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Cash Flow Overview
Free Cash flow
$210,872K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from borrowings
Proceeds from sold loans and pri...
Net change in deposits
Others
Negative Cash Flow Breakdown
Repayment of borrowings
Loans and participations origina...
Net change in loans receivable
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
78,303
67,732
67,849
54,701
Depreciation
1,396
1,370
1,160
765
Provision for credit losses
9,184
15,299
27,761
29,239
Deferred income tax, net
-
-
7,778
-
Gain on sale of loans
13,160
13,506
25,730
24,671
Proceeds from sales of loans held for sale
-
-
14,761,157
12,162,638
Proceeds from sold loans and principal collected
15,511,300
12,525,217
-
-
Loans and participations originated and purchased for sale
15,427,778
13,353,384
14,895,807
12,163,493
Proceeds from sale of lihtc projects
3,558
1
14,774
-6,671
Purchases of lihtc projects for sale
10,302
6,803
17,025
19,749
Purchases of other tax credits
2,073
18,168
142,754
-
Change in servicing rights for paydowns and fair value adjustments
-3,363
-6,406
4,898
327
Mortgage loans in process of securitization
-29,583
-183,093
205,308
12,359
Other assets and receivables
-10,833
-22,261
876
16,572
Other liabilities
16,224
-15,051
-17,593
22,465
Other
-9,607
-1,021
-21,817
-3,145
Net cash (used in) provided by operating activities
213,312
-597,324
-397,899
29,765
Net change in securities purchased under agreements to resell
10
9
9
10
Purchases of securities available for sale
56,037
204,335
199,457
199,779
Purchases of securities held to maturity
-
-
0
259,580
Purchases of mortgage servicing rights
0
125
1,554
12,858
Purchases of other equity securities
-
-
1,198
-
Proceeds from calls, maturities and paydowns of securities available for sale
76,800
216,893
220,992
258,158
Proceeds from calls, maturities and paydowns of securities held to maturity
71,135
117,721
126,933
137,279
Purchases of loans
12,019
27,330
17,384
19,663
Net change in loans receivable
847,501
492,763
143,335
95,794
Proceeds from loans held for sale previously classified as loans receivable
0
55,570
44,916
0
Purchase of fhlb stock
-
-
8,541
0
Purchases of premises and equipment
2,440
1,146
3,802
5,781
Purchase of limited partnership interests
2,775
974
8,785
-15,606
Other investing activities
-3,890
-1,223
-3,891
-1,275
Net cash used in investing activities
-768,937
-335,257
12,685
-181,127
Net change in deposits
1,293,326
-108,984
-923,831
1,224,830
Proceeds from borrowings
89,055,000
69,470,000
107,127,000
216,447,587
Repayment of borrowings
89,545,894
68,539,101
106,111,987
217,921,771
Repayment of credit-linked notes
-
-
76,946
0
Repurchase of common stock
0
3,002
-
-
Dividends
15,319
15,319
14,856
14,854
Net cash provided by financing activities
787,113
803,594
-620
102,233
Net change in cash and cash equivalents
231,488
-128,987
-385,834
-49,129
Cash and cash equivalents, beginning of period
83,215
212,202
598,036
476,610
Cash and cash equivalents, end of period
314,703
83,215
212,202
598,036
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from borrowings
$89,055,000K
(-37.21%↓ Y/Y)
Proceeds from sold loans
and principal...
$15,511,300K
Net change in
deposits
$1,293,326K
(123.89%↑ Y/Y)
Net income
$78,303K
(-18.62%↓ Y/Y)
Mortgage loans in process
of securitization
-$29,583K
(-14.76%↓ Y/Y)
Other liabilities
$16,224K
(969.92%↑ Y/Y)
Other assets and
receivables
-$10,833K
(-176.19%↓ Y/Y)
Other
-$9,607K
(-72.66%↓ Y/Y)
Provision for credit
losses
$9,184K
(-84.88%↓ Y/Y)
Proceeds from sale of
lihtc projects
$3,558K
(-63.61%↓ Y/Y)
Depreciation
$1,396K
(-9.35%↓ Y/Y)
Net cash provided by
financing activities
$787,113K
(360.57%↑ Y/Y)
Net cash (used in)
provided by operating...
$213,312K
(693.39%↑ Y/Y)
Canceled cashflow
$89,561,213K
Canceled cashflow
$15,456,676K
Net change in cash
and cash...
$231,488K
(35.73%↑ Y/Y)
Canceled cashflow
$768,937K
Repayment of borrowings
$89,545,894K
(-37.03%↓ Y/Y)
Dividends
$15,319K
(-48.43%↓ Y/Y)
Proceeds from calls,
maturities and paydowns of...
$76,800K
(-80.40%↓ Y/Y)
Proceeds from calls,
maturities and paydowns of...
$71,135K
(-38.98%↓ Y/Y)
Other investing
activities
-$3,890K
(-42.13%↓ Y/Y)
Net change in
securities purchased under...
$10K
(-50.00%↓ Y/Y)
Loans and
participations originated and...
$15,427,778K
(-15.49%↓ Y/Y)
Gain on sale of loans
$13,160K
(-62.36%↓ Y/Y)
Purchases of lihtc
projects for sale
$10,302K
(-55.18%↓ Y/Y)
Change in servicing
rights for paydowns and...
-$3,363K
(-160.59%↓ Y/Y)
Purchases of other tax
credits
$2,073K
Net cash used in
investing activities
-$768,937K
(-2723.96%↓ Y/Y)
Canceled cashflow
$151,835K
Net change in loans
receivable
$847,501K
(68.37%↑ Y/Y)
Purchases of securities
available for sale
$56,037K
(-83.73%↓ Y/Y)
Purchases of loans
$12,019K
(-60.47%↓ Y/Y)
Purchase of limited
partnership interests
$2,775K
(-92.12%↓ Y/Y)
Purchases of premises and
equipment
$2,440K
(-78.52%↓ Y/Y)
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Merchants Bancorp (MBINN)
Merchants Bancorp (MBINN)