For the year ending 2025-12-31, IBOC had $183,835K increase in cash & cash equivalents over the period. $472,936K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 412,293 |
| Credit loss expense | 15,092 |
| Specific reserve, other real estate owned | -1,296 |
| Depreciation of bank premises and equipment | 23,349 |
| Gain on sale of bank premises and equipment | 23 |
| Loss (gain) on sale of other real estate owned | -518 |
| Accretion of investment securities discounts | 4,536 |
| Amortization of investment securities premiums | 4,475 |
| Investment securities transactions, net | -1 |
| Unrealized (gain) loss on equity securities with readily determinable fair values | 180 |
| Stock based compensation expense | 104 |
| Earnings from affiliates and other investments | 5,504 |
| Deferred tax expense (benefit) | 14,066 |
| Increase in accrued interest receivable | 255 |
| Decrease (increase) in other assets | -34,619 |
| (decrease) increase in other liabilities | -4,258 |
| Net cash provided by operating activities | 491,057 |
| Proceeds from maturities of securities | 1,325 |
| Proceeds from sales and calls of available for sale securities | 15,490 |
| Purchases of available for sale securities | 813,002 |
| Principal collected on mortgage backed securities | 987,467 |
| Net increase in loans | 664,746 |
| Purchases of other investments | 131,062 |
| Distributions from other investments | 21,898 |
| Purchases of bank premises and equipment | 18,121 |
| Proceeds from sales of bank premises and equipment | 23 |
| Proceeds from sales of other real estate owned | 9,035 |
| Net cash used in investing activities | -591,693 |
| Net decrease in non-interest bearing demand deposits | -126,136 |
| Net increase (decrease) in savings and interest bearing demand deposits | 149,021 |
| Net increase in time deposits | 301,777 |
| Net increase in securities sold under repurchase agreements | 50,222 |
| Paydowns on long-term other borrowed funds | -209 |
| Purchase of treasury stock | 4,608 |
| Proceeds from stock transactions | 1,466 |
| Payments of cash dividends | 87,062 |
| Net cash provided by (used in) financing activities | 284,471 |
| Increase (decrease) in cash and cash equivalents | 183,835 |
| Cash and cash equivalents at beginning of period | 352,652 |
| Cash and cash equivalents at end of period | 536,487 |
INTERNATIONAL BANCSHARES CORP (IBOC)
INTERNATIONAL BANCSHARES CORP (IBOC)