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Cash Flow Overview
Free Cash flow
$45,063K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Principal repayment of loans
Deposits
Proceeds From Maturities Prepaym...
Others
Negative Cash Flow Breakdown
Origination and purchase of loan...
Accrued expenses and other liabi...
Originations and purchases of lo...
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 interest income
157,299
153,813
152,744
455,723
(provision for) recapture of credit losses
13,006
22,483
31,889
28,258
Non-interest income, net
33,023
32,167
31,576
91,400
Compensation and employee benefits
41,176
41,347
43,093
119,333
Electronic banking charges
12,230
8,604
12,475
34,602
Information technology expenses
7,117
6,597
7,035
19,771
Professional and service fees
4,839
6,214
8,438
15,267
Loan servicing and clearing expenses
2,497
2,564
2,451
6,694
Occupancy, equipment and infrastructure costs
9,416
8,598
10,329
28,994
Depreciation and amortization of premises and equipment
4,857
4,820
5,009
15,449
Amortization of other intangibles assets
231
231
289
865
Intersegment expenses
0
0
0
0
Other
20,469
15,728
15,892
43,827
Total non-interest expense
102,832
94,703
105,011
284,802
Income before income taxes
74,484
68,794
47,420
186,697
Income tax expense
15,707
14,857
-8,473
37,487
Net income
58,777
53,937
55,893
51,837
Amortization of deferred loan origination (fees), net of costs, and accretion of fair value discounts on loans
1,444
-479
95
-316
Accretion of investment securities discounts, net of amortization of premiums
403
390
751
277
Amortization of other intangible assets
985
985
1,232
1,232
Net change in operating leases
-77
-83
-91
-83
Depreciation and amortization of premises and equipment
4,857
4,820
5,010
5,278
Deferred income tax benefit, net
8,413
-12,280
-149,461
-2,994
Provision for credit losses
13,006
22,483
31,889
28,258
Stock-based compensation
1,610
1,386
1,623
1,462
Sale of securities
-
-
0
0
Sale of loans
58
-108
2,491
468
Foreclosed real estate and other repossessed assets
625
546
361
1,452
Sale of other assets
-5
-
1,077
0
Disposals of other assets
-
-
-6,108
-
Originations and purchases of loans held-for-sale
22,024
23,300
34,742
30,070
Proceeds from sale of loans held-for-sale
63,102
3,889
15,925
8,560
Accrued interest receivable
468
-1,432
-500
-2,218
Servicing assets
639
895
-1,104
-1,151
Other assets
20,413
1,208
-124,564
26,533
Accrued interest on deposits and borrowings
-632
-645
1,209
618
Accrued expenses and other liabilities
-50,777
22,949
3,226
449
Net cash provided by operating activities
53,195
73,121
59,214
39,502
Payments To Acquire Available For Sale Securities Debt
-1
51,292
174,056
202,534
Investment securities held-to-maturity
-
-
0
-
Mortgage servicing rights
-
-
0
0
Payments For Proceeds From Federal Home Loan Bank Stock
5,175
9,000
0
0
Equity securities
1,206
944
832
2,350
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
101,351
105,823
264,003
92,170
Investment securities held-to-maturity
5,751
4,830
5,519
5,926
Proceeds From Maturities Prepayments And Calls Of Other Investments
5,246
9,000
0
0
Investment securities available-for-sale
-
-
0
0
Foreclosed real estate and other repossessed assets, including write-offs
12,312
13,442
13,669
12,647
Loans held-for-investment
-
-
13,755
-
Premises and equipment
17
-
1,423
0
Origination and purchase of loans, excluding loans held-for-sale
1,146,021
770,044
916,364
733,275
Principal repayment of loans
983,597
701,149
826,656
771,323
Additions to premises and equipment
8,132
4,356
5,897
3,986
Net cash used in investing activities
-52,259
-1,392
27,876
-60,079
Deposits
123,258
-415,651
266,354
-129,638
Securities sold under agreements to repurchase
0
0
0
72,657
Fhlb advances and other borrowings
0
-9
9
0
Exercise of stock options and restricted units lapsed, net of employee awards repurchased
-99
-2,372
0
1
Purchase of treasury stock
0
44,473
40,110
20,399
Dividends paid on common stock
14,888
13,060
13,357
13,493
Net cash (used in) provided by financing activities
108,271
-475,565
212,896
-90,872
Net change in cash and cash equivalents
109,207
-403,836
299,986
-111,449
Cash and cash equivalents at beginning of period
636,499
1,040,335
740,349
591,137
Cash and cash equivalents at end of period
745,706
-
-
-
Cash and due from banks
740,450
-
-
-
Money market investments
5,256
-
-
-
Total cash and cash equivalents at end of period
745,706
636,499
1,040,335
740,349
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
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Cash Flow
Net interest income
$157,299K
Non-interest income, net
$33,023K
Income before income
taxes
$74,484K
Canceled cashflow
$115,838K
Deposits
$123,258K
(-76.53%↓ Y/Y)
Proceeds from sale of
loans held-for-sale
$63,102K
(147.52%↑ Y/Y)
Net income
$58,777K
(-39.64%↓ Y/Y)
Provision for credit
losses
$13,006K
(-72.54%↓ Y/Y)
Deferred income tax
benefit, net
$8,413K
(790.72%↑ Y/Y)
Depreciation and
amortization of premises and...
