ONBPP: the cash flow

Cash Flow Overview

Change in Cash

$598,209K

Free Cash flow

$637,408K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-12-31

Net income

669,257

Depreciation

44,943

Amortization of other intangible assets

78,660

Amortization of tax credit investments

-26,118

Net (discount accretion) premium amortization

140,610

Share-based compensation expense

38,214

Provision for credit losses

197,721

Debt securities (gains) losses, net

-37

Gain on sale of visa class b restricted shares

Net (gains) losses on sales of loans and other assets

11,271

Increase in cash surrender value of company-owned life insurance

26,670

Residential real estate loans originated for sale

1,217,430

Proceeds from sales of residential real estate loans

1,221,488

(increase) decrease in interest receivable

61,389

(increase) decrease in other assets

-33,250

Increase (decrease) in accrued expenses and other liabilities

-170,846

Net cash flows provided by (used in) operating activities

681,472

Cash received from merger, net

135,124

Purchases of investment securities available-for-sale

4,636,828

Purchases of investment securities held-to-maturity

Purchases of federal home loan bank/federal reserve bank stock

93,327

Purchases of equity securities

7,723

Proceeds from maturities, prepayments, and calls of investment securities available-for-sale

1,796,946

Proceeds from sales of investment securities available-for-sale

2,082,053

Proceeds from maturities, prepayments, and calls of investment securities held-to-maturity

71,937

Proceeds from sales of federal home loan bank/federal reserve bank stock

72,373

Proceeds from sales of equity securities

6,004

Loan originations and payments, net

1,332,344

Proceeds from sales of commercial loans

95,298

Proceeds from company-owned life insurance death benefits

17,377

Proceeds from sale of premises and equipment and other assets

2,368

Purchases of premises and equipment and other assets

44,064

Net cash flows provided by (used in) investing activities

-1,834,806

Deposits

1,402,277

Federal funds purchased and interbank borrowings

-99,812

Securities sold under agreements to repurchase

-56,740

Other borrowings

-47,130

Payments for maturities of federal home loan bank advances

2,520,285

Proceeds from federal home loan bank advances

2,726,200

Cash dividends paid

225,117

Common stock repurchased

71,799

Common stock issued for espp

1,089

Common stock issued for forward sale agreements

443,236

Net cash flows provided by (used in) financing activities

1,751,543

Net increase (decrease) in cash and cash equivalents

598,209

Cash and cash equivalents at beginning of period

1,227,968

Cash and cash equivalents at end of period

1,826,177

Time Plot

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