Atlantic Union Bankshares Corporation
(NYSE:AUB)

Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. It accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts, as well as c...

Website: http://www.ubsh.com

Founded: 1902

Full Time Employees: 1,883

CEO: John C. Asbury

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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Quarterly

Annual

Unit: USD	2025-09-30	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	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	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31

interest and dividend income:
interest and fees on loans	441,944,000	458,766,000	271,515,000	282,118,000	291,089,000	285,198,000	234,600,000	230,379,000	221,380,000	205,172,000	189,992,000	173,475,000	144,673,000	123,266,000	114,200,000	125,195,000	124,999,000	130,570,000	128,006,000	-432,188,129	138,402,000	143,234,000	151,127,000	114,900,750	156,651,000	158,838,000	144,115,000	121,847,000	115,817,000	119,540,000	112,927,000	78,502,000	75,948,000	72,612,000	68,084,000	68,683,000	66,190,000	64,747,000	62,947,000	61,881,000	62,651,000	62,604,000	60,452,000	61,369,000	62,340,000	61,386,000	61,269,000	39,224,000	40,894,000	40,836,000	40,299,000	40,608,000	41,480,000	42,664,000	42,332,000	42,003,000	43,315,000	43,571,000	44,269,000	38,394,000
interest on deposits in other banks	12,478,000	4,991,000	2,513,000	5,774,000	1,060,000	2,637,000	1,280,000	2,256,000	1,309,000	1,014,000	1,493,000	1,383,000	941,000	157,000								155,000	862,000	511,750	1,030,000	544,000	473,000	310,000	492,000	676,000	647,000	172,000	181,000	115,000	71,000	66,000	65,000	65,000	47,000	30,000	23,000	24,000	17,000	19,000	21,000	9,000	12,000	5,000	6,000	6,000	34,000	24,000	68,000	22,000	28,000	5,000	5,000	49,000	15,000	8,000
interest and dividends on securities:
taxable	40,601,000	38,260,000	23,648,000	23,179,000	24,247,000	24,886,000	18,879,000	18,702,000	16,055,000	15,565,000	16,753,000	16,196,000	14,750,000	14,695,000								11,267,000	11,627,000	9,764,750	12,625,000	13,353,000	13,081,000	11,622,000	10,145,000	8,012,000	7,072,000	5,224,000	5,175,000	4,982,000	4,923,000	4,761,000	4,732,000	4,510,000	4,316,000	3,985,000	3,954,000	3,860,000	3,807,000	3,835,000	3,883,000	3,860,000	3,648,000	2,069,000	2,422,000	2,846,000	3,182,000	3,454,000	2,982,000	3,148,000	3,627,000	3,630,000	3,740,000	3,176,000	3,503,000	3,539,000
nontaxable	8,414,000	8,355,000	8,160,000	8,134,000	8,132,000	8,167,000	8,156,000	8,161,000	8,415,000	8,496,000	9,308,000	11,014,000	10,792,000	10,637,000								8,211,000	7,709,000	6,103,250	8,039,000	8,390,000	7,983,000	6,858,000	4,909,000	4,181,000	4,008,000	3,584,000	3,546,000	3,512,000	3,562,000	3,446,000	3,446,000	3,459,000	3,439,000	3,422,000	3,372,000	3,366,000	3,324,000	3,288,000	3,347,000	3,379,000	3,279,000	1,987,000	1,860,000	1,814,000	1,789,000	1,788,000	1,789,000	1,771,000	1,769,000	1,754,000	1,681,000	1,642,000	1,532,000	1,365,000
