← FLAGSTAR BANK, NATIONAL ASSOCIATION

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 TTM
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income (Loss) Available to Common Stockholders, Basic $491.6m
$441.6m -10.18%
$389.6m -11.77%
$362.2m -7.03%
$478.3m +32.04%
$563.0m +17.71%
$617.0m +9.59%
($112.0m) -118.15%
($1.2b) -929.46%
($210.0m) +81.79%
—
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest $495.4m $466.2m $422.4m $395.0m $511.1m $596.0m $650.0m ($79.0m) ($1.1b) ($177.0m) —
Depreciation, Depletion and Amortization $32.8m $32.8m $32.3m $27.1m $23.9m $21.0m $18.0m $39.0m $48.0m $148.0m $140.0m
Amortization of Debt Issuance Costs — — — — — — — — — $7.0m —
Amortization of Intangible Assets $2.4m $208k — — — — $5.0m $126.0m $136.0m $107.0m —
Deferred Income Tax Expense (Benefit) $44.7m $21.4m $23.2m $100.8m $219.3m ($13.0m) ($3.0m) ($187.0m) ($411.0m) ($63.0m) $48.0m
Share-based Payment Arrangement, Noncash Expense $32.7m $36.0m $36.3m $32.0m $29.4m $31.0m $29.0m $47.0m $54.0m $61.0m $65.0m
Payment, Tax Withholding, Share-based Payment Arrangement — — — — — — — $12.0m $11.0m — —
Share-based Payment Arrangement, Expense — — — — — — — — $54.0m $61.0m $65.0m
Goodwill, Impairment Loss $0 $0 — — $0 $0 $0 $2.4b $0 $0 $0
Changes in operating assets and liabilities:
Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal — — — — — — — $794.0m $1.1b $180.0m —
Increase (Decrease) in Other Operating Assets ($326.8m) ($451.9m) ($30.0m) $55.8m $411.1m $284.0m ($348.0m) $721.0m ($282.0m) ($171.0m) —
Increase (Decrease) in Other Operating Liabilities ($4.3m) $23.3m ($53.3m) $10.6m $8.6m ($6.0m) ($100.0m) ($255.0m) ($769.0m) ($608.0m) —
Net Cash Provided by (Used in) Operating Activities $755.7m
$1.3b +75.57%
$540.4m -59.27%
$509.8m -5.66%
$334.2m -34.44%
$290.0m -13.22%
$1.0b +253.79%
$263.0m -74.37%
$86.0m -67.30%
($181.0m) -310.47%
$162.0m +189.50%
Cash flows from investing activities:
Gain (Loss) on Disposition of Property Plant Equipment — — — — — — — $0 $0 — ($118.0m)
Payments to Acquire Property, Plant, and Equipment $84.2m $27.8m $9.8m $9.3m $1.3m $4.0m $3.0m $66.0m $36.0m $67.0m ($94.0m)
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale $50.2m $387.8m $817.8m $2.0b $2.1b $1.7b $732.0m $1.4b $2.1b $2.5b —
Debt Securities, Available-for-sale, Realized Gain (Loss) — — — — — — — — — $0 —
Payments for (Proceeds from) Other Investing Activities — — — — — — — — — ($19.0m) —
Net Cash Provided by (Used in) Investing Activities $1.2b $1.1b ($4.0b) ($2.1b) ($1.0b) ($2.8b) ($6.3b) $20.7b $15.5b $2.7b $1.4b
Cash flows from financing activities:
Repayments of Long-term Debt — — $4.4b $5.5b $6.5b $2.5b $14.0b $19.4b $30.8b $6.5b ($8.0b)
Debt and Equity Securities, Gain (Loss) — — ($2.0m) $7.7m — — — ($1.0m) — $31.0m —
Debt and Equity Securities, Realized Gain (Loss) — — — — $1.3m — ($2.0m) — — — —
