MTB Stock Cash Flow Statements

M&T Bank Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

M&T Bank 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	2022-09-30	2022-06-30	2022-03-31	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	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31

cash flows from operating activities																									526,091,000	493,160,000	352,610,000		355,923,000	381,053,000	348,927,000		349,984,000	336,031,000	298,528,000		280,401,000	286,688,000	241,613,000		275,344,000	284,336,000	229,017,000	294,479,000	348,466,000	274,113,000
net income	716,000,000	584,000,000	681,000,000	721,000,000	655,000,000	531,000,000	482,401,000	689,941,000	867,034,000	701,624,000	646,596,000	217,522,000	362,174,000	495,460,000	458,069,000	447,249,000	471,140,000	372,136,000	241,054,000	268,822,000	493,066,000	480,081,000	473,260,000	482,742,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses	125,000,000	130,000,000	140,000,000	120,000,000	150,000,000	200,000,000	225,000,000	150,000,000	150,000,000	120,000,000	115,000,000	302,000,000	10,000,000	-20,000,000	-15,000,000	-25,000,000	75,000,000	150,000,000	325,000,000	250,000,000	54,000,000	45,000,000	55,000,000	22,000,000
depreciation and amortization of premises and equipment	81,000,000	83,000,000	81,000,000	76,000,000	79,000,000	80,000,000	77,214,000	77,980,000	73,305,000	75,501,000	84,788,000	78,210,000	56,739,000	55,773,000	56,343,000	57,116,000	56,275,000	55,575,000	53,992,000	54,756,000	54,216,000	53,738,000	51,001,000	50,982,000
amortization of capitalized servicing rights	34,000,000	34,000,000	35,000,000	34,000,000	35,000,000	35,000,000	37,201,000	36,357,000	37,610,000	19,832,000	24,167,000	25,682,000	25,316,000	25,853,000	20,196,000	19,951,000	20,829,000	26,021,000	18,980,000	18,991,000	18,751,000	19,120,000	17,847,000	16,170,000
amortization of core deposit and other intangible assets	9,000,000	13,000,000	13,000,000	12,000,000	13,000,000	15,000,000	14,901,000	14,946,000	14,945,000	17,208,000	18,384,000	18,384,000	1,256,000	2,738,000	2,737,000	2,738,000	3,129,000	3,914,000	3,913,000	3,913,000	4,305,000	5,088,000	5,077,000	5,020,000
benefit from deferred income taxes	-16,000,000	-6,000,000	-14,000,000	1,000,000	-16,000,000	2,000,000	-57,078,000	-33,235,000	-18,067,000	11,380,000	-12,067,000	-81,497,000	4,151,000	15,037,000	15,824,000	39,329,000	88,622,000	-29,820,000	-53,850,000	-36,243,000	40,865,000	866,000	2,376,000	13,441,000
asset write-downs	3,000,000	3,000,000	33,000,000	1,000,000	0	6,000,000	682,000	1,981,000	557,000	780,000	3,889,000	3,217,000	252,000	1,803,000	2,026,000	1,217,000	3,322,000	2,066,000	12,636,000	2,990,000	-46,149,000	1,526,000	50,405,000	1,919,000
net (gain) loss on sales of assets
net change in accrued interest receivable, payable	50,000,000	-63,000,000	-27,000,000			27,000,000	28,390,000	-26,505,000	204,326,000	54,789,000	-69,463,000	-4,914,000	15,748,000	21,443,000	35,845,000	-36,893,000	3,573,000	-87,035,000	-34,927,000	-13,863,000	22,152,000	3,121,000	40,721,000	-35,071,000
net change in other accrued income and expense	193,000,000	-140,000,000	116,000,000	115,000,000	125,000,000	-74,000,000	353,155,000	280,013,000	-29,340,000	-42,828,000	-38,592,000	66,751,000	-99,163,000	101,004,000	-22,899,000	-27,301,000	-74,667,000	-350,488,000	79,766,000	-73,363,000	151,494,000	69,150,000	26,590,000	-171,304,000
net change in loans originated for sale	-229,000,000	159,000,000	416,000,000	-555,000,000	363,000,000	-352,000,000	65,145,000	82,557,000	-65,480,000	-274,222,000	-11,018,000	137,359,000	434,520,000	-289,756,000	13,739,000	158,878,000	-119,305,000	-202,405,000	-62,175,000	-158,193,000	150,555,000	198,600,000	-421,595,000	202,670,000
net change in trading account and other non-hedging derivative assets and liabilities	-92,000,000	-157,000,000	229,000,000	-398,000,000	-27,000,000	139,000,000	-422,145,000	155,624,000	245,257,000	-244,736,000
net cash from operating activities	844,000,000	635,000,000	1,676,000,000	-28,000,000	1,354,000,000	608,000,000	800,279,000	1,419,634,000	1,257,274,000	427,813,000	1,136,982,000	1,187,369,000	1,295,770,000	486,320,000			664,122,000	-6,012,000			1,130,707,000	746,670,000	66,872,000	413,306,000