total interest and dividend income	503,437,000	510,372,000	305,836,000	319,205,000	324,528,000	320,888,000	262,915,000	259,498,000	247,159,000	230,247,000	217,546,000	202,068,000	171,156,000	148,755,000								162,867,000	171,325,000	131,280,500	178,345,000	181,125,000	165,652,000	140,637,000	131,363,000	132,409,000	124,654,000	87,482,000	84,850,000	81,221,000	76,640,000	76,956,000	74,433,000	72,781,000	70,749,000	69,317,000	70,000,000	69,854,000	67,600,000	68,511,000	69,591,000	68,634,000	68,208,000	43,285,000	45,182,000	45,503,000	45,304,000	45,874,000	46,319,000	47,606,000	47,756,000	47,392,000	48,741,000	48,440,000	49,322,000	43,318,000
interest expense:
interest on deposits	170,721,000	171,343,000	115,587,000	129,310,000	130,216,000	122,504,000	101,864,000	95,999,000	83,590,000	65,267,000	51,834,000	30,235,000	15,386,000	6,097,000								19,861,000	28,513,000	21,022,000	30,849,000	28,809,000	24,430,000	19,149,000	15,928,000	13,047,000	11,212,000	7,696,000	7,234,000	6,100,000	5,077,000	4,786,000	4,552,000	4,197,000	4,195,000	4,349,000	4,204,000	3,680,000	3,321,000	3,201,000	3,027,000	2,550,000	2,256,000	3,962,000	4,362,000	4,726,000	5,023,000	5,335,000	5,572,000	5,924,000	6,166,000	6,684,000	7,686,000	7,956,000	7,837,000	7,263,000
interest on short-term borrowings	626,000	4,147,000	909,000	1,187,000	5,698,000	8,190,000	8,161,000	5,042,000	6,499,000	8,044,000	7,563,000	3,588,000	1,229,000	555,000								186,000	1,340,000	3,578,250	2,200,000	5,563,000	6,551,000	5,664,000	3,379,000	5,166,000	4,249,000	1,814,000	1,871,000	1,400,000	950,000	801,000	763,000	708,000	621,000	210,000	223,000	255,000	249,000	143,000	108,000	146,000	119,000	54,000	74,000	69,000	47,000	404,000	469,000	466,000	211,000	161,000	162,000	367,000	663,000	598,000
interest on long-term borrowings	12,880,000	13,511,000	5,176,000	5,459,000	5,682,000	5,660,000	5,065,000	4,913,000	5,129,000	4,852,000	4,706,000	4,397,000	3,826,000	3,336,000								5,515,000	6,464,000	5,994,500	8,695,000	8,159,000	7,124,000	6,735,000	6,093,000	6,028,000	5,446,000	4,580,000	4,547,000	4,722,000	4,046,000	2,759,000	2,088,000	2,098,000	2,200,000	2,153,000	2,128,000	2,099,000	2,060,000	2,101,000	1,974,000	2,200,000	2,051,000	1,501,000	1,566,000	1,918,000	2,147,000	1,788,000	1,787,000	1,770,000	1,756,000	1,740,000	1,679,000	1,463,000	1,255,000	1,283,000
total interest expense	184,227,000	189,001,000	121,672,000	135,956,000	141,596,000	136,354,000	115,090,000	105,954,000	95,218,000	78,163,000	64,103,000	38,220,000	20,441,000	9,988,000								25,562,000	36,317,000	30,594,750	41,744,000	42,531,000	38,105,000	31,548,000	25,400,000	24,241,000	20,907,000	14,090,000	13,652,000	12,222,000	10,073,000	8,341,000	7,405,000	7,005,000	7,018,000	6,712,000	6,556,000	6,038,000	5,631,000	5,446,000	5,112,000	4,919,000	4,450,000	5,532,000	6,023,000	6,741,000	7,217,000	7,527,000	7,828,000	8,160,000	8,133,000	8,592,000	9,541,000	9,791,000	9,755,000	9,158,000
