$BY Cashflow Statement | Understand Stock

$BY

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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 Loss
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan and lease losses
Provision for credit losses
Impairment loss on premises and equipment
Impairment loss on right-of-use asset
Impairment loss on assets held for sale
Depreciation and amortization of premises and equipment
Net amortization (accretion) of securities
Change in fair value of equity securities, net
Net losses on sales of securities available-for-sale
Net gains on sales or disposals of premises, ROU asset and assets held for sale
Net gains on sales of loans
Net gains on sales of leases
Originations of U.S. government guaranteed loans
Proceeds from U.S. government guaranteed loans sold
Accretion of premiums and discounts on acquired loans, net
Net change in servicing assets
Net losses on sales and valuation adjustments of other real estate owned
Net amortization of other acquisition accounting adjustments
Amortization of subordinated debt issuance cost
Loss on extinguishment of subordinated debt
Accretion of junior subordinated debentures discount
Loss on redemption of junior subordinated debentures
Share-based compensation expense
Deferred tax provision (benefit)
Increase in cash surrender value of bank owned life insurance
Net gain on death benefit of bank owned life insurance
Gain on death benefit of bank owned life insurance
Changes in assets and liabilities:
Accrued interest receivable and other assets
Accrued interest payable and other liabilities

Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available-for-sale
Proceeds from maturities and calls of securities available-for-sale
Proceeds from paydowns of securities available-for-sale
Proceeds from sales of securities available-for-sale
Proceeds from maturities and calls of securities held-to-maturity
Redemptions (purchases) of Federal Home Loan Bank stock, net
Proceeds from other loans and leases sold
Net change in loans and leases
Purchases of premises and equipment
Proceeds from sales of premises and equipment
Proceeds from sales of assets held for sale
Proceeds from sales of other real estate owned
Investment in bank owned life insurance
Proceeds from bank owned life insurance death benefit
Net cash received in acquisition of business
Net cash received in acquisition of a business
Net cash used in investing activities

CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits
Proceeds from short-term borrowings
Repayments of short-term borrowings
Proceeds from revolving line of credit
Repayments of revolving line of credit
Proceeds from term loan
Repayments of term loan
Proceeds from BTFP advances
Repayment of BTFP advances
Proceeds from Paycheck Protection Program Liquidity Facility
Repayments of Paycheck Protection Program Liquidity Facility
Proceeds from subordinated notes
Repayment of junior subordinated debentures
Proceeds from subordinated debt, net of issuance costs
Repayment of subordinated debt
Net change in securities sold under agreements to repurchase
Dividends paid on preferred stock
Dividends paid on common stock
Proceeds from issuance of common stock
Redemption of preferred stock
Repurchase of common stock
Net cash provided by (used in) financing activities

NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS, beginning of period
CASH AND CASH EQUIVALENTS, end of period
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Cash paid during the period for interest
Cash payments during the period for taxes
Cash paid during the period for Federal taxes
Cash paid during the period for Illinois state taxes
Cash paid during the period for New York state taxes
Cash paid during the period for all other state taxes
Total cash payments during the period for taxes
SUPPLEMENTAL DISCLOSURES OF NON-CASH INVESTING AND FINANCING ACTIVITIES:
Reclassification from equity securities to other assets
Transfer of loans to other real estate owned
Transfers of land and premises to assets held for sale
Right of use asset exchanged for operating lease liabilities
Due from counterparties - loans sold, not settled
Common dividend declared, not paid
Common share withholding
Common stock issued due to acquisition of a business
Total assets acquired from acquisition
Value ascribed to goodwill
Total liabilities assumed from acquisition

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