SNV: the cash flow

Cash Flow Overview

Change in Cash

-$578,109K

Free Cash flow

$198,654K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net income

196,505

411,991

Provision for (reversal of) credit losses

21,689

14,166

Depreciation, amortization, and accretion, net

16,722

25,073

Deferred income tax expense (benefit)

-1,195

9,295

Originations of loans held for sale

2,204,773

3,556,082

Proceeds from sales and payments on loans held for sale

2,213,434

3,498,677

Gain on sales of loans held for sale, net

3,435

5,801

(increase) decrease in other assets

89,181

-227,544

Increase (decrease) in other liabilities

50,369

-404,984

Investment securities (gains) losses, net

1,742

Share-based compensation expense

8,042

15,607

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

711

355

Net cash provided by (used in) operating activities

205,724

235,131

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

69,863

110,510

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

153,859

270,815

Proceeds from sales of investment securities available for sale

173,996

Purchases of investment securities available for sale

42,532

324,304

Net proceeds from sales of loans

5,094

9,285

Net (increase) decrease in loans

257,977

969,652

Net (purchases) redemptions of federal home loan bank stock

-26,125

102,396

Net (purchases) redemptions of federal reserve bank stock

230

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

4,233

7,533

Net increase in premises, equipment and software

7,070

14,690

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

1,840

2,534

Net cash provided by (used in) investing activities

127,201

-1,010,450

Net increase (decrease) in deposits

77,666

-1,181,941

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

-22,860

-46,401

Repayments and redemption of long-term debt

900,000

Proceeds from long-term debt, net

2,150,000

Dividends paid to common shareholders

54,124

108,393

Dividends paid to preferred shareholders

11,404

22,718

Repurchases of common stock

-17

142,286

Issuances, net of taxes paid, under equity compensation plans

-329

-14,613

Net cash provided by (used in) financing activities

-911,034

633,648

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

-578,109

-141,671

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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