$RBCAA Cashflow Statement | Understand Stock

$RBCAA

$92.43 -$0.22 (0.23%) Live

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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
OPERATING ACTIVITIES:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization on investment securities and low-income housing investments
Net accretion on loans and amortization of core deposit intangible and operating lease components
Net accretion and amortization on loans and deposits
Unrealized and realized gains on equity securities with a readily determinable fair value
Depreciation of premises and equipment
Amortization of mortgage servicing rights
(Recovery) loss of mortgage servicing rights
Provision for on-balance sheet exposures
Provision for off-balance sheet exposures
Net gain on sale of mortgage loans held for sale
Origination of mortgage loans held for sale
Proceeds from sale of mortgage loans held for sale
Net gain on sale of consumer loans held for sale
Origination of consumer loans held for sale
Proceeds from sale of consumer loans held for sale
Net gain realized on sale of other real estate owned
Writedowns of other real estate owned
Deferred compensation expense - Class A Common Stock
Stock-based awards and ESPP expense - Class A Common Stock
Amortization of right-of-use assets
Net gain on sale of bank premises and equipment
Repayment of operating lease liabilities
Increase in cash surrender value of BOLI
Gain from death benefit received in excess of cash surrender value of BOLI
Gain on sale of Visa Class B-1 shares
Net change in other assets and liabilities:
Accrued interest receivable
Accrued interest payable
Other assets
Other liabilities

Net cash provided by operating activities
INVESTING ACTIVITIES:
Net cash proceeds paid in acquisition
Purchases of available-for-sale debt securities
Purchases of held-to-maturity debt securities
Proceeds from calls, maturities and paydowns of equity and available-for-sale debt securities
Proceeds from calls, maturities and paydowns of held-to-maturity debt securities
Proceeds from sales of available-for-sale debt securities
Net change in outstanding warehouse lines of credit
Purchase of correspondent loans, including premiums paid
Net change in other loans, net of allowance
Proceeds from sale of mortgage loans transferred to held for sale
Proceeds from redemption of Federal Home Loan Bank stock
Net proceeds from sale of consumer loans transferred to held for sale
Net purchases of Federal Home Loan Bank stock
Proceeds from sale of other real estate owned
Proceeds from sale of bank premises and equipment
Purchase of bank owned life insurance, net of death benefits received
Proceeds of principal and earnings from bank-owned life insurance
Proceeds of principal and earnings from BOLI
Proceeds from sale of Visa Class B-1 shares
Investments in low-income housing tax partnerships
Net purchases of premises and equipment
Net cash used in investing activities

FINANCING ACTIVITIES:
Net change in deposits
Net change in securities sold under agreements to repurchase and other short-term borrowings
Payments of Federal Home Loan Bank advances
Proceeds from Federal Home Loan Bank advances
Payoff of subordinated note, net of common security interest
Repurchase of Class A Common Stock
Net proceeds from Class A Common Stock purchased through employee stock purchase plan
Net proceeds from option exercises and equity awards vested - Class A Common Stock
Cash dividends paid
Net cash provided by financing activities

NET CHANGE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS AT END OF PERIOD
SUPPLEMENTAL DISCLOSURES OF CASHFLOW INFORMATION:
Cash paid during the period for:
Interest
Income taxes
SUPPLEMENTAL NONCASH DISCLOSURES:
Mortgage servicing rights capitalized
Transfers from loans to real estate acquired in settlement of loans
Net transfers from loans held for investment to loans held for sale
New unfunded obligations in low-income-housing investments
Right-of-use assets obtained in exchange for new operating lease liabilities
Operating Lease Liabilities Recorded
Premises and equipment obtained through the use of vendor credits

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