash
and cash...
-$11,418K
(-88.76%↓ Y/Y)
Canceled cashflow
$278,249K
Proceeds from mortgage
portfolio loan sale
$271,069K
Net cash and cash
equivalents received in...
$29,922K
Securities held to maturity
$28,997K
(-41.64%↓ Y/Y)
Securities available for
sale
$15,875K
(-47.23%↓ Y/Y)
Proceeds from the sale of
other real estate...
$1,060K
(-81.48%↓ Y/Y)
Proceeds from life
insurance benefits
$321K
(-90.28%↓ Y/Y)
Redemptions of federal home
loan bank stock
$17K
(-60.47%↓ Y/Y)
Redemptions of federal
reserve bank stock
$1K
Repayment of borrowings
$820,200K
(20.74%↑ Y/Y)
Certificates of deposit and
other time deposits
-$132,239K
(-2785.42%↓ Y/Y)
Cash dividends on
common stock
$23,226K
(-43.75%↓ Y/Y)
Repurchase of common stock
$13,374K
(-55.42%↓ Y/Y)
Cash dividends on
preferred stock
$469K
(-50.00%↓ Y/Y)
Loans originated for
sale
$215,099K
(-9.34%↓ Y/Y)
Change in deferred
taxes
-$7,596K
(-248.76%↓ Y/Y)
Net gains on sales of
loans held for sale
$5,776K
(-30.63%↓ Y/Y)
Change in interest
receivable
$4,901K
(242.97%↑ Y/Y)
Increase in cash
surrender value of life...
$2,256K
(-28.38%↓ Y/Y)
Change in interest
payable
-$1,399K
(-2043.06%↓ Y/Y)
Gains on life
insurance benefits
$69K
(-92.68%↓ Y/Y)
Net cash provided
(used) by investing...
-$289,667K
(12.15%↑ Y/Y)
Canceled cashflow
$347,262K
Net change in
interest-bearing deposits
-$384,007K
(-608.30%↓ Y/Y)
Net change in loans
$226,462K
(-50.45%↓ Y/Y)
Payment of capital calls
to qualified...
$10,359K
(-56.10%↓ Y/Y)
Purchase of securities
available for sale
$9,763K
(65.31%↑ Y/Y)
Other adjustments
$6,345K
(225.22%↑ Y/Y)
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FIRST MERCHANTS CORP (FRME)
FIRST MERCHANTS CORP (FRME)