| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 48,233 | 43,320 |
| Depreciation and net amortization | 8,005 | 5,310 |
| Securities premium amortization (discount accretion), net | -5,708 | -3,562 |
| Loan (discount accretion) premium amortization, net | -660 | -389 |
| Provision for (reversal of) credit losses | 2,472 | 1,380 |
| Stock compensation expense | 2,390 | 1,600 |
| Deferred tax expense (benefit) | -546 | -400 |
| Net (gain) loss on sale of afs securities | -24,949 | -554 |
| Loss on impairment of investments | 0 | - |
| Net loss on premises and equipment | -1,655 | -1,293 |
| Gross proceeds from sales of loans held for sale | 13,050 | 8,332 |
| Gross originations of loans held for sale | 11,601 | 6,814 |
| Net (gain) loss on consumer receivables | 0 | 0 |
| Net (gain) loss on oreo | -109 | -136 |
| Gain on purchase of subordinated notes | 0 | 0 |
| Interest receivable | -11,311 | -1,178 |
| Other assets | -90 | -1,564 |
| Interest payable | 1,648 | 586 |
| Other liabilities | -38,046 | -32,105 |
| Net cash provided by (used in) operating activities | 70,087 | 29,885 |
| Purchases | 594,646 | 256,059 |
| Sales | 411,502 | 120,242 |
| Maturities, calls and principal repayments | 424,932 | 254,464 |
| Maturities, calls and principal repayments | 18,107 | 7,747 |
| Proceeds from redemption of fhlb stock and equity investments | 39,564 | 18,112 |
| Purchases of fhlb stock and equity investments | 15,190 | 8,713 |
| Net loan paydowns (originations) | 105,191 | -59,252 |
| Proceeds from sales of customer receivables | 0 | 0 |
| Purchases of premises and equipment | 13,195 | 10,366 |
| Proceeds from (purchases of) boli | -1,143 | -1,143 |
| Proceeds from sales of premises and equipment | 324 | -288 |
| Net proceeds from sales of oreo | 273 | 0 |
| Proceeds from sales of repossessed assets | 200 | 68 |
| Net cash provided by (used in) investing activities | 167,823 | 185,602 |
| Net change in deposits | 307,291 | -22,321 |
| Net change in other borrowings | 22,931 | 23,398 |
| Proceeds from fhlb borrowings | 3,346,000 | 2,716,000 |
| Repayment of fhlb borrowings | 3,976,577 | 2,936,383 |
| Net proceeds from issuance of subordinated notes | 147,619 | - |
| Purchase/redemption of subordinated notes | 0 | 0 |
| Proceeds from stock option exercises | 693 | 703 |
| Cash paid to tax authority related to tax withholding on share-based awards | 582 | 558 |
| Purchase of common stock | 12,622 | 11,076 |
| Proceeds from the issuance of common stock for dividend reinvestment plan | 739 | 514 |
| Cash dividends paid | 32,651 | 21,830 |
| Net cash provided by (used in) financing activities | -197,159 | -251,553 |
| Net increase (decrease) in cash and cash equivalents | 40,751 | -36,066 |
| Cash and cash equivalents at beginning of period | 426,161 | - |
| Cash and cash equivalents at end of period | 466,912 | - |
SOUTHSIDE BANCSHARES INC (SBSI)
SOUTHSIDE BANCSHARES INC (SBSI)