cash flows from investing activities
proceeds from sales:
investment securities available for sale
equity and other securities	145,000,000	159,000,000	174,000,000	213,000,000	113,000,000	110,000,000	204,942,000	194,703,000	93,080,000	521,275,000	16,713,000	21,693,000	4,593,000	3,669,000	2,742,000	2,526,000	11,537,000	1,267,000	51,696,000	2,536,000	291,471,000	297,916,000	267,746,000	312,743,000
loans
proceeds from maturities:
investment securities held to maturity
purchases:
net change in loans
net change in interest-bearing deposits at banks
capital expenditures	-26,000,000	-25,000,000	-85,000,000	-30,000,000	-66,000,000	-35,000,000	-87,787,000	-66,834,000	-45,968,000	-55,411,000	-39,068,000	-59,832,000	-27,910,000	-42,706,000	-13,443,000	-31,016,000	-46,919,000	-31,719,000	-42,104,000	-51,547,000	-58,527,000	-36,865,000	-51,947,000	-30,710,000
free cash flows	818,000,000	610,000,000	1,591,000,000	-58,000,000	1,288,000,000	573,000,000	712,492,000	1,352,800,000	1,211,306,000	372,402,000	1,097,914,000	1,127,537,000	1,267,860,000	443,614,000			617,203,000	-37,731,000			1,072,180,000	709,805,000	14,925,000	382,596,000
net change in loan servicing advances
other	85,000,000	134,000,000	-689,000,000	535,000,000	-104,000,000	-280,000,000	152,921,000	-233,622,000	-107,859,000	-251,440,000	-191,910,000	-109,393,000	-215,201,000	-70,816,000	-138,139,000	-179,350,000	-283,867,000	153,901,000	-223,323,000	420,700,000	-251,277,000	-28,752,000	78,408,000	5,700,000
net cash from investing activities
cash flows from financing activities																									-131,473,000	-1,673,269,000	-1,484,629,000		-26,360,000	-3,500,174,000	1,550,297,000		3,490,179,000	440,709,000	2,264,623,000		315,203,000	-946,804,000	-4,543,000		4,513,017,000	1,130,765,000	1,581,705,000	550,210,000	573,656,000	-519,555,000
net change in deposits
net change in short-term borrowings
proceeds from long-term borrowings	2,043,000,000	743,000,000	1,494,000,000	646,000,000	0	3,357,000,000	1,002,626,000	546,699,000	0	3,485,675,000
payments on long-term borrowings	-215,000,000	-2,950,000,000	-331,000,000	-516,000,000	-113,000,000	-49,000,000	-43,285,000	-780,521,000	-98,000	-96,000	-7,095,000	-900,047,000	-49,000	-49,000	-47,000	-852,945,000	-1,059,982,000	-850,616,000	-1,302,000	-753,123,000	-960,000	-675,952,000	-875,442,000	-1,139,000
proceeds from issuance of series j preferred stock			0	0
purchases of treasury stock	-1,069,000,000	-656,000,000	-198,000,000				0	0	0	-594,000,000	-600,000,000						0	0	0	-373,750,000	-282,210,000	-299,963,000	-401,984,000	-365,628,000
dividends paid — common	-213,000,000	-225,000,000	-224,000,000	-225,000,000	-225,000,000	-221,000,000	-215,662,000	-215,969,000	-215,852,000	-220,517,000	-209,146,000	-213,165,000	-156,657,000	-141,750,000	-141,747,000	-142,044,000	-141,908,000	-141,514,000	-141,520,000	-143,170,000	-145,171,000	-132,930,000	-134,442,000	-139,595,000
dividends paid — preferred	-30,000,000	-41,000,000	-31,000,000	-49,000,000	-24,000,000	-34,000,000	-16,565,000	-33,554,000	-16,327,000	-33,554,000	-33,554,000	-16,328,000	-30,718,000	-21,288,000	-12,812,000	-21,288,000	-12,812,000	-21,288,000	-12,812,000	-21,344,000	-12,812,000	-18,382,000	-18,892,000	-17,368,000
net cash from financing activities	28,000,000	1,697,000,000				6,438,000,000								778,726,000	-335,870,000	7,644,256,000
net change in cash, cash equivalents and restricted cash
cash, cash equivalents and restricted cash at beginning of period	0	1,909,000,000	0	0	0	1,731,000,000	-244,000	0	0	1,520,244,000	0	0	1,337,577,000	0	0	1,552,743,000	0	0	0	1,436,305,000	0	0	0	1,605,439,000
cash, cash equivalents and restricted cash at end of period	19,000,000	2,109,000,000	-307,000,000	438,000,000	83,000,000	1,695,000,000	-37,864,000	-79,522,000	30,646,000	1,817,740,000	567,536,000	276,814,000	1,411,460,000	69,244,000	150,479,000	1,259,989,000	63,511,000	134,417,000	56,623,000	1,298,192,000	-382,756,000	547,450,000	4,351,000	1,267,260,000
