| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 305,409 | 197,034 |
| Credit loss expense | 9,554 | 7,727 |
| Specific reserve, other real estate owned | -1,275 | -20 |
| Depreciation of bank premises and equipment | 16,796 | 11,099 |
| Gain on sale of bank premises and equipment | 21 | 13 |
| Loss on sale of other real estate owned | -446 | -479 |
| Accretion of investment securities discounts | 3,277 | 2,181 |
| Amortization of investment securities premiums | 3,388 | 2,276 |
| Investment securities transactions, net | -1 | - |
| Unrealized gain on equity securities with readily determinable fair values | 152 | 89 |
| Stock based compensation expense | 86 | 66 |
| Earnings from affiliates and other investments | 2,276 | -1,272 |
| Deferred tax expense | 4,599 | 2,191 |
| Increase in accrued interest receivable | 5,288 | 2,667 |
| Decrease (increase) in other assets | -19,349 | -21,627 |
| Increase in other liabilities | 1,224 | -2,882 |
| Net cash provided by operating activities | 351,113 | 235,959 |
| Proceeds from maturities of securities | 1,325 | 1,200 |
| Proceeds from sales and calls of available for sale securities | 15,490 | 4,235 |
| Purchases of available for sale securities | 535,924 | 376,800 |
| Principal collected on mortgage backed securities | 674,726 | 445,909 |
| Net increase in loans | 603,275 | 339,775 |
| Purchases of other investments | 41,702 | 30,450 |
| Distributions from other investments | 1,713 | 478 |
| Purchases of bank premises and equipment | 14,176 | 11,242 |
| Proceeds from sales of bank premises and equipment | 21 | 13 |
| Proceeds from sales of other real estate owned | 4,970 | 3,498 |
| Net cash used in investing activities | -496,832 | -302,934 |
| Net increase (decrease) in other borrowed funds | - | 49,896 |
| Net decrease in non-interest bearing demand deposits | -33,431 | 107,628 |
| Net increase in savings and interest bearing demand deposits | 143,103 | 139,142 |
| Net increase in time deposits | 234,174 | 116,046 |
| Net increase in securities sold under repurchase agreements | 129,058 | 80,832 |
| Paydowns on long-term other borrowed funds | -157 | - |
| Purchase of treasury stock | 4,546 | 4,546 |
| Proceeds from stock transactions | 1,248 | 793 |
| Payments of cash dividends | 87,061 | 43,550 |
| Net cash provided by financing activities | 382,388 | 446,241 |
| Increase in cash and cash equivalents | 236,669 | 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)