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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$272,248K
Free Cash flow
$66,969K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in other deposits
Net income
Proceeds from maturities and pri...
Others
Negative Cash Flow Breakdown
Increase (decrease) in federal f...
Payments for shares repurchased ...
Payments to acquire debt securit...
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
81,838
29,950
-
17,502
Depreciation and amortization
10,176
10,208
-
-
Change in unamortized net loan costs and premiums
291
315
-
-
Accretion of acquired loans
4,441
9,186
-
-
Proceeds from sales of equity securities at fair value
-
-
-
0
Proceeds from sales of loans held for sale
-
-
-
98,707
Disbursements for loans held for sale
-
-
-
96,395
Provision for loan and lease losses
6,250
1,288
-
1,991
Deferred income tax benefit
-
-
-
789
Net deferred loan fees
-
-
-
-488
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans
-
-
-
2,761
Deferred income tax expense
-640
1,331
-
-
Net gains on mortgage loans
-
-
-
1,474
Equity securities, fv-ni, gain (loss)
173
25
-
-
Net gains on equity securities at fair value
-
-
-
0
Gain (loss) on disposition of property plant equipment
-12
0
-
-
Net losses on sales of securities available for sale
-
-
-
-36
Gains (losses) on sales of other real estate
-51
-
-
-
Stock based compensation
3,320
347
-
571
Increase in cash surrender value of life insurance policies
2,636
2,712
-
-
Gain realized on life insurance policies
672
346
-
-
Operating lease, payments
3,886
3,955
-
-
Change in fair value on loans held for sale
222
-417
-
-
Trading assets
-690
805
-
-
Loans held for sale
5,002
-18,734
-
-
Other assets
19,560
-20,002
-
-1,995
Decrease in accrued expenses and other liabilities
-
-
-
-7,193
Increase (decrease) in other operating liabilities
8,588
-20,384
-
-
Total adjustments
-8,436
18,400
-
698
Net cash provided by operating activities
73,402
117,218
182,292
18,200
Increase (decrease) in equity securities, fv-ni
-
-
984
-
Proceeds from sale of debt securities, available-for-sale
-
-
43,722
4,225
Proceeds from the sale of securities held to maturity previously charged off
-
-
-
0
Payments to acquire equity securities, fv-ni
186
185
-
-
Proceeds from maturities and principal repayments of securities available for sale
78,710
79,030
200,066
22,959
Proceeds from maturities, prepayments and calls of securities held to maturity
-
-
-
10,476
Purchases of securities held to maturity
-
-
-
2,000
Payments to acquire debt securities, available-for-sale
69,658
168,446
408,204
8,448
Purchases of federal home loan bank stock
-
-
-
0
Proceeds from maturities and principal repayments of securities held to maturity
47,249
23,636
161,164
-
Proceeds from the redemption of federal home loan bank stock
-
-
-
0
Net decrease in federal home loan bank stock
-4,121
-4,083
-16,621
-
Net increase in portfolio loans (loans originated, net of principal payments)
-
-
-
39,516
Investments in low income housing projects
-6,240
-3,863
-38,722
-
Proceeds from the sale of portfolio loans
-
-
-
4,534
Purchases of life insurance policies
8
0
117
-
Proceeds from life insurance policy
128
1,074
3,090
-1
Net decrease (increase) in loans
-34,766
-82,983
125,724
-
Cash acquired in excess of payments to acquire business
-
-
97,760
-
Proceeds from the sale of other real estate and repossessed assets
-
-
-
-202
Purchases of bank premises and equipment
6,433
5,604
7,078
1,656
Proceeds from sale of property, plant, and equipment
75
-
295
0
Proceeds from sale of other real estate
2,049
-
-
-
Net cash provided by (used in) investing activities
84,573
12,708
81,983
-9,629
Net decrease in time deposits
