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Cash Flow Overview

Free Cash flow
$30,809K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of consumer l...
    • Proceeds from calls, maturities ...
    • Net change in outstanding wareho...
    • Others
Negative Cash Flow Breakdown
    • Purchases of available-for-sale ...
    • Origination of consumer loans he...
    • Origination of mortgage loans he...
    • Others
Cash Flow
2025-09-30
2025-06-30
Net income
29,744
78,752
Net amortization on investment securities and low-income housing investments
2,110
4,269
Net accretion and amortization on loans and deposits
-1,052
-1,947
Unrealized and realized gains on equity securities with readily determinable fair value
189
63
Depreciation of premises and equipment
1,529
3,540
Amortization of mortgage servicing rights
479
827
Provision for on-balance sheet exposures
2,023
19,495
Provision for off-balance sheet exposures
-20
10
Net gain on sale of mortgage loans held for sale
1,710
2,894
Origination of mortgage loans held for sale
59,494
93,021
Proceeds from sale of mortgage loans held for sale
54,716
95,377
Net gain on sale of consumer loans held for sale
4,106
7,100
Origination of consumer loans held for sale
271,718
587,778
Proceeds from sale of consumer loans held for sale
278,908
590,673
Writedowns of other real estate owned
52
106
Deferred compensation expense - class a common stock
282
380
Stock-based awards and espp expense - class a common stock
446
1,075
Amortization of right-of-use assets
1,541
3,049
Repayment of operating lease liabilities
1,520
2,985
Increase in cash surrender value of bank owned life insurance
1,035
1,614
Gain on sale of visa class b-1 shares
4,090
-
Accrued interest receivable
18
651
Accrued interest payable
6
-676
Other assets
3,986
5,085
Other liabilities
10,382
7,899
Net cash provided by operating activities
33,280
101,638
Purchases of available-for-sale debt securities
317,373
318,782
Proceeds from calls, maturities and paydowns of equity and available-for-sale debt securities
183,182
205,765
Proceeds from calls, maturities and paydowns of held-to-maturity debt securities
324
5,344
Net change in outstanding warehouse lines of credit
-61,947
121,013
Net change in other loans, net of allowance
-26,674
-154,886
Net proceeds from sale of consumer loans transferred to held for sale
0
5,305
Purchases of federal home loan bank stock
1,281
90
Proceeds from sale of visa class b-1 shares
4,090
-
Investments in low-income housing tax partnerships
8,969
10,085
Net purchases of premises and equipment
2,471
4,909
Net cash (used in) provided by investing activities
-53,877
-83,579
Net change in deposits
21,106
106,693
Net change in securities sold under agreements to repurchase and other short-term borrowings
2,419
-31,215
Payments of federal home loan bank advances
0
503,000
Proceeds from federal home loan bank advances
5,000
478,000
Repurchase of class a common stock
0
72
Net proceeds from class a common stock purchased through employee stock purchase plan
138
313
Net proceeds from option exercises and equity awards vested - class a common stock
43
365
Cash dividends paid
8,679
16,486
Net cash (used in) provided by financing activities
20,027
34,598
Net change in cash and cash equivalents
-570
52,657
Cash and cash equivalents at beginning of period
432,151
-
Cash and cash equivalents at end of period
484,238
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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

Cash Flow

Proceeds from sale ofconsumer loans held for...$278,908K Net change indeposits$21,106K Proceeds from sale ofmortgage loans held for...$54,716K Net income$29,744K Other liabilities$10,382K Net amortization oninvestment securities and...$2,110K Provision for on-balancesheet exposures$2,023K Amortization of right-of-useassets$1,541K Depreciation of premises andequipment$1,529K Amortization of mortgageservicing rights$479K Stock-based awards and esppexpense - class a common...$446K Deferred compensationexpense - class a common...$282K Writedowns of other realestate owned$52K Accrued interestpayable$6K Proceeds from federalhome loan bank...$5,000K Net change insecurities sold under...$2,419K Net proceeds fromclass a common stock...$138K Net proceeds fromoption exercises and...$43K Net cash provided byoperating activities$33,280K Net cash (used in)provided by financing...$20,027K Canceled cashflow$348,938K Canceled cashflow$8,679K Net change in cashand cash...-$570K Canceled cashflow$53,307K Proceeds from calls,maturities and paydowns of...$183,182K Net change inoutstanding warehouse lines...-$61,947K Net change in otherloans, net of allowance-$26,674K Proceeds from sale of visaclass b-1 shares$4,090K Proceeds from calls,maturities and paydowns of...$324K Origination of consumerloans held for sale$271,718K Origination of mortgageloans held for sale$59,494K Net gain on sale ofconsumer loans held for...$4,106K Gain on sale of visaclass b-1 shares$4,090K Other assets$3,986K Net gain on sale ofmortgage loans held for...$1,710K Repayment of operatinglease liabilities$1,520K Net accretion andamortization on loans and...-$1,052K Increase in cashsurrender value of bank...$1,035K Unrealized and realizedgains on equity...$189K Provision for off-balancesheet exposures-$20K Accrued interestreceivable$18K Cash dividends paid$8,679K Net cash (used in)provided by investing...-$53,877K Canceled cashflow$276,217K Purchases ofavailable-for-sale debt securities$317,373K Investments in low-incomehousing tax...$8,969K Net purchases ofpremises and equipment$2,471K Purchases of federal homeloan bank stock$1,281K

REPUBLIC BANCORP INC KY (RBCAA)

REPUBLIC BANCORP INC KY (RBCAA)