For the quarter ending 2025-09-30, IBOC had -$142,597K decrease in cash & cash equivalents over the period. $112,220K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 108,375 | 197,034 |
| Credit loss expense | 1,827 | 7,727 |
| Specific reserve, other real estate owned | -1,255 | -20 |
| Depreciation of bank premises and equipment | 5,697 | 11,099 |
| Gain on sale of bank premises and equipment | 8 | 13 |
| Loss on sale of other real estate owned | 33 | -479 |
| Accretion of investment securities discounts | 1,096 | 2,181 |
| Amortization of investment securities premiums | 1,112 | 2,276 |
| Investment securities transactions, net | -1 | - |
| Unrealized gain on equity securities with readily determinable fair values | 63 | 89 |
| Stock based compensation expense | 20 | 66 |
| Earnings from affiliates and other investments | 3,548 | -1,272 |
| Deferred tax expense | 2,408 | 2,191 |
| Increase in accrued interest receivable | 2,621 | 2,667 |
| Decrease (increase) in other assets | 2,278 | -21,627 |
| Increase in other liabilities | 4,106 | -2,882 |
| Net cash provided by operating activities | 115,154 | 235,959 |
| Proceeds from maturities of securities | 125 | 1,200 |
| Proceeds from sales and calls of available for sale securities | 11,255 | 4,235 |
| Purchases of available for sale securities | 159,124 | 376,800 |
| Principal collected on mortgage backed securities | 228,817 | 445,909 |
| Net increase in loans | 263,500 | 339,775 |
| Purchases of other investments | 11,252 | 30,450 |
| Distributions from other investments | 1,235 | 478 |
| Purchases of bank premises and equipment | 2,934 | 11,242 |
| Proceeds from sales of bank premises and equipment | 8 | 13 |
| Proceeds from sales of other real estate owned | 1,472 | 3,498 |
| Net cash used in investing activities | -193,898 | -302,934 |
| Net increase (decrease) in other borrowed funds | - | 49,896 |
| Net decrease in non-interest bearing demand deposits | -141,059 | 107,628 |
| Net increase in savings and interest bearing demand deposits | 3,961 | 139,142 |
| Net increase in time deposits | 118,128 | 116,046 |
| Net increase in securities sold under repurchase agreements | 48,226 | 80,832 |
| Paydowns on long-term other borrowed funds | -157 | - |
| Purchase of treasury stock | 0 | 4,546 |
| Proceeds from stock transactions | 455 | 793 |
| Payments of cash dividends | 43,511 | 43,550 |
| Net cash provided by financing activities | -63,853 | 446,241 |
| Increase in cash and cash equivalents | -142,597 | 379,266 |
| Cash and cash equivalents at beginning of period | 352,652 | - |
| Cash and cash equivalents at end of period | 589,321 | - |
INTERNATIONAL BANCSHARES CORP (IBOC)
INTERNATIONAL BANCSHARES CORP (IBOC)