supplemental disclosure of cash flow information																									1,150,647,000	1,132,387,000	1,077,676,000		1,050,033,000	1,036,880,000	1,001,129,000		976,251,000	978,804,000	968,223,000		755,628,000	752,373,000	726,475,000		726,516,000	725,067,000	695,653,000	724,986,000	740,846,000	718,296,000
interest received during the period	2,634,000,000	2,605,000,000	2,754,000,000	2,776,000,000	2,831,000,000	2,716,000,000	2,663,371,000	2,614,680,000	2,524,723,000	2,289,226,000	1,728,869,000	1,437,680,000	978,682,000	1,000,515,000	1,004,917,000	971,142,000	1,014,073,000	965,036,000	997,787,000	1,159,094,000	1,192,095,000	1,255,583,000	1,250,600,000	1,194,023,000
interest paid during the period	811,000,000	933,000,000	1,025,000,000	1,179,000,000	1,116,000,000	999,000,000	911,911,000	856,101,000	512,569,000	410,419,000	127,839,000	46,030,000	40,683,000	36,561,000	24,463,000	55,378,000	53,212,000	95,205,000	65,013,000	158,861,000	158,496,000	216,112,000	169,870,000	191,309,000
income taxes paid during the period	80,000,000	70,000,000	-4,000,000	134,000,000	65,000,000	41,000,000	21,198,000	101,602,000	306,726,000	22,474,000	131,179,000	198,049,000	33,638,000	74,524,000	180,039,000	24,220,000	21,087,000	192,712,000	17,099,000	44,660,000	18,072,000	59,037,000	93,856,000	149,548,000
supplemental schedule of noncash investing and financing activities																									14,431,000	21,008,000	15,410,000		31,349,000	33,595,000	23,607,000		33,820,000	32,549,000	33,737,000								29,785,000			8,244,000
real estate acquired in settlement of loans	6,000,000	5,000,000	3,000,000	7,000,000	4,000,000	19,000,000	6,182,000	5,206,000	4,524,000	7,088,000	12,217,000	4,202,000	4,598,000	2,854,000	1,667,000	2,301,000	599,000	2,162,000	590,000	17,295,000	24,054,000	26,562,000	14,616,000	24,840,000
additions to right-of-use assets under operating leases	43,000,000	14,000,000	39,000,000	19,000,000	24,000,000	19,000,000	45,737,000	19,591,000	38,136,000	30,536,000	68,692,000	14,545,000	16,468,000	16,222,000	5,162,000	13,020,000	24,866,000	15,303,000	13,164,000	17,421,000	62,914,000	24,377,000	24,518,000	20,410,000
net gain on sales of assets		-5,000,000	-27,000,000			-1,000,000	-4,587,000	-10,025,000	-222,873,000	-11,515,000	-3,727,000	-6,088,000	-4,768,000	-2,415,000	-10,739,000	-2,106,000		-8,928,000	-1,875,000	-3,933,000		-3,417,000	-5,350,000	-5,171,000
proceeds from sales of investment securities:
available for sale			109,000,000	0	54,000,000	4,000,000	230,331,000	214,533,000	156,963,000	141,173,000	173,785,000	247,468,000	220,320,000	327,408,000	389,624,000	422,171,000		487,028,000	358,259,000	303,994,000
proceeds from maturities of investment securities:
held to maturity		848,000,000	314,000,000	297,000,000	290,000,000	257,000,000	246,293,000	352,965,000	289,497,000	281,245,000	481,797,000	452,160,000	120,032,000	140,376,000	164,332,000	171,644,000	192,176,000	217,286,000	142,478,000	359,615,000	375,165,000	574,569,000	113,126,000	99,960,000
purchases of investment securities:
net increase in loans and leases		703,000,000	-290,000,000	-482,000,000	-534,000,000	-724,000,000	-1,919,651,000	795,118,000	-479,239,000	-1,166,228,000	206,742,000	-903,308,000	637,624,000	3,805,023,000	2,160,903,000	-988,654,000	-4,390,000	-513,577,000	-3,607,760,000	-3,105,967,000	-1,311,128,000	-224,590,000	-846,875,000	-412,670,000
net increase in interest-bearing deposits at banks		-1,783,000,000	5,544,000,000	375,000,000	7,352,000,000	-4,075,000,000	2,045,567,000	-3,007,387,000			8,045,926,000	11,781,274,000	5,846,922,000	-4,580,964,000	-2,457,597,000	-7,743,417,000	-3,465,873,000	690,404,000	-11,992,034,000	-1,706,153,000	5,305,370,000	-3,703,771,000	-1,188,856,000	502,300,000
net increase in loan servicing advances		-279,000,000									285,883,000	696,082,000	342,947,000	15,454,000	-43,015,000	-374,614,000	-904,661,000			-48,866,000	-136,999,000
net cash used by investing activities		-2,132,000,000		-1,386,000,000	5,625,000,000	-7,082,000,000								-1,195,802,000	-50,625,000	-8,931,747,000		967,256,000
