For the quarter ending 2025-09-30, HBT had -$40,609K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 19,765 | 38,305 |
| Depreciation expense | 812 | 1,535 |
| Provision for credit losses | 596 | 1,102 |
| Net amortization of debt securities | 450 | 1,409 |
| Deferred income tax expense | -366 | 1,091 |
| Stock-based compensation | 513 | 874 |
| Net accretion of discount and deferred loan fees on loans | 1,672 | 3,801 |
| Net realized loss on sales of securities | -49 | 0 |
| Net unrealized loss (gain) on equity securities | -67 | 31 |
| Net loss on disposals of bank premises and equipment | -7 | -83 |
| Net gain on sales of bank premises held for sale | -7 | 59 |
| Impairment losses on bank premises held for sale | 0 | 50 |
| Net gain on sales of foreclosed assets | 183 | 41 |
| Write-down of foreclosed assets | 35 | 14 |
| Amortization of intangibles | 694 | 1,389 |
| Decrease in fair value of mortgage servicing rights | 514 | 1,059 |
| Net loss on extinguishment of subordinated debt | -391 | - |
| Amortization of discount and issuance costs on subordinated notes and debentures | 31 | 70 |
| Amortization of discount on federal home loan bank advances | 31 | 97 |
| Amortization of premium on time deposits | 0 | 0 |
| Mortgage loans originated for sale | 12,895 | 23,453 |
| Proceeds from sale of mortgage loans | 14,169 | 23,434 |
| Net gain on sale of mortgage loans | 390 | 711 |
| Increase in cash surrender value of bank owned life insurance | 169 | 331 |
| Decrease in accrued interest receivable | 2,951 | -4,146 |
| Decrease in other assets | 205 | -424 |
| Increase (decrease) in other liabilities | -2,126 | -2,662 |
| Net cash provided by operating activities | 17,174 | 43,993 |
| Proceeds from maturities of interest-bearing time deposits with banks | 0 | - |
| Purchase of interest-bearing time deposits with banks | 0 | 0 |
| Proceeds from sales of debt securities | 1,276 | 0 |
| Proceeds from sales and redemptions of equity securities | 0 | 54 |
| Proceeds from paydowns, maturities, and calls of debt securities | 42,212 | 86,079 |
| Purchase of debt securities | 41,328 | 125,579 |
| Purchase of equity securities | 0 | 34 |
| Purchase of loans | 0 | 9,782 |
| Net decrease in loans | 50,920 | -129,077 |
| Proceeds from redemption of restricted stock | 0 | 107 |
| Purchases of bank premises and equipment | 2,274 | 3,383 |
| Proceeds from sales of bank premises and equipment | 13 | - |
| Proceeds from sales of bank premises held for sale | 133 | 186 |
| Proceeds from sales of foreclosed assets | 671 | 469 |
| Net cash provided by investing activities | -50,217 | 77,194 |
| Net increase (decrease) in deposits | 40,656 | -11,723 |
| Net decrease in repurchase agreements | -556 | -28,413 |
| Proceeds from long-term federal home loan bank advances | 0 | 1,800 |
| Repayment of long-term federal home loan bank advances | 0 | 7,888 |
| Repayment of subordinated notes | 40,000 | - |
| Taxes paid related to the vesting of restricted stock units | 0 | 691 |
| Repurchase of common stock | 1,015 | 2,903 |
| Cash dividends and dividend equivalents paid | 6,651 | 13,319 |
| Net cash used in financing activities | -7,566 | -63,137 |
| Net increase in cash and cash equivalents | -40,609 | 58,050 |
| Cash and cash equivalents at beginning of period | 137,692 | - |
| Cash and cash equivalents at end of period | 155,133 | - |
HBT Financial, Inc. (HBT)
HBT Financial, Inc. (HBT)