SNV-PD: the cash flow

Cash Flow Overview

Change in Cash

-$719,780K

Free Cash flow

$419,095K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

608,496

Provision for (reversal of) credit losses

35,855

Depreciation, amortization, and accretion, net

41,795

Deferred income tax expense (benefit)

8,100

Originations of loans held for sale

5,760,855

Proceeds from sales and payments on loans held for sale

5,712,111

Gain on sales of loans held for sale, net

9,236

(increase) decrease in other assets

-138,363

Increase (decrease) in other liabilities

-354,615

Investment securities (gains) losses, net

1,742

Share-based compensation expense

23,649

Net gain on sales of other real estate and other assets held for sale

1,066

Net cash provided by (used in) operating activities

440,855

Proceeds from maturities and principal collections of investment securities held to maturity

180,373

Proceeds from maturities and principal collections of investment securities available for sale

424,674

Proceeds from sales of investment securities available for sale

173,996

Purchases of investment securities available for sale

366,836

Net proceeds from sales of loans

14,379

Net (increase) decrease in loans

1,227,629

Net (purchases) redemptions of federal home loan bank stock

76,271

Net (purchases) redemptions of federal reserve bank stock

315

Net proceeds from settlement (purchases) of bank-owned life insurance policies

11,766

Net increase in premises, equipment and software

21,760

Proceeds from sales of other real estate and other assets held for sale

4,374

Net cash provided by (used in) investing activities

-883,249

Net increase (decrease) in deposits

-1,104,275

Net increase (decrease) in federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings

-69,261

Repayments and redemption of long-term debt

900,000

Proceeds from long-term debt, net

2,150,000

Dividends paid to common shareholders

162,517

Dividends paid to preferred shareholders

34,122

Repurchases of common stock

142,269

Issuances, net of taxes paid, under equity compensation plans

-14,942

Net cash provided by (used in) financing activities

-277,386

Increase (decrease) in cash and cash equivalents including restricted cash

-719,780

Cash and cash equivalents at beginning of period

2,993,987

Cash and cash equivalents at end of period

2,274,207

Time Plot

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