| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 73,129 | 49,955 |
| Provision for credit losses | 18,400 | 8,300 |
| Depreciation and amortization on premises and equipment | 6,170 | 4,103 |
| Deferred tax expense | 6,618 | 4,677 |
| Amortization of net premium on securities | -401 | -253 |
| Accretion of net discount on acquired loans | -976 | -851 |
| Net change in deferred loan origination fees and costs | -3,899 | -2,302 |
| Amortization of core deposits and other intangible assets | 1,784 | 1,206 |
| Amortization of premium on acquired deposits | 54 | 45 |
| Accretion of discount on subordinated debt | 211 | 151 |
| Amortization of issuance costs on subordinated debt | 110 | 73 |
| Increase in cash surrender value of bank-owned life insurance | 1,607 | 1,062 |
| Impairment of other real estate owned and foreclosed assets | 672 | 642 |
| Federal home loan bank stock dividends | 478 | 369 |
| Share-based compensation expense | 2,935 | 1,692 |
| Decrease in fair value of mortgage servicing rights | 9,111 | 6,295 |
| Net loss on disposal of premises and equipment | -180 | -133 |
| Net loss on other real estate owned and foreclosed assets activity | -27 | 0 |
| Net gain on sales of loans held-for-sale | 7,723 | 4,135 |
| Origination of loans held-for-sale | 1,017,631 | 641,544 |
| Proceeds from sales of loans held-for-sale | 991,380 | 609,949 |
| Lease right-of-use assets | -160 | 24 |
| Accrued interest receivable | 2,694 | 1,802 |
| Prepaid expenses and other assets | -24,143 | -12,056 |
| Accrued interest payable | -644 | -1,458 |
| Accrued expenses and other liabilities | -11,370 | -4,084 |
| Deferred tax assets | 5,100 | 5,100 |
| Net cash provided by operating activities | 90,733 | 41,361 |
| Proceeds from maturities of held-to-maturity securities | 1,092 | 725 |
| Purchases of available-for-sale securities | 21,595 | 20,772 |
| Proceeds from paydowns, sales or maturities of available-for-sale securities | 29,143 | 20,246 |
| Loan originations, net of repayments | -340,654 | -155,142 |
| Purchases of premises and equipment | 5,753 | 4,001 |
| Proceeds from sales of other real estate owned and foreclosed assets | 249 | 249 |
| Proceeds from bank-owned life insurance | 0 | 0 |
| Purchases of restricted equity securities | 661 | 634 |
| Proceeds from the sale or redemption of restricted equity securities | 5,289 | 5,143 |
| Purchase of other investments | 6,585 | 6,819 |
| Proceeds from the sale or redemption of other investments | 698 | 486 |
| Net cash used in investing activities | -338,777 | -160,519 |
| Net change in deposits | 433,209 | 427,949 |
| Net change in securities sold under agreements to repurchase | -4,875 | -3,526 |
| Proceeds from federal home loan bank advances | 293,000 | 293,000 |
| Repayments of federal home loan bank advances | 428,000 | 428,000 |
| Proceeds from issuance of common stock, net of issuance costs and taxes paid on cashless exercise of equity awards | -1,308 | -1,067 |
| Net cash provided by financing activities | 292,026 | 288,356 |
| Net increase in cash and cash equivalents | 43,982 | 169,198 |
| Cash and cash equivalents at beginning of period | 615,917 | - |
| Cash and cash equivalents at end of period | 659,899 | - |
FIRSTSUN CAPITAL BANCORP (FSUN)
FIRSTSUN CAPITAL BANCORP (FSUN)