MBIN Stock Cash Flow Statements

Merchants Bancorp Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Merchants Bancorp Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31

operating activities:
net income	37,981,000	58,239,000	95,666,000	61,273,000	76,393,000	87,054,000	77,473,000	81,504,000	65,302,000	54,955,000	57,156,000	58,488,000	53,935,000	50,142,000	55,201,000	58,503,000	51,417,000	61,983,000	59,786,000	55,002,000	41,162,000	24,583,000	30,061,000	20,259,000	16,439,000	10,570,000	15,422,000	16,739,000	15,652,000	15,061,000	20,329,000
adjustments to reconcile net income to net cash from operating activities:
depreciation	770,000	770,000	760,000	783,000	746,000	725,000	733,000	734,000	699,000	686,000	653,000	628,000	613,000	591,000	575,000	555,000	557,000	504,000	487,000	494,000	462,000	453,000	416,000	151,000	148,000	137,000	125,000	123,000	110,000	103,000	95,000
benefit from credit losses	53,027,000	7,727,000	2,689,000	6,898,000	9,965,000	4,726,000	6,747,000	4,014,000	22,603,000	6,867,000	6,407,000	2,225,000	6,212,000	2,451,000
loss on sale of securities			0	0	0	108,000
gain on sale of loans	-23,342,000	-11,619,000	-25,020,000	-16,731,000	-11,168,000	-9,356,000	-19,342,000	-10,758,000	-11,350,000	-6,733,000	-11,267,000	-13,354,000	-21,564,000	-17,965,000	-28,430,000	-29,013,000	-25,122,000	-28,620,000	-28,830,000	-29,498,000	-17,084,000	-21,166,000	-15,352,000	-8,312,000	-9,104,000	-2,643,000	-11,718,000	-8,825,000	-7,831,000	-10,892,000	-9,977,000
proceeds from sales of loans	10,138,606,000	8,012,025,000	8,937,959,000	8,542,409,000	7,194,332,000	4,694,759,000	6,583,853,000	7,163,845,000	5,031,677,000	3,356,860,000	4,284,640,000	6,997,097,000	6,277,046,000	8,214,273,000	16,955,521,000	14,187,720,000	13,114,424,000	16,974,055,000	20,729,673,000	29,797,500,000	22,395,024,000	10,866,020,000	12,309,071,000	10,435,678,000	6,318,798,000	3,729,430,000	4,640,130,000	1,889,846,000	7,476,700,000	4,020,784,000	4,117,950,000
loans and participations originated and purchased for sale	-10,306,689,000	-7,948,208,000	-8,934,521,000	-8,872,248,000	-7,182,320,000	-5,078,607,000	-6,257,457,000	-7,554,842,000	-5,226,254,000	-3,674,484,000	-5,132,973,000	-6,290,993,000	-6,739,987,000	-7,178,991,000	-16,718,886,000	-14,698,889,000	-13,128,054,000	-16,636,332,000	-20,462,359,000	-29,216,600,000	-23,462,647,000	-11,551,090,000	-11,891,899,000	-11,009,144,000	-7,347,796,000	-3,776,827,000	-4,457,874,000	-1,933,907,000	-7,342,139,000	-4,098,115,000	-4,308,459,000
proceeds from sale of low-income housing tax credits	9,367,000	410,000	-27,276,000	25,479,000	1,703,000	25,861,000	-13,747,000	3,277,000	11,134,000	8,670,000	5,048,000
purchases of low-income housing tax credits for sale	-15,682,000	-7,305,000	-40,011,000	-23,900,000	-10,993,000	-21,113,000	-23,577,000	-13,989,000	-22,185,000	-7,932,000	-17,577,000	-12,293,000	-3,178,000	-6,651,000
change in servicing rights for paydowns and fair value adjustments	1,988,000	3,562,000	-7,235,000	8,819,000	-2,815,000	-11,577,000	9,788,000	-9,986,000	-1,297,000	4,554,000	3,198,000	-2,607,000	-4,471,000	-4,896,000	3,770,000
net change in:
mortgage loans in process of securitization	-12,630,000	38,409,000	2,760,000	-221,722,000	-66,615,000	-32,030,000	365,448,000	-177,140,000	-101,833,000	-42,880,000	-16,746,000	185,598,000	1,234,000	244,959,000	64,788,000	-172,113,000	-29,851,000	-93,330,000	35,988,000	144,067,000
other assets and receivables	-25,879,000	11,660,000	-4,269,000	-8,019,000	49,693,000	-58,186,000	-71,798,000	23,850,000	-29,117,000	-8,116,000	-16,306,000	-3,220,000	-2,413,000	-15,325,000	-5,407,000	2,863,000	-8,137,000	4,065,000	4,161,000	-3,205,000	315,000	-17,686,000	1,176,000	1,650,000	-9,188,000	2,699,000	-5,305,000	-446,000	-865,000	-3,407,000	-3,000
other liabilities	14,152,000	-16,017,000	-20,628,000	2,055,000	-9,003,000	14,595,000	51,502,000	-38,280,000	20,687,000	7,607,000	-29,852,000	32,241,000	10,359,000	8,030,000	816,000	-9,064,000	-3,573,000	15,644,000	-9,906,000	9,106,000	-6,614,000	9,822,000	14,067,000	-2,168,000	10,214,000	1,933,000	-22,000	1,581,000	-6,058,000	7,918,000	-4,700,000
