MidWestOne(MOFG) - 2025 Q1 - Quarterly Report

Cash Flow - Net cash inflows from operating activities were $8.7 million in Q1 2025, down from$9.6 million in Q1 2024[216] - Net cash inflows from investing activities were $35.5 million in Q1 2025, compared to net cash outflows of$38.3 million in Q1 2024[216] - Net cash inflows from financing activities were $1.9 million in Q1 2025, significantly lower than$44.8 million in Q1 2024[216] Deposits and Borrowing - As of March 31, 2025, the Bank had brokered deposits of $200.0 million, unchanged from December 31, 2024[221] - The Bank maintains unsecured federal funds lines totaling$110.0 million, with no amounts outstanding as of March 31, 2025[218] - The Company had additional borrowing capacity of $323.0 million through the Federal Reserve Bank Discount Window as of March 31, 2025[219] Investment and Liquidity - The Bank had investment securities with a market value of approximately$346.9 million pledged for liquidity purposes as of March 31, 2025[219] Interest Rate Sensitivity - The anticipated effect on net interest income shows a dollar change of $(15,324) thousand for a 200 bps decrease in rates as of March 31, 2025[229] - As of March 31, 2025, 42.7% of the Company's earning asset balances are expected to reprice in the next twelve months[229] Credit Limits - The current credit limit established by the Federal Home Loan Bank is equal to 45% of the Bank's total assets[220]