For the year ending 2025-12-31, MCHB had $30,272K increase in cash & cash equivalents over the period. $187,079K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 265,739 |
| Provision (reversal of provision) for credit losses on loans | 20,503 |
| Originations of loans held for sale and principal collections, net | 121,914 |
| Proceeds from sales of loans held for sale | 158,383 |
| Net fair value adjustment and gain on sale of loans held for sale | -2,324 |
| Ending balance | -987 |
| Amortization of premiums and discounts on investment securities | -1,384 |
| Depreciation of premises and equipment | 10,620 |
| Amortization of intangible assets | 17,134 |
| Amortization of premiums and discounts on debt and deposits | 2,378 |
| Net loss on debt extinguishment | -835 |
| Share-based compensation expense | 5,592 |
| Increase in cash surrender value of bank-owned life insurance | 4,405 |
| Net (gain) loss on sales and calls of investment securities | 4,568 |
| Net loss on sale, disposal and write-down of other real estate owned | -2,314 |
| Net loss (gain) on sale and disposal of premises and equipment | -100 |
| Deferred income tax expense | 11,011 |
| Amortization of deferred loan fees and costs | -12,127 |
| Amortization of premiums and discounts on purchased loans | 22,749 |
| Origination, amortization and change in fair value of msrs, net | 3,702 |
| Net decrease in trading securities | -593 |
| Bargain purchase gain | 145,460 |
| Interest receivable and other assets | -77,341 |
| Interest payable and other liabilities | -93,757 |
| Net cash provided by operating activities | 193,592 |
| Purchases | 1,207,659 |
| Sales | 931,767 |
| Available For Sale | 415,666 |
| Held To Maturity | 104,286 |
| Loan originations and principal collections, net | 1,074,749 |
| Purchases of loans | 46,164 |
| Recoveries of loans charged-off | 12,533 |
| Proceeds from sales of loans | 39,204 |
| Proceeds from the settlement of bank-owned life insurance | 6,779 |
| Proceeds from sales of other real estate owned | 13,303 |
| Proceeds from sales of premises and equipment | 887 |
| Purchases of premises and equipment | 6,513 |
| Proceeds from sale of federal home loan bank stock | 49,875 |
| Net cash acquired in merger | 156,890 |
| Net cash provided by investing activities | 1,545,603 |
| Net decrease in deposits | -660,362 |
| Repayment of long-term fhlb advances | 1,000,000 |
| Net decrease in bank term funding | 0 |
| Repayment of subordinated debt | 0 |
| Cash dividends paid | 48,561 |
| Net cash used by financing activities | -1,708,923 |
| Net increase (decrease) in cash and cash equivalents | 30,272 |
| Cash and cash equivalents at beginning of period | 999,711 |
| Cash and cash equivalents at end of period | 1,029,983 |
Mechanics Bancorp (MCHB)
Mechanics Bancorp (MCHB)