other	7,179,000	-1,615,000	4,519,000	2,256,000	1,201,000	-731,000	7,191,000	17,000	-1,553,000	-1,587,000	4,746,000	-3,225,000	1,359,000	-988,000	5,563,000	-74,000	-497,000	-409,000	265,000	-281,000	849,000	1,379,000	1,481,000	1,536,000	1,915,000	798,000	2,942,000	370,000	371,000	309,000	769,000
net cash from operating activities	-121,152,000	148,038,000	-9,977,000	-492,648,000	51,119,000	-383,772,000	714,372,000	-527,754,000	-241,487,000	-301,533,000	-858,142,000	959,141,000	-420,855,000	1,295,630,000			-25,178,000	295,793,000	333,338,000			-871,615,000	408,004,000	-681,640,000	-986,106,000	2,739,000	98,812,000	27,215,000	201,326,000	-123,763,000	-207,555,000
investing activities:
net change in securities purchased under agreements to resell	11,000	9,000	1,720,000	25,000	25,000	20,000	36,000	27,000	26,000	26,000	33,000	23,000	1,278,000	1,090,000	35,000	584,000	37,000	36,000	36,000	35,000	34,000	38,000	37,000	38,000	40,000	37,000	38,000	41,000	48,000	41,000	37,000
purchases of securities available for sale	-181,504,000	-162,999,000	-282,628,000	-198,827,000	-108,826,000	-193,957,000	-660,198,000	-118,156,000	-160,271,000	-353,249,000
purchases of securities held to maturity			0	0			-283,482,000	-5,525,000	-2,721,000	-1,540,000
purchases of mortgage servicing rights																											-5,523,000	0	-463,000	-327,000	0
proceeds from the sale of securities available for sale			0	0	0	9,983,000	0	1,384,000
proceeds from calls, maturities and paydowns of securities available for sale	202,790,000	189,000,000	233,580,000	280,916,000	151,255,000	231,585,000	149,607,000	144,831,000	194,332,000	832,000
proceeds from calls, maturities and paydowns of securities held to maturity	58,120,000	58,453,000	90,406,000	70,669,000	39,326,000	29,050,000	92,067,000	54,740,000	45,539,000	15,783,000
purchases of loans	-10,537,000	-19,871,000	-23,657,000	-16,495,000	-40,741,000	-27,727,000	-29,448,000	-59,159,000	-171,064,000	-98,791,000	-262,061,000	-196,497,000	-51,861,000	-40,672,000	-56,156,000	-62,314,000	-113,130,000	-137,548,000	-149,462,000	-131,387,000	-72,340,000	-32,631,000	-25,454,000	-28,024,000	-19,591,000	-14,233,000	-26,746,000	-34,335,000	-43,611,000	-34,273,000	-32,102,000
net change in loans receivable	-462,421,000	-40,937,000	-25,063,000	99,440,000	-193,176,000	-552,568,000	-218,559,000	-23,832,000	-1,126,893,000	-678,522,000	-254,064,000	-476,465,000	-1,011,717,000	-187,323,000	-333,647,000	110,570,000	-47,648,000	-79,162,000	-504,427,000	-594,588,000	-560,582,000	-459,617,000	-247,193,000	-367,867,000	-160,470,000	-109,620,000	-80,202,000	-48,806,000	-218,002,000	-137,092,000	-134,255,000
proceeds from loans held for sale previously classified as loans receivable			7,500,000	68,831,000	0	1,600,000
purchase of fhlb stock	0	-46,000	-33,754,000	-86,550,000	-3,285,000	-16,031,000	-359,000				0	0			-3,821,000	0				-17,999,000
proceeds from sale of fhlb stock			0	-1,000	1,000	394,000					0	0	0	784,000
purchases of premises and equipment	-4,499,000	-6,859,000	-6,275,000	-4,526,000	-5,284,000	-2,306,000	-4,069,000	-516,000	-1,902,000	-1,041,000	-583,000	-1,065,000	-1,174,000	-3,939,000	-364,000	-595,000	-682,000	-2,004,000	-2,193,000	-394,000	-442,000	-594,000	-1,710,000	-2,625,000	-5,442,000	-4,206,000	-3,755,000	-2,395,000	-1,990,000	-1,055,000	-34,000
purchase of limited partnership interests	-15,783,000	-19,427,000	-10,292,000	-2,521,000	-6,331,000	-4,157,000		0	-66,421,000	-4,580,000	28,120,000	-29,485,000	-6,648,000	-6,577,000								-1,090,000					-805,000	-1,299,000	-1,693,000	-13,000	-849,000
net cash paid on sale of branches			0	0	725,000	-171,319,000
other investing activities	963,000	1,774,000	4,951,000	449,000	4,425,000	414,000	346,000	269,000	416,000	906,000	81,000	1,390,000	679,000	2,245,000	0	38,000	830,000	-464,000	713,000	-250,000			2,000	0			148,000	-2,000			78,000