net increase in deposits		4,314,000,000				3,921,000,000	-855,737,000				-6,512,100,000	-8,927,153,000	-5,224,696,000	432,524,000	-207,593,000	8,670,627,000	4,642,435,000	195,699,000	14,785,204,000	5,413,829,000	-343,245,000	3,433,550,000	1,211,928,000	313,849,000
net increase in short-term borrowings		513,000,000	-1,545,000,000	-2,159,000,000	-31,000,000	-521,000,000	-1,414,712,000	-1,177,221,000	912,582,000	3,440,351,000	48,484,000	-75,856,000	3,261,000	12,313,000			13,359,000	-6,175,000			-5,451,533,000	902,506,000	1,008,824,000	-795,812,000
net increase in cash, cash equivalents and restricted cash		200,000,000	-307,000,000	438,000,000	83,000,000	-36,000,000	-37,620,000	-79,522,000	30,646,000	297,496,000	567,536,000	276,814,000	73,883,000				63,511,000				-382,756,000
acquisition, net of cash consideration:
bank and bank holding company											0
net cash provided (used) by investing activities							682,905,000	-1,907,430,000	-4,901,763,000	-1,747,712,000	6,219,311,000	9,842,984,000	4,195,580,000							-3,852,363,000	4,726,674,000	-3,418,808,000	-852,120,000	271,261,000
net decrease in deposits									2,985,931,000	-4,440,810,000
redemption of series e preferred stock			0
net cash provided (used) by financing activities							-1,520,804,000	408,274,000	3,675,135,000	1,617,395,000	-6,788,757,000	-10,753,539,000	-5,417,467,000						14,622,989,000	4,108,692,000
acquisition of bank and bank holding company:
common stock issued											0
common stock awards converted											0
fair value of:
assets acquired											0
liabilities assumed											0
preferred stock converted											0
net decrease in loan servicing advances				33,000,000	72,000,000	81,000,000		19,916,000	79,038,000	206,668,000													772,000	22,891,000
proceeds from issuance of series i preferred stock
loans held for sale transferred to loans held for investment
adjustments to reconcile net income to net cash from operating activities
proceeds from sales of investment securities
proceeds from maturities of investment securities
purchases of investment securities
acquisition, net of cash consideration
acquisition of bank and bank holding company
fair value of
net decrease in interest-bearing deposits at banks										2,652,294,000
net change in trading account and non-hedging derivative assets and liabilities											379,025,000
net change in trading account assets and liabilities													489,545,000	79,380,000	-19,167,000	359,559,000	140,909,000	62,952,000	-56,995,000	-708,319,000	141,988,000	-126,203,000	-228,460,000	-170,092,000
net decrease in cash, cash equivalents and restricted cash															150,479,000	-292,754,000			56,623,000	-138,113,000			4,351,000	-338,179,000
net cash provided (used) by operating activities																994,737,000				-394,442,000
net decrease in short-term borrowings																-525,000				-3,183,000
proceeds from issuance of series g preferred stock																					0
redemption of series a and series c preferred stock																					0
securitization of residential mortgage loans allocated to
available-for-sale investment securities																					0	0	0	5,379,000
capitalized servicing rights																					0	0	0	83,000
adoption of lease accounting standard
right-of-use assets																					0	0	0	393,877,000
other liabilities																					0	0	0	398,810,000
net cash used by financing activities																							789,599,000	-1,022,746,000
acquisition of bank and bank holding company, net of cash acquired
redemption of series d preferred stock
proceeds from issuance of series f preferred stock
net increase in cash and cash equivalents
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
interest received during the year
interest paid during the year
income taxes paid during the year
proceeds from issuance of preferred stock
net decrease in cash and cash equivalents
acquisition, net of cash acquired bank and bank holding company
held-to-maturity investment securities

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