TCBI: the cash flow

Cash Flow Overview

Change in Cash

-$1,089,690K

Free Cash flow

$347,585K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-12-31

Net income

330,244

Provision for credit losses

55,000

Depreciation and amortization

52,166

Net loss on available-for-sale debt securities

-1,886

Debt and equity securities, unrealized gain (loss)

1,170

Sales/(purchases) of trading securities, net

3,924

Stock-based compensation expense

36,759

Proceeds from sales and repayments of loans held for sale

Accrued interest receivable and other assets

57,773

Accrued interest payable and other liabilities

-68,921

Net cash provided by operating activities

360,154

Purchases of available-for-sale debt securities

1,136,644

Proceeds from sales of available-for-sale debt securities

280,402

Proceeds from maturities, redemptions and pay-downs of available-for-sale debt securities

548,227

Proceeds from maturities, redemptions and pay-downs of held-to-maturity debt securities

73,764

Sales/(purchases) of equity securities, net

34,433

Originations of loans held for investment, mortgage finance

98,656,685

Proceeds from pay-offs of loans held for investment, mortgage finance

97,808,240

Net increase in loans held for investment, excluding mortgage finance loans

793,281

Purchase of premises and equipment, net

12,569

Net cash used in investing activities

-1,854,113

Net increase/(decrease) in deposits

1,210,168

Issuance of stock related to stock-based awards

7,364

Preferred stock dividends paid

17,250

Repurchase of common stock

185,850

Net increase/(decrease) in short-term borrowings

-555,000

Redemption of long-term debt

40,435

Net cash provided by/(used in) financing activities

404,269

Net decrease in cash and cash equivalents

-1,089,690

Cash and cash equivalents at beginning of period

3,188,808

Cash and cash equivalents at end of period

2,099,118

Time Plot

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