OBNK: the cash flow

Cash Flow Overview

Change in Cash

$156,660K

Free Cash flow

$111,186K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

45,681

Provision for credit losses

43,126

Depreciation and amortization

13,098

Net amortization on securities

-1,432

Amortization (accretion) of net premium/discount on purchased loans

-64

Amortization of investments in tax credit funds

870

Loss on sale of securities, net

-14,448

Equity method investment loss

-3,051

Deferred income tax benefit

-3,727

Stock-based compensation expense

6,150

Originations of mortgage loans held for sale

116,772

Proceeds from mortgage loans held for sale

129,748

Gain on mortgage loans held for sale

3,273

Msr asset valuation adjustment

Gain on sale of msr asset

Net gain on disposals of premises and equipment

Increase in the cash surrender value of life insurance

888

Employee retention credit received

-1,863

Gain on equity securities without a readily determinable fair value

6,972

Net losses on sales and write-downs of other real estate owned

-737

Net change in operating leases

459

Increase in other assets

19,257

Increase in other liabilities

5,724

Net cash provided by operating activities

115,492

Purchases of securities available for sale

311,893

Maturities and pay downs of securities available for sale

118,704

Proceeds from sales and calls of securities available for sale

232,226

Maturities, pay downs and calls of securities held to maturity

535

Pay downs of securities carried at fair value

315

Redemption of non-marketable equity securities held in other financial institutions

9,658

Purchase of non-marketable equity securities held in other financial institutions

10,354

Originations of mortgage warehouse loans

7,451,654

Proceeds from pay-offs of mortgage warehouse loans

7,327,767

Net decrease (increase) in loans, excluding mortgage warehouse and loans held for sale

-123,269

Purchase of other intangibles

2,500

Proceeds from sale of the msr asset

Proceeds from bank-owned life insurance

-250

Return of capital and other distributions from equity method investments

595

Return of capital and other distributions from cost method investments

Capital calls on limited partnership investments

3,250

Purchase of low-income housing tax credit investments

376

Purchases of premises and equipment

4,306

Proceeds from sales of premises and equipment

111

Proceeds from sales of other real estate owned

3,042

Net cash provided by (used in) investing activities

32,187

Net increase in deposits

108,710

Repayments of long-term fhlb advances

213

Proceeds from short-term fhlb advances

1,365,000

Repayments of short-term fhlb advances

1,365,000

Redemption/repurchase of subordinated debentures

72,593

Repayments of other short-term borrowings

116,724

Proceeds from other short-term borrowings

116,724

Net increase (decrease) in securities sold under agreements to repurchase

543

Dividends paid

14,175

Cash received from exercise of stock options

601

Common stock repurchased

13,892

Net cash provided by financing activities

8,981

Net increase in cash and cash equivalents

156,660

Cash and cash equivalents at beginning of period

470,249

Cash and cash equivalents at end of period

626,909

Time Plot

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

Cash Flow Overview

Change in Cash

$156,660K

Free Cash flow

$111,186K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

45,681

Provision for credit losses

43,126

Depreciation and amortization

13,098

Net amortization on securities

-1,432

Amortization (accretion) of net premium/discount on purchased loans

-64

Amortization of investments in tax credit funds

870

Loss on sale of securities, net

-14,448

Equity method investment loss

-3,051

Deferred income tax benefit

-3,727

Stock-based compensation expense

6,150

Originations of mortgage loans held for sale

116,772

Proceeds from mortgage loans held for sale

129,748

Gain on mortgage loans held for sale

3,273

Msr asset valuation adjustment

Gain on sale of msr asset

Net gain on disposals of premises and equipment

Increase in the cash surrender value of life insurance

888

Employee retention credit received

-1,863

Gain on equity securities without a readily determinable fair value

6,972

Net losses on sales and write-downs of other real estate owned

-737

Net change in operating leases

459

Increase in other assets

19,257

Increase in other liabilities

5,724

Net cash provided by operating activities

115,492

Purchases of securities available for sale

311,893

Maturities and pay downs of securities available for sale

118,704

Proceeds from sales and calls of securities available for sale

232,226

Maturities, pay downs and calls of securities held to maturity

535

Pay downs of securities carried at fair value

315

Redemption of non-marketable equity securities held in other financial institutions

9,658

Purchase of non-marketable equity securities held in other financial institutions

10,354

Originations of mortgage warehouse loans

7,451,654

Proceeds from pay-offs of mortgage warehouse loans

7,327,767

Net decrease (increase) in loans, excluding mortgage warehouse and loans held for sale

-123,269

Purchase of other intangibles

2,500

Proceeds from sale of the msr asset

Proceeds from bank-owned life insurance

-250

Return of capital and other distributions from equity method investments

595

Return of capital and other distributions from cost method investments

Capital calls on limited partnership investments

3,250

Purchase of low-income housing tax credit investments

376

Purchases of premises and equipment

4,306

Proceeds from sales of premises and equipment

111

Proceeds from sales of other real estate owned

3,042

Net cash provided by (used in) investing activities

32,187

Net increase in deposits

108,710

Repayments of long-term fhlb advances

213

Proceeds from short-term fhlb advances

1,365,000

Repayments of short-term fhlb advances

1,365,000

Redemption/repurchase of subordinated debentures

72,593

Repayments of other short-term borrowings

116,724

Proceeds from other short-term borrowings

116,724

Net increase (decrease) in securities sold under agreements to repurchase

543

Dividends paid

14,175

Cash received from exercise of stock options

601

Common stock repurchased

13,892

Net cash provided by financing activities

8,981

Net increase in cash and cash equivalents

156,660

Cash and cash equivalents at beginning of period

470,249

Cash and cash equivalents at end of period

626,909

Time Plot

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