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Cash Flow Overview

Change in Cash
-$134,782K
Free Cash flow
$88,556K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Principal collected on mortgage ...
    • Net increase in savings and inte...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Purchases of available for sale ...
    • Net increase in loans
    • Purchases of other investments
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
95,812
102,186
106,884
108,375
Credit loss expense
11,105
3,024
5,538
1,827
Specific reserve, other real estate owned
0
-23
-21
-1,255
Depreciation of bank premises and equipment
6,225
6,176
6,553
5,697
Gain on sale of bank premises and equipment
30
19
2
8
Gain on sale of other real estate owned
-9
1
-72
33
Accretion of investment securities discounts
1,759
1,670
1,259
1,096
Amortization of investment securities premiums
892
949
1,087
1,112
Investment securities transactions, net
-
-
0
-1
Unrealized loss (gain) on equity securities with readily determinable fair values
8
-36
28
63
Stock based compensation expense
15
18
18
20
(losses) earnings from affiliates and other investments
977
530
3,228
3,548
Deferred tax expense
265
1,547
9,467
2,408
Increase in accrued interest receivable
2,422
2,893
-5,033
2,621
(increase) decrease in other assets
4,467
5,361
-15,270
2,278
Increase (decrease) in other liabilities
-10,436
17,245
-5,482
4,106
Net cash provided by operating activities
94,224
120,730
139,944
115,154
Proceeds from maturities of securities
1,000
2,075
0
125
Proceeds from sales and calls of available for sale securities
0
3,345
0
11,255
Purchases of available for sale securities
429,953
332,643
277,078
159,124
Principal collected on mortgage backed securities
298,297
301,175
312,741
228,817
Net increase in loans
216,265
189,893
61,471
263,500
Purchases of other investments
11,505
12,640
89,360
11,252
Distributions from other investments
13,945
1,103
20,185
1,235
Purchases of bank premises and equipment
5,668
4,685
3,945
2,934
Proceeds from sales of bank premises and equipment
30
19
2
8
Proceeds from sales of other real estate owned
565
402
4,065
1,472
Net cash used in investing activities
-349,554
-231,742
-94,861
-193,898
Net (decrease) increase in non-interest bearing demand deposits
633
-13,172
-92,705
-141,059
Net increase in savings and interest bearing demand deposits
96,115
159,583
5,918
3,961
Net increase in time deposits
16,570
39,809
67,603
118,128
Net increase in securities sold under repurchase agreements
7,069
19,313
-78,836
48,226
Paydowns on long-term other borrowed funds
-
-
-50,105
-
Net (decrease) increase in other borrowed funds
-53
103
-
-157
Purchase of treasury stock
97
60
62
0
Proceeds from stock transactions
311
435
218
455
Payments of cash dividends
0
45,390
1
43,511
Net cash provided by financing activities
120,548
160,464
-97,917
-63,853
(decrease) increase in cash and cash equivalents
-134,782
49,452
-52,834
-142,597
Cash and cash equivalents at beginning of period
585,939
536,487
589,321
352,652
Cash and cash equivalents at end of period
451,157
585,939
536,487
589,321
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase insavings and interest...$96,115K (-30.92%↓ Y/Y)Net increase in timedeposits$16,570K (-85.72%↓ Y/Y)Net increase insecurities sold under...$7,069K (-91.25%↓ Y/Y)Net (decrease)increase in non-interest...$633K (-99.41%↓ Y/Y)Proceeds from stocktransactions$311K (-60.78%↓ Y/Y)Net income$95,812K (-51.37%↓ Y/Y)Credit loss expense$11,105K (43.72%↑ Y/Y)Depreciation of bank premisesand equipment$6,225K (-43.91%↓ Y/Y)Amortization of investmentsecurities premiums$892K (-60.81%↓ Y/Y)Deferred tax expense$265K (-87.91%↓ Y/Y)Stock basedcompensation expense$15K (-77.27%↓ Y/Y)Gain on sale of otherreal estate owned-$9K (98.12%↑ Y/Y)Net cash provided byfinancing activities$120,548K (-72.99%↓ Y/Y)Net cash provided byoperating activities$94,224K (-60.07%↓ Y/Y)Canceled cashflow$150K Canceled cashflow$20,099K (decrease) increase in cashand cash...-$134,782K (-135.54%↓ Y/Y)Canceled cashflow$214,772K Principal collected onmortgage backed...$298,297K (-33.10%↓ Y/Y)Distributions from otherinvestments$13,945K (2817.36%↑ Y/Y)Proceeds from maturitiesof securities$1,000K (-16.67%↓ Y/Y)Proceeds from sales ofother real estate...$565K (-83.85%↓ Y/Y)Proceeds from sales ofbank premises and...$30K (130.77%↑ Y/Y)Purchase of treasurystock$97K (-97.87%↓ Y/Y)Net (decrease)increase in other...-$53K Increase (decrease) inother liabilities-$10,436K (-262.11%↓ Y/Y)(increase) decrease inother assets$4,467K (120.65%↑ Y/Y)Increase in accruedinterest receivable$2,422K (-9.19%↓ Y/Y)Accretion of investmentsecurities discounts$1,759K (-19.35%↓ Y/Y)(losses) earnings fromaffiliates and other...$977K (176.81%↑ Y/Y)Gain on sale of bankpremises and equipment$30K (130.77%↑ Y/Y)Unrealized loss (gain) onequity securities with...$8K (-91.01%↓ Y/Y)Net cash used ininvesting activities-$349,554K (-15.39%↓ Y/Y)Canceled cashflow$313,837K Purchases of available forsale securities$429,953K (14.11%↑ Y/Y)Net increase inloans$216,265K (-36.35%↓ Y/Y)Purchases of otherinvestments$11,505K (-62.22%↓ Y/Y)Purchases of bank premisesand equipment$5,668K (-49.58%↓ Y/Y)

INTERNATIONAL BANCSHARES CORP (IBOC)

INTERNATIONAL BANCSHARES CORP (IBOC)