$4,857K
(-52.24%↓ Y/Y)
Stock-based compensation
$1,610K
(-48.89%↓ Y/Y)
Amortization of other
intangible assets
$985K
(-60.02%↓ Y/Y)
Sale of other assets
-$5K
Canceled cashflow
$15,707K
Total non-interest
expense
$102,832K
(provision for) recapture
of credit losses
$13,006K
(-72.54%↓ Y/Y)
Net cash (used in)
provided by financing...
$108,271K
(-80.24%↓ Y/Y)
Net cash provided by
operating activities
$53,195K
(-55.30%↓ Y/Y)
Canceled cashflow
$14,987K
Canceled cashflow
$97,560K
Income tax expense
$15,707K
Compensation and employee
benefits
$41,176K
Other
$20,469K
Electronic banking charges
$12,230K
Occupancy, equipment and
infrastructure costs
$9,416K
Information technology
expenses
$7,117K
Depreciation and
amortization of premises and...
$4,857K
(-52.24%↓ Y/Y)
Professional and service fees
$4,839K
Loan servicing and
clearing expenses
$2,497K
Amortization of other
intangibles assets
$231K
Net change in cash
and cash...
$109,207K
(-58.10%↓ Y/Y)
Canceled cashflow
$52,259K
Dividends paid on common
stock
$14,888K
(-40.51%↓ Y/Y)
Exercise of stock options
and restricted...
-$99K
(97.19%↑ Y/Y)
Accrued expenses and
other liabilities
-$50,777K
(-217.43%↓ Y/Y)
Originations and purchases of
loans held-for-sale
$22,024K
(-67.12%↓ Y/Y)
Other assets
$20,413K
(-51.58%↓ Y/Y)
Amortization of deferred loan
origination (fees), net of...
$1,444K
(345.58%↑ Y/Y)
Servicing assets
$639K
(134.60%↑ Y/Y)
Accrued interest on
deposits and borrowings
-$632K
(-139.04%↓ Y/Y)
Foreclosed real estate and
other repossessed...
$625K
(67.11%↑ Y/Y)
Accrued interest
receivable
$468K
(-77.78%↓ Y/Y)
Accretion of investment
securities discounts, net...
$403K
(55.60%↑ Y/Y)
Net change in
operating leases
-$77K
(36.36%↑ Y/Y)
Sale of loans
$58K
(-94.62%↓ Y/Y)
Principal repayment of
loans
$983,597K
(-27.80%↓ Y/Y)
Proceeds From Maturities
Prepayments And Calls Of...
$101,351K
(-40.35%↓ Y/Y)
Foreclosed real estate and
other repossessed...
$12,312K
(-55.36%↓ Y/Y)
Investment securities
held-to-maturity
$5,751K
(-46.29%↓ Y/Y)
Proceeds From Maturities
Prepayments And Calls Of...
$5,246K
(-80.73%↓ Y/Y)
Premises and equipment
$17K
Payments To Acquire
Available For Sale...
-$1K
(-100.00%↓ Y/Y)
Net cash used in
investing activities
-$52,259K
(87.13%↑ Y/Y)
Canceled cashflow
$1,108,275K
Origination and purchase of
loans, excluding loans...
$1,146,021K
(-36.81%↓ Y/Y)
Additions to premises and
equipment
$8,132K
(-4.32%↓ Y/Y)
Payments For Proceeds
From Federal Home...
$5,175K
(-82.96%↓ Y/Y)
Equity securities
$1,206K
(-20.61%↓ Y/Y)
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