net cash from investing activities	-26,326,000	-903,000	-43,512,000	181,410,000	-317,154,000	-695,019,000	-889,036,000	-14,500,000	-1,236,369,000	-1,120,176,000	187,093,000	-1,698,066,000							-637,866,000	-763,878,000	-562,132,000	-568,352,000	-258,795,000	-445,628,000	-149,701,000	-103,551,000	-131,734,000	29,881,000	-238,017,000	-169,196,000	-145,800,000
financing activities:
net change in deposits	280,670,000	296,982,000	-971,910,000	-2,025,180,000	941,406,000	144,036,000	1,054,122,000	-52,526,000	1,714,633,000	1,273,886,000	-248,134,000	2,019,741,000	823,917,000	-1,506,792,000	35,294,000	907,741,000	-23,604,000	653,011,000	323,419,000	176,019,000	185,923,000	1,244,630,000	-21,573,000	843,678,000	1,534,990,000	-110,031,000	-166,929,000	126,047,000	113,778,000	82,106,000	42,097,000
proceeds from borrowings	83,190,545,000	58,640,042,000	57,340,000,000	61,370,000,000	20,855,000,000	26,751,878,000	26,437,972,000	26,982,467,000	19,814,880,000	22,335,000,000	20,827,538,000	23,355,000,000	20,969,000,000	626,000,000	2,667,966,000	8,397,046,000	2,651,878,000	17,754,346,000	29,510,997,000
repayment of borrowings	-83,183,014,000	-59,014,014,000	-56,510,014,000	-58,951,964,000	-21,532,291,000	-25,871,971,000	-27,085,025,000	-26,375,155,000	-20,055,025,000	-22,185,180,000	-19,995,025,000	-24,700,025,000	-20,410,025,000	-780,025,000	-2,445,187,000	-8,289,284,000	-2,495,665,000	-18,557,442,000	-29,780,944,000
proceeds from notes payable			0	3,286,000			4,922,000	34,000,000			600,000	1,400,000							1,000	-1,000	2,310,000	450,000	200,000	914,000	800,000	4,404,000	9,582,000	5,334,000
proceeds from issuance of common stock			0	0
payment of credit linked notes	0	-10,605,000		-12,006,000	-3,280,000	-8,249,000		-4,273,000
repurchase of preferred stock				1,000
dividends	-14,854,000	-14,854,000	-14,847,000	-11,875,000	-11,875,000	-12,570,000	-12,126,000	-12,127,000	-12,127,000	-12,126,000	-11,815,000	-8,747,000	-8,748,000	-8,757,000	-8,319,000	-8,319,000	-8,389,000	-6,208,000	-5,919,000	-5,918,000	-5,918,000	-5,916,000	-5,628,000	-8,784,000	0	-2,842,000	-2,554,000	-2,554,000	-2,554,000	-2,554,000	-2,266,000
net cash from financing activities	273,347,000	-102,449,000	-71,807,000	372,262,000	298,162,000	1,003,124,000	351,848,000	572,182,000	1,485,580,000	1,565,131,000	573,252,000	804,740,000			251,794,000	1,007,184,000	128,754,000	-11,368,000	55,054,000	27,189,000	1,496,552,000	1,501,340,000	-7,476,000	1,031,355,000	1,283,245,000	77,739,000	-41,310,000	1,257,000	101,361,000	221,173,000	146,064,000
net change in cash and cash equivalents	125,869,000	44,686,000	-125,296,000	61,024,000	32,127,000	-75,667,000	177,184,000	29,928,000	7,724,000	143,422,000	-97,797,000	65,815,000	-153,375,000	-621,093,000	230,038,000	400,527,000	132,610,000	89,711,000	-249,474,000	26,015,000	-164,895,000	61,373,000	141,733,000	-95,913,000	147,438,000	-23,073,000	-74,232,000	58,353,000	64,670,000	-71,786,000	-207,291,000
cash and cash equivalents, beginning of period	0	476,610,000	0	0	0	584,422,000	0	0	0	226,164,000	0	0	0	1,032,614,000	0	0	0	179,728,000	0	0	0	506,709,000	0	0	0	336,524,000	0	0	0	359,519,000	0
cash and cash equivalents, end of period	125,869,000	521,296,000	-125,296,000	61,024,000	32,127,000	508,755,000	177,184,000	29,928,000	7,724,000	369,586,000	-97,797,000	65,815,000	-153,375,000	411,521,000	230,038,000	400,527,000	132,610,000	269,439,000	-249,474,000	26,015,000	-164,895,000	568,082,000	141,733,000	-95,913,000	147,438,000	313,451,000	-74,232,000	58,353,000	64,670,000	287,733,000	-207,291,000
supplemental cash flows information:
interest paid	175,376,000	169,563,000	206,956,000	210,624,000	192,716,000	178,751,000	193,769,000	177,399,000	137,140,000	101,381,000	76,448,000	38,726,000	14,963,000	10,228,000	10,851,000	8,427,000	7,650,000	6,972,000	11,166,000	13,100,000	21,058,000	23,782,000	27,370,000	21,651,000	18,126,000	14,745,000	17,582,000	13,597,000	10,346,000	7,751,000	7,505,000
income taxes paid, net of refunds	37,917,000	3,176,000	20,815,000	12,720,000	45,260,000	783,000	17,312,000	20,263,000	28,847,000	966,000	19,334,000	18,843,000	28,828,000	-497,000
