Mechanics Bancorp (MCHB)

Mechanics Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	193.1	29	201.91	216.58	206.01	93.46
Depreciation & Amortization	22.93	22.82	27.99	31.66	38.21	45.3
Other Amortization	13.79	19.31	30.95	36.22	-16.83	0.04
Gain (Loss) on Sale of Assets	3.81	0.63	-0.72	-0.03	-4.37	0.06
Gain (Loss) on Sale of Investments	-1.36	213.95	16.33	34.65	40.51	34.03
Total Asset Writedown	-	-	-	-	-	1.46
Provision for Credit Losses	38.28	-1.51	0.75	26.63	20.88	113.08
Net Decrease (Increase) in Loans Originated / Sold - Operating	-14.32	-0.05	-0.42	0.52	-0.08	1.97
Accrued Interest Receivable	43.88	-9.15	-14	-12.12	77.32	-43.8
Other Operating Activities	-106.16	2.33	-3.98	-6.73	-17.57	-63.53
Operating Cash Flow	154.58	292.26	266	318.18	295.26	212.47
Operating Cash Flow Growth	-41.89%	9.87%	-16.40%	7.76%	38.96%	-57.71%
Capital Expenditures	-5.49	-6.37	-6.87	-9.49	-7.24	-7.9
Sale of Property, Plant and Equipment	0.89	2.62	2.49	1.26	20.09	2.2
Cash Acquisitions	156.89	-	-	-	-	-
Investment in Securities	351.78	-597.45	478.15	1,363	-825.72	-835.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	940.02	1,074	1,171	-1,098	132.93	-979.57
Other Investing Activities	57.15	1.65	28.34	0.11	0.2	0.17
Investing Cash Flow	1,517	476.21	1,673	258.06	-665.44	-1,818
Short-Term Debt Issued	-	-	-	260	-	-
Long-Term Debt Issued	-	-	750	-	-	-
Total Debt Issued	-	-	750	260	-	-
Short-Term Debt Repaid	-	-	-260	-	-3.31	-21.31
Long-Term Debt Repaid	-	-775	-	-	-	-
Total Debt Repaid	-1,007	-775	-260	-	-3.31	-21.31
Net Debt Issued (Repaid)	-1,007	-775	490	260	-3.31	-21.31
Common Dividends Paid	-	-94.99	-105.84	-235.04	-216.99	-
Net Increase (Decrease) in Deposit Accounts	-399.46	-356.34	-1,198	-1,271	420.02	1,753
Financing Cash Flow	-1,407	-1,226	-813.45	-1,246	199.71	1,731
Net Cash Flow	264.49	-457.86	1,126	-669.67	-170.47	126.32
Free Cash Flow	149.09	285.89	259.14	308.7	288.02	204.58
Free Cash Flow Growth	-42.47%	10.33%	-16.05%	7.18%	40.79%	-58.33%
Free Cash Flow Margin	26.31%	74.93%	40.70%	46.19%	42.93%	38.40%
Free Cash Flow Per Share	0.70	1.35	1.22	1.46	1.36	0.96
Cash Interest Paid	198.28	217.39	150.51	19.62	12.05	36.38
Cash Income Tax Paid	31.28	3.56	58.46	77.26	81.05	56.6

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.