Proceeds from Issuance of Long-term Debt $1.2b — $5.7b $4.8b $6.9b $2.1b $9.5b $19.9b $28.2b $4.0b $5.5b
Payments for Repurchase of Common Stock $8.7m $18.5m $160.8m $67.1m $50.2m — $7.0m $0 $0 — —
Payments of Ordinary Dividends, Common Stock $330.8m $332.1m $333.1m $317.4m $315.6m $316.0m $317.0m $486.0m $53.0m $15.0m ($49.0m)
Proceeds from Issuance of Common Stock — — — — — — $0 $0 $1.0b $0 $258.0m
Proceeds from (Payments for) Other Financing Activities — — — — — — — — — $80.0m —
Net Cash Provided by (Used in) Financing Activities ($2.0b)
($418.1m) +78.60%
$2.4b +680.42%
$816.1m -66.37%
$1.9b +132.48%
$2.7b +44.16%
$5.2b +88.96%
($11.4b) -320.76%
($11.6b) -1.58%
($12.1b) -4.31%
($4.5b) +62.48%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect — $2.0b ($1.1b) ($733.1m) $1.2b $263.0m ($129.0m) $9.5b $4.0b ($9.6b) $5.2b
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents — $2.0b ($1.1b) $741.9m $1.9b $2.2b $2.1b $11.6b $15.6b $6.0b $5.2b
Additional Supplementary Disclosures
Additional Supplementary Disclosures
Bank Owned Life Insurance Income $31.0m $27.1m $28.3m $28.4m $31.8m $29.0m $32.0m $43.0m $42.0m $49.0m —
Gain (Loss) on Sales of Loans, Net — $82.0m — — — — $5.0m — $48.0m $32.0m —
Parent Company $330.8m $332.1m $333.1m $317.4m $315.6m $316.0m $317.0m $486.0m $53.0m $15.0m —
Supplemental disclosure of cash flow information:
Interest Paid, Excluding Capitalized Interest, Operating Activities $382.1m $447.5m $645.6m $813.2m $632.7m $402.0m $657.0m $2.3b $3.7b $2.9b —
Income Taxes Paid, Net $180.2m $217.7m $44.1m $75.7m $117.9m $471.0m $17.0m — — $13.0m —
Additional Financial Items
Derivative, Gain (Loss) on Derivative, Net ($12.2m) ($6.0m) — — — — — — — — —
Equity Securities, FV-NI, Gain (Loss) — — — — $582k $0 ($2.0m) ($1.0m) $0 $31.0m —
Fair Value, Option, Changes in Fair Value, Gain (Loss) ($33.1m) ($19.2m) ($224k) — — — — $43.0m $47.0m $26.0m —
Gain (Loss) on Disposition of Assets — — — $7.4m — — $2.0m — — — —
Gain (Loss) on Disposition of Business — $0 — — — — ($159.0m) ($2.1b) $121.0m $0 —
Gain (Loss) on Sale of Mortgage Loans — $7.4m — — — — — — $89.0m — —
Gain (Loss) on Sale of Financing Receivable — — — — — — — $89.0m $48.0m — —
General and Administrative Expense — — — — — — — $750.0m $809.0m $307.0m —
Goodwill $2.4b $2.4b $2.4b $2.4b $2.4b $2.4b $2.4b $0 $0 — $0
Income Tax Expense (Benefit) $281.7m $202.0m $135.3m $128.3m $76.7m $210.0m $176.0m $29.0m ($260.0m) ($21.0m) —
Noncash Merger Related Costs $11.1m — — — — $23.0m $75.0m — $106.0m $56.0m —
Operating Costs and Expenses — — — — — — — $2.1b $2.6b $1.9b —
Operating Expenses $638.1m $641.2m $546.6m $511.2m — $518.0m $604.0m — — — —
Operating Lease, Lease Income — — — $9.5m — — — — — — —
Financing Receivable, Credit Loss, Expense (Reversal) — — $18.3m $7.1m $62.2m $3.0m $133.0m $833.0m $1.1b $184.0m —
Real Estate Tax Expense $5.0m $5.0m — — — — — — — — —

Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.