-5,841
-12,926
-219,128
-
Net increase in total deposits
-
-
-
199,796
Net increase in other deposits
300,447
-16,354
677,185
-
Net decrease in other borrowings
-
-
-
-2
Increase (decrease) in federal funds purchased and securities sold under agreements to repurchase, net
-99,987
-99,786
-284,373
-
Proceeds from federal home loan bank advances
-
-
-
35,000
Proceeds from lines of credit
25,000
50,000
49,937
-
Payments of federal home loan bank advances
-
-
-
135,000
Proceeds from issuance of subordinated long-term debt
0
0
295,843
-
Repayments of subordinated debt
-
-
20,000
40,000
Cash received from stock option exercises
-
-
0
-
Restricted stock awards issued, net of awards surrendered
70
2,195
1,459
-
Dividends paid
-
-
-
5,384
Proceeds from shares issued under direct stock purchase plan
812
727
2,549
-
Payments for shares repurchased under share repurchase program
75,001
63,261
53,079
413
Share based compensation withholding obligation
-
-
-
41
Common dividends paid
31,087
29,055
103,903
-
Net cash (used in) provided by financing activities
114,273
-172,850
198,933
53,956
Net increase in cash and cash equivalents
272,248
-42,924
463,208
88,804
Cash and cash equivalents at beginning of year
728,978
771,902
208,686
119,882
Cash and cash equivalents at end of period
1,001,226
728,978
771,902
208,686
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
Net increase in
other deposits
$300,447K
Proceeds from maturities
and principal...
$78,710K
(147.72%↑ Y/Y)
Proceeds from maturities
and principal...
$47,249K
Net income
$81,838K
(152.07%↑ Y/Y)
Proceeds from lines of
credit
$25,000K
Proceeds from shares
issued under direct...
$812K
Net decrease
(increase) in loans
-$34,766K
Net decrease in
federal home loan bank...
-$4,121K
Proceeds from sale of
other real estate
$2,049K
Proceeds from life
insurance policy
$128K
(-85.15%↓ Y/Y)
Proceeds from sale of
property, plant, and...
$75K
Net cash (used in)
provided by financing...
$114,273K
(166.29%↑ Y/Y)
Net cash provided by
(used in) investing...
$84,573K
(225.66%↑ Y/Y)
Net cash provided by
operating activities
$73,402K
(44.87%↑ Y/Y)
Canceled cashflow
$211,986K
Canceled cashflow
$82,525K
Canceled cashflow
$8,436K
Depreciation and
amortization
$10,176K
Increase (decrease) in
other operating...
$8,588K
Provision for loan and
lease losses
$6,250K
(181.40%↑ Y/Y)
Stock based
compensation
$3,320K
(137.65%↑ Y/Y)
Trading assets
-$690K
Gains (losses) on
sales of other real...
-$51K
Gain (loss) on
disposition of property...
-$12K
Net increase in cash
and cash...
$272,248K
(936.07%↑ Y/Y)
Increase (decrease) in
federal funds purchased...
-$99,987K
Payments for shares
repurchased under share...
$75,001K
(919.45%↑ Y/Y)
Common dividends paid
$31,087K
Net decrease in time
deposits
-$5,841K
Restricted stock awards
issued, net of awards...
$70K
Payments to acquire debt
securities,...
$69,658K
(632.55%↑ Y/Y)
Purchases of bank premises
and equipment
$6,433K
(89.15%↑ Y/Y)
Investments in low income
housing projects
-$6,240K
Payments to acquire
equity securities,...
$186K
Purchases of life
insurance policies
$8K
Total adjustments
-$8,436K
(-146.35%↓ Y/Y)
Canceled cashflow
$29,087K
Other assets
$19,560K
(234.66%↑ Y/Y)
Loans held for sale
$5,002K
Accretion of acquired
loans
$4,441K
Operating lease, payments
$3,886K
Increase in cash
surrender value of life...
$2,636K
Gain realized on life
insurance policies
$672K
Deferred income tax
expense
-$640K
Change in unamortized
net loan costs and...
$291K
Change in fair value on
loans held for sale
$222K
Equity securities,
fv-ni, gain (loss)
$173K
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INDEPENDENT BANK CORP (IBCP)
INDEPENDENT BANK CORP (IBCP)