For the quarter ending 2026-03-31, IBOC had $49,452K increase in cash & cash equivalents over the period. $116,045K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 102,186 | 106,884 | 108,375 | 197,034 |
| Credit loss expense | 3,024 | 5,538 | 1,827 | 7,727 |
| Specific reserve, other real estate owned | -23 | -21 | -1,255 | -20 |
| Depreciation of bank premises and equipment | 6,176 | 6,553 | 5,697 | 11,099 |
| Gain on sale of bank premises and equipment | 19 | 2 | 8 | 13 |
| Gain on sale of other real estate owned | 1 | -72 | 33 | -479 |
| Accretion of investment securities discounts | 1,670 | 1,259 | 1,096 | 2,181 |
| Amortization of investment securities premiums | 949 | 1,087 | 1,112 | 2,276 |
| Investment securities transactions, net | - | 0 | -1 | - |
| Unrealized loss (gain) on equity securities with readily determinable fair values | -36 | 28 | 63 | 89 |
| Stock based compensation expense | 18 | 18 | 20 | 66 |
| (losses) earnings from affiliates and other investments | 530 | 3,228 | 3,548 | -1,272 |
| Deferred tax expense | 1,547 | 9,467 | 2,408 | 2,191 |
| (increase) decrease in accrued interest receivable | 2,893 | -5,033 | 2,621 | 2,667 |
| (increase) decrease in other assets | 5,361 | -15,270 | 2,278 | -21,627 |
| Increase in other liabilities | 17,245 | -5,482 | 4,106 | -2,882 |
| Net cash provided by operating activities | 120,730 | 139,944 | 115,154 | 235,959 |
| Proceeds from maturities of securities | 2,075 | 0 | 125 | 1,200 |
| Proceeds from sales and calls of available for sale securities | 3,345 | 0 | 11,255 | 4,235 |
| Purchases of available for sale securities | 332,643 | 277,078 | 159,124 | 376,800 |
| Principal collected on mortgage backed securities | 301,175 | 312,741 | 228,817 | 445,909 |
| Net increase in loans | 189,893 | 61,471 | 263,500 | 339,775 |
| Purchases of other investments | 12,640 | 89,360 | 11,252 | 30,450 |
| Distributions from other investments | 1,103 | 20,185 | 1,235 | 478 |
| Purchases of bank premises and equipment | 4,685 | 3,945 | 2,934 | 11,242 |
| Proceeds from sales of bank premises and equipment | 19 | 2 | 8 | 13 |
| Proceeds from sales of other real estate owned | 402 | 4,065 | 1,472 | 3,498 |
| Net cash used in investing activities | -231,742 | -94,861 | -193,898 | -302,934 |
| Paydowns on long-term other borrowed funds | - | -50,105 | - | 49,896 |
| Net (decrease) increase in non-interest bearing demand deposits | -13,172 | -92,705 | -141,059 | 107,628 |
| Net increase in savings and interest bearing demand deposits | 159,583 | 5,918 | 3,961 | 139,142 |
| Net increase in time deposits | 39,809 | 67,603 | 118,128 | 116,046 |
| Net increase in securities sold under repurchase agreements | 19,313 | -78,836 | 48,226 | 80,832 |
| Net (decrease) increase in other borrowed funds | 103 | - | -157 | - |
| Purchase of treasury stock | 60 | 62 | 0 | 4,546 |
| Proceeds from stock transactions | 435 | 218 | 455 | 793 |
| Payments of cash dividends | 45,390 | 1 | 43,511 | 43,550 |
| Net cash provided by financing activities | 160,464 | -97,917 | -63,853 | 446,241 |
| Increase in cash and cash equivalents | 49,452 | -52,834 | -142,597 | 379,266 |
| Cash and cash equivalents at beginning of period | 536,487 | 589,321 | 352,652 | - |
| Cash and cash equivalents at end of period | 585,939 | 536,487 | 589,321 | - |
INTERNATIONAL BANCSHARES CORP (IBOC)
INTERNATIONAL BANCSHARES CORP (IBOC)