change in payable for limited partnership interest of llcs	0	2,752,000
change in rou assets due to lease renegotiation			0	0	286,000	-1,349,000
investments received in securitization of loans sold
liabilities accrued for additions in premises and equipment	-454,000	3,081,000
beneficial interests received in exchange for lihtc's sold	1,109,000	3,118,000
liabilities accrued for excise tax on preferred stock repurchase	0	1,215,000
change in prepaid assets for preferred stock repurchase	0	125,000,000
deposits received upon loan origination	0	189,206,000
transfer of loans from loans held for sale to loans receivable	17,400,000	1,029,000	56,500,000	13,650,000	16,500,000	31,350,000	0	0	0	377,460,000
transfer of loans from loans receivable to loans held for sale	312,142,000	74,462,000	7,500,000	603,369,000	0	1,600,000	43,808,000				0				62,492,000	-35,125,000
deferred income tax
purchases of other equity securities
purchases of servicing rights
repayments on notes payable
proceeds from credit linked notes								0	0	153,546,000
repayment of credit linked notes
proceeds from issuance of preferred stock											88,000				0	0	46,159,000	144,925,000					-43,000	120,863,000	23,826,000	48,269,000
redemption of preferred stock																0
funds disbursed for future redemption of series b preferred stock
repurchase of common stock											0	0
rou assets obtained in exchange for new operating lease liabilities			548,000
transfer of loans to other real estate owned			6,195,000
securities received in securitization of loans sold			0
purchases of equity securities
proceeds from sale of limited partnership interests								526,000
liabilities accrued for additions of premises and equipment
other financing activities									199,000	5,000
gain on sale of securities																			0				-352,000	0	3,000	-127,000
proceeds from sale of servicing rights															0
purchase of limited partnership and llc interests
cash paid in deconsolidation of subsidiary
proceeds from credit link note
repayment of credit link note
payments on notes payable																							0	-25,000,000	-3,200,000	-1,500,000
additional cash flows information:
payable for servicing rights
payable for limited partnership interests
deconsolidation of debt fund entities
purchase of servicing rights												0	0	-2,057,000
payments of contingent consideration																			0	0	0	-501,000
redemption of common shares related to sale of limited partnership interests
purchases of available for sale securities												-2,408,000	-27,864,000	-20,002,000	-25,985,000	-65,002,000	-130,201,000	-3,000	-162,508,000	-74,302,000
purchases of held to maturity securities
proceeds from the sale of available for sale securities															4,097,000	0			0
proceeds from calls, maturities and paydowns of available for sale securities												549,000	2,904,000	9,302,000	9,511,000	79,058,000	21,527,000	27,917,000	171,431,000	50,853,000
proceeds from sale of loans receivable															0	0
net cash (used in) investing activities														-247,149,000		51,793,000	29,034,000	-194,714,000
net cash (used in) financing activities														-1,669,574,000
dividends payable																		139,000
cash paid for operating lease liabilities														283,000
benefit from loan losses															2,585,000	1,079,000	-315,000	1,663,000	4,114,000	2,981,000	1,745,000	2,998,000	1,993,000	1,193,000	105,000	649,000	1,608,000	617,000	998,000	1,406,000	1,400,000
income taxes paid															21,066,000	16,025,000	41,104,000	563,000	21,800,000	17,890,000	17,586,000	46,000	5,455,000	2,495,000	11,312,000	64,000	3,942,000	6,948,000			9,825,000
net cash (used in) operating activities
cash (paid) received in deconsolidation of subsidiary																0
purchase of limited partnership interests and other tax credits																-10,546,000	1,883,000	-3,486,000	-2,107,000	-760,000
