Stellar Bancorp, Inc. Cashflow Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Provision (recapture) for credit losses
Depreciation expense
Amortization of intangibles
Amortization of premiums on securities
Amortization of lease right-to-use assets
Accretion of lease liabilities
Depreciation and intangibles amortization
Net accretion of discount on loans
Net amortization of discount on subordinated debt
Net accretion of discount on certificates of deposit
Net amortization of premium on securities
Provision for (reversal of) credit losses
Deferred income tax (benefit) expense
Net gain on sales of assets
Net (earnings) loss on securities

Loans held for sale
Other assets
Operating lease liabilities
Other liabilities
Total adjustments
Stock-based compensation expense
Net change in operating leases
Bank-owned life insurance income
Federal Reserve Bank and Federal Home Loan Bank stock dividends
Loss (gain) on sale/write-down of assets
Loss on write-down of premises, equipment and other real estate
Excess tax benefit from stock-based compensation
Increase in accrued interest receivable and other assets
(Decrease) increase in accrued interest payable and other liabilities
Net cash provided by operating activities

CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available for sale securities
Proceeds from sales, calls and maturities of securities
Principal repayments of securities
Net decrease in loans
Purchases of loans
Net sale of loan participations
Proceeds from sales of Small Business Administration loans
Net return of capital (contributions) to equity investments
Redemptions of bank-owned life insurance
Net purchases of premises and equipment
Proceeds from sales of repossessed real estate and other assets
Proceeds from maturities and principal paydowns of available for sale securities
Proceeds from sales and calls of available for sale securities
Net change in total loans
Purchase of bank premises and equipment
Proceeds from sale of bank premises, equipment and other real estate
Net (purchase) redemption of Federal Reserve Bank and Federal Home Loan Bank stock
Net cash received in the Merger
Net cash (used in) provided by investing activities

CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in noninterest-bearing deposits
Net increase in interest-bearing deposits
Dividends paid to common shareholders
Payments to tax authorities for stock-based compensation
Proceeds from exercise of stock options
Repayment of subordinated debt
Net change in borrowings
Net paydown in borrowings under credit agreement
Payments made from the issuance of restricted stock and stock option exercises
Repurchase of common stock
Net cash (used in) provided by financing activities
Net increase (decrease) in cash, cash equivalents and restricted cash

NET CHANGE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS, END OF PERIOD
Income taxes paid
Interest paid
Cash paid for operating lease liabilities
Lease right-of-use asset obtained in exchange for lessee operating lease liabilities
Branch assets transferred to assets held for sale
Bank-financed sales of other real estate
Loans transferred to other real estate
Assets and liabilities assumed in the Merger (See Note 2)

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