MidWestOne(US:MOFG)2025-11-05 21:46Cash Flow and Liquidity - Net cash inflows from operating activities were $51.3 million in the first nine months of 2025, compared to $32.1 million in the same period of 2024, representing a 59.9% increase [244]. - Net cash inflows from investing activities increased to $55.1 million in the first nine months of 2025 from $35.3 million in 2024, marking a 56.2% rise [244]. - The Bank had brokered deposits of $200.0 million as of September 30, 2025, unchanged from December 31, 2024 [249]. - As of September 30, 2025, the Bank maintained unsecured federal funds lines totaling $135.0 million, with no amounts outstanding under such lines [245]. - The Federal Reserve Bank Discount Window provided additional liquidity with investment securities valued at approximately $289.0 million pledged for liquidity purposes [246]. - The current credit limit established by the Federal Home Loan Bank is equal to 45% of the Bank's total assets, with additional borrowing capacity of $909.8 million as of September 30, 2025 [247]. Interest Rate Sensitivity - An immediate decrease of 200 basis points in interest rates would result in a dollar change of $(10,655) thousand, equating to a 4.9% decrease in net interest income [256]. - As of September 30, 2025, 45.4% of the Company's earning asset balances are expected to reprice or pay down in the next twelve months [256]. - The interest rate gap represents the difference between interest-earning assets and interest-bearing liabilities re-pricing within a given period, affecting net asset or liability sensitivity [258]. Deposits - The Company had $24.4 million of reciprocal time deposits and $134.1 million of reciprocal interest-bearing non-maturity deposits that qualified for the brokered deposit exemption [250].