change in mortgage servicing rights for paydowns and fair value adjustments																	3,973,000	-3,430,000	651,000	3,579,000	1,104,000	8,338,000	297,000	3,917,000	3,960,000	2,615,000	494,000	158,000	-567,000	2,263,000	-2,048,000
proceeds from sale of mortgage servicing rights
purchase of federal home loan bank stock																						-25,787,000	-1,790,000	-1,159,000	-1,066,000	-11,860,000	-723,000	-103,000	-12,000	-118,000
proceeds from sale of federal home loan bank stock																							230,000	1,171,000	890,000	1,190,000	482,000
proceeds from sale of assets																											0
proceeds from sale of limited partnership interests and other tax credits
cash paid in acquisition of subsidiary
the company purchased all of the capital stock of fmbi on january 2, 2018, the capital stock of fmnbp on october 1, 2018, and the assets of nattymac, llc on december 31, 2018. the company also purchased all of the capital stock for mcs on august 15, 2017. in conjunction with the acquisitions, liabilities were assumed as follows:
fair value of assets acquired																											123,936,000	0	0	44,217,000
cash paid for the capital stock/fair value common stock issued																											24,400,000
fair value of liabilities assumed																											99,536,000

net cash provided used in operating activities
proceeds from fhlb and federal reserve discount window borrowings
repayment of fhlb and federal reserve discount window borrowings
trading securities																						-195,266,000	-41,977,000	-126,400,000	28,400,000	33,505,000	-89,303,000	60,959,000	64,955,000	-59,193,000	-19,477,000
purchases of available-for-sale securities																						-156,666,000	-264,989,000	-258,129,000	-79,256,000	-45,000,000	-10,756,000	-235,000	-7,825,000	-28,224,000	-51,402,000
proceeds from the sale of available-for-sale securities																							6,734,000	0	-3,000	31,086,000	0
proceeds from calls, maturities and paydowns of available-for-sale securities																						107,995,000	276,703,000	210,967,000	115,073,000	49,055,000	16,933,000	110,356,000	35,603,000	25,360,000	72,727,000
proceeds from federal home loan bank borrowings																						5,597,675,000	2,030,209,000	1,291,918,000	3,246,439,000	2,348,720,000
repayment of federal home loan bank borrowings																						-5,334,998,000	-2,008,642,000	-1,170,384,000	-3,519,610,000	-2,209,281,000
cash (paid) received in acquisition of subsidiary
cash received in acquisition of subsidiary																												0	0	6,505,000
the company purchased all of the capital stock of fmbi on january 2, 2018 for 5,472. in conjunction with the acquisitions, liabilities were assumed as follows:
the company purchased all of the capital stock of fmbi on january 2, 2018. in conjunction with the acquisitions, liabilities were assumed as follows:
proceeds from sale of home equity loans held for investment
proceeds from federal home loan bank advances																												125,050,000	127,128,000	284,189,000	289,900,000
repayment of federal home loan bank advances																												-252,620,000	-141,191,000	-142,568,000	-289,912,000
the company purchased all of the capital stock of joy state bank on january 2, 2018 and purchased all of the capital stock for richmac on august 15, 2017. in conjunction with the acquisitions, liabilities were assumed as follows:
the company purchased all of the capital stock of joy state bank for 5,472 on january 2, 2018. in conjunction with the acquisition, liabilities were assumed as follows:
cash paid for the capital stock																													0	5,472,000
liabilities assumed																													0	38,745,000
deferred tax																															-3,434,000
proceeds from sales of available-for-sale securities
proceeds from line of credit borrowing
cash received in acquisition of richmac
supplemantal disclosure of noncash investing activities:
acquisition
fair value of common stock issued

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