For the quarter ending 2025-09-30, MCHB had $442,936K increase in cash & cash equivalents over the period. $76,646K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income (loss) | 141,437 |
| Provision for credit losses | 42,663 |
| Originations of loans held for sale | 61,287 |
| Proceeds from sales and principal collected on loans held for sale | 46,993 |
| Net fair value adjustment and gain on sale of loans held for sale | -659 |
| Ending balance | 329 |
| Amortization of premiums and discounts on investment securities | -3,178 |
| Depreciation of premises and equipment | 7,108 |
| Amortization of intangible assets | 9,655 |
| Amortization of premiums and discounts on debt and deposits | 700 |
| Net loss on debt extinguishment | -835 |
| Share-based compensation expense | 785 |
| Increase in cash surrender value of bank-owned life insurance | 3,198 |
| Net (gain) loss on sales and calls of investment securities | 4,292 |
| Net loss on sale, disposal and write-down of other real estate owned | -3,442 |
| Net loss (gain) on sale and disposal of premises and equipment | -100 |
| Deferred income tax expense | -3,844 |
| Amortization of deferred loan fees and costs | -9,909 |
| Amortization of premiums and discounts on purchased loans | 7,959 |
| Origination, amortization and change in fair value of msrs, net | 1,108 |
| Change in fair value of trading securities | 98 |
| Bargain purchase gain | 90,363 |
| Interest receivable and other assets | -53,598 |
| Interest payable and other liabilities | -70,471 |
| Net cash provided by operating activities | 79,669 |
| Purchases | 561,139 |
| Sales | 930,123 |
| Maturities, calls and paydowns | 252,179 |
| Maturities, calls and paydowns | 77,720 |
| Loan originations and principal collections, net | 835,542 |
| Purchases of loans | 172,296 |
| Recoveries of loans charged-off | 9,213 |
| Proceeds from the settlement of bank-owned life insurance | 6,748 |
| Proceeds from sales of other real estate owned | 13,303 |
| Proceeds from sales of premises and equipment | 887 |
| Purchases of premises and equipment | 3,023 |
| Proceeds from sale of federal home loan bank stock | 49,873 |
| Net cash acquired in merger | 156,890 |
| Net cash provided by investing activities | 1,596,020 |
| Net decrease in deposits | -232,753 |
| Repayment of long-term fhlb advances | 1,000,000 |
| Net decrease in bank term funding | 0 |
| Repayment of subordinated debt | 0 |
| Cash dividends paid | 0 |
| Net cash used by financing activities | -1,232,753 |
| Net increase (decrease) in cash and cash equivalents | 442,936 |
| Cash and cash equivalents at beginning of period | 999,711 |
| Cash and cash equivalents at end of period | 1,442,647 |
Mechanics Bancorp (MCHB)
Mechanics Bancorp (MCHB)