For the year ending 2025-12-31, SSB had $1,780,416K increase in cash & cash equivalents over the period. $230,591K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 798,667 |
| Depreciation and amortization | 157,595 |
| Provision for credit losses | 119,757 |
| Deferred income taxes | 117,752 |
| (gains) losses on sale of securities, net | -228,811 |
| Share-based compensation expense | 37,005 |
| Accretion of discount related to acquired loans | 258,608 |
| Losses (gains) on disposal of premises and equipment | -148 |
| Impairment of lease right of use asset | 4,413 |
| Gains on sale of bank properties held for sale and repossessed real estate | 244,934 |
| Net amortization of premiums and discounts on investment securities | -11,036 |
| Bank properties held for sale and repossessed real estate write downs | 5,733 |
| Premises and equipment write downs | 1,210 |
| Fair value adjustment for loans held for sale | 1,498 |
| Originations and purchases of loans held for sale | 2,101,147 |
| Proceeds from sales of loans held for sale | 1,171,734 |
| Gains on sales of loans held for sale | 21,475 |
| Increase in cash surrender value of boli | 35,888 |
| Accrued interest receivable | 9,541 |
| Prepaid assets | -6,777 |
| Operating leases | 7,409 |
| Bank owned life insurance | 3,870 |
| Trading securities | -826,053 |
| Derivative assets | 54,667 |
| Miscellaneous other assets | 40,633 |
| Accrued interest payable | -29,966 |
| Accrued income taxes | -60,356 |
| Derivative liabilities | -332,795 |
| Miscellaneous other liabilities | -872 |
| Net cash provided by operating activities | 300,846 |
| Proceeds from sales of investment securities available for sale | 2,874,110 |
| Proceeds from maturities and calls of investment securities held to maturity | 202,461 |
| Proceeds from maturities and calls of investment securities available for sale | 3,842,339 |
| Proceeds from sales and redemptions of other investment securities | 45,447 |
| Purchases of investment securities available for sale | 6,944,570 |
| Purchases of other investment securities | 117,369 |
| Net increase in loans | 1,470,813 |
| Net cash received from acquisitions | 1,040,765 |
| Net cash paid for acquisition of customer list | 279 |
| Recoveries of loans previously charged off | 16,998 |
| Purchases of premises and equipment | 70,255 |
| Proceeds from redemption and payout of bank owned life insurance policies | 11,395 |
| Proceeds from sale of bank properties held for sale and repossessed real estate | 589,580 |
| Proceeds from sale of premises and equipment | 997 |
| Net cash provided by (used in) investing activities | 20,806 |
| Net increase in deposits | 1,878,805 |
| Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings | 103,303 |
| Proceeds from borrowings | 1,045,122 |
| Repayment of borrowings | 1,105,000 |
| Common stock issuance | 5,017 |
| Common stock repurchases | 235,820 |
| Dividends paid | 231,303 |
| Excess tax paid on repurchases of corporate stock | 1,832 |
| Stock options exercised | 472 |
| Net cash provided by financing activities | 1,458,764 |
| Net increase (decrease) in cash and cash equivalents | 1,780,416 |
| Cash and cash equivalents at beginning of period | 1,392,067 |
| Cash and cash equivalents at end of period | 3,172,483 |
SouthState Bank Corp (SSB)
SouthState Bank Corp (SSB)