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FIRST MERCHANTS CORP (FRMEP)

FIRST MERCHANTS CORP (FRMEP)

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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
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
43,980
28,156
57,065
168,936
Provision for credit losses
33,000
4,900
7,150
14,100
Depreciation and amortization
9,264
8,995
5,705
23,718
Change in deferred taxes
-7,596
3,978
4,314
-2,095
Share-based compensation
1,851
1,683
2,417
4,916
Loans originated for sale
215,099
153,477
142,305
358,898
Proceeds from sales of loans held for sale
220,475
163,381
149,507
366,363
Net gains on sales of loans held for sale
5,776
4,768
4,091
11,992
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
-8
Increase in cash surrender value of life insurance
2,256
2,112
1,854
4,667
Gains on life insurance benefits
69
1,334
0
1,092
Change in income tax receivable
6,076
-17,356
-
-
Change in interest receivable
4,901
-7,350
4,272
-2,727
Change in interest payable
-1,399
-5,275
-5
2,138
Operating lease right-of-use abandonment
-
-
0
-
Other adjustments
-10,487
5,285
-7,081
1,228
Net cash provided by operating activities
88,037
58,591
80,712
202,934
Net change in interest-bearing deposits
-384,007
75,019
-27,594
130,185
Purchase of securities available for sale
9,763
1,070
9,125
10,609
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
47,991
Securities held to maturity
28,997
33,221
23,103
76,183
Purchases of federal home loan bank stock
0
0
0
5,644
Redemptions of federal home loan bank stock
17
40
19
70
Redemptions of federal reserve bank stock
1
1,862
-
-
Payment of capital calls to qualified affordable housing investments
10,359
13,135
13,043
34,969
Net change in loans
226,462
-10,653
284,334
681,224
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
6,072
Proceeds from life insurance benefits
321
4,272
-1
4,082
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
5,203
Net cash provided (used) by investing activities
-289,667
368,073
-300,757
-473,066
Demand and savings deposits
400,003
-293,180
441,853
307,586
Certificates of deposit and other time deposits
-132,239
-206,188
-16,977
40,767
Proceeds from borrowings
778,954
280,067
61
854,091
Repayment of borrowings
820,200
146,447
177,981
834,422
Cash dividends on preferred stock
469
469
469
1,406
Cash dividends on common stock
23,226
22,820
20,820
62,092
Stock issued under employee benefit plans
169
170
148
480
Stock issued under dividend reinvestment and stock purchase plans
594
578
599
1,737
Stock options exercised
0
465
124
330
Repurchase of common stock
13,374
24,915
10,414
36,476
Net cash provided (used) by financing activities
190,212
-412,739
216,124
270,595
Net change in cash and cash equivalents
-11,418
13,925
-3,921
463
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
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from borrowings$778,954K Proceeds from sales ofloans held for sale$220,475K Demand and savingsdeposits$400,003K Stock issued underdividend reinvestment...$594K Stock issued underemployee benefit plans$169K Net income$43,980K Provision for creditlosses$33,000K Other adjustments-$10,487K Depreciation andamortization$9,264K Change in income taxreceivable$6,076K Share-based compensation$1,851K Net cash provided(used) by financing...$190,212K Net cash provided byoperating activities$88,037K Canceled cashflow$989,508K Canceled cashflow$237,096K Net change in cashand cash...-$11,418K Canceled cashflow$278,249K Proceeds from mortgageportfolio loan sale$271,069K Net cash and cashequivalents received in...$29,922K Securities held to maturity$28,997K Securities available forsale$15,875K Proceeds from the sale ofother real estate...$1,060K Proceeds from lifeinsurance benefits$321K Redemptions of federal homeloan bank stock$17K Redemptions of federalreserve bank stock$1K Repayment of borrowings$820,200K Certificates of deposit andother time deposits-$132,239K Cash dividends oncommon stock$23,226K Repurchase of common stock$13,374K Cash dividends onpreferred stock$469K Loans originated forsale$215,099K Change in deferredtaxes-$7,596K Net gains on sales ofloans held for sale$5,776K Change in interestreceivable$4,901K Increase in cashsurrender value of life...$2,256K Change in interestpayable-$1,399K Gains on lifeinsurance benefits$69K Net cash provided(used) by investing...-$289,667K Canceled cashflow$347,262K Net change ininterest-bearing deposits-$384,007K Net change in loans$226,462K Payment of capital callsto qualified...$10,359K Purchase of securitiesavailable for sale$9,763K Other adjustments$6,345K