net interest income	319,210,000	321,371,000	184,164,000	183,249,000	182,932,000	184,534,000	147,825,000	153,544,000	151,941,000	152,084,000	153,443,000	163,848,000	150,715,000	138,767,000								137,305,000	135,008,000	135,129,000	136,601,000	138,594,000	127,547,000	109,089,000	105,963,000	108,168,000	103,747,000	73,392,000	71,198,000	68,999,000	66,567,000	68,615,000	67,028,000	65,776,000	63,731,000	62,605,000	63,444,000	63,816,000	61,969,000	63,065,000	64,479,000	63,715,000	63,758,000	37,753,000	39,159,000	38,762,000	38,087,000	38,347,000	38,491,000	39,446,000	39,623,000	38,800,000	39,200,000	38,649,000	39,567,000	34,160,000
benefit from credit losses	16,233,000	105,707,000								6,069,000				3,559,000								34,200,000				5,300,000		2,252,750	3,340,000	2,147,000	3,500,000			2,173,000					2,604,000
net interest income after benefit from credit losses	302,977,000	215,664,000								146,015,000				135,208,000								103,105,000				133,294,000		77,147,750	102,623,000	106,021,000	100,247,000			66,826,000					61,127,000
noninterest income:
service charges on deposit accounts	12,838,000	12,220,000	9,683,000	9,832,000	9,792,000	9,086,000	8,569,000	8,663,000	8,557,000	8,118,000	7,902,000	7,631,000	6,784,000	8,040,000								4,930,000	7,578,000	5,582,750	7,675,000	7,499,000	7,158,000	6,873,000	6,483,000	6,189,000	5,894,000	5,267,000	5,153,000	4,963,000	4,829,000	5,042,000	4,965,000	4,754,000	4,734,000	5,104,000	4,965,000	4,622,000	4,214,000	4,440,000	4,458,000	4,525,000	4,298,000	2,272,000	2,390,000	2,222,000	2,291,000	2,130,000	2,258,000	2,294,000	2,216,000	2,058,000	2,310,000	2,243,000	2,381,000	2,171,000
other service charges, commissions and fees	2,325,000	2,245,000	1,762,000	1,811,000	2,002,000	1,967,000	1,731,000	1,789,000	2,632,000	1,693,000	1,746,000	1,631,000	1,770,000	1,709,000								1,354,000	1,624,000																					-155,000	5,055,000	5,412,000	4,671,000	2,807,000	206,000	3,655,000	3,627,000	3,410,000	3,296,000	3,254,000	3,351,000	2,924,000	3,084,000	2,860,000	3,136,000	2,315,000
interchange fees	4,089,000	3,779,000	2,949,000	3,343,000	3,371,000	3,126,000	2,294,000	2,580,000	2,314,000	2,459,000	2,325,000	2,571,000	2,461,000	2,268,000								1,697,000	1,625,000	3,191,250	2,108,000	5,612,000	5,045,000	4,640,000	4,882,000	4,792,000	4,489,000
fiduciary and asset management fees	18,595,000	17,723,000	6,697,000	6,925,000	6,858,000	6,907,000	4,838,000	4,526,000	4,549,000	4,359,000	4,262,000	4,085,000	4,134,000	6,939,000								5,515,000	5,984,000	4,208,500	6,082,000	5,698,000	5,054,000	4,643,000	4,411,000	4,040,000	3,056,000	2,932,000	2,794,000	2,725,000	2,794,000	2,884,000	2,844,000	2,333,000	2,138,000	2,306,000	2,304,000	2,312,000	2,219,000
mortgage banking income	2,811,000	2,821,000	973,000	928,000	1,214,000	1,193,000	867,000	774,000	666,000	449,000	854,000	378,000	1,390,000	2,200,000								5,826,000	2,022,000	1,903,500	3,374,000	2,785,000	1,454,000				2,041,000	2,118,000	2,305,000	2,793,000	2,025,000	2,629,000	3,207,000	2,972,000	2,146,000
gain on sale of securities	4,000	16,000	-102,000	-1,627,500	4,000	-6,516,000	3,000			2,000
bank owned life insurance income	5,116,000	7,327,000	3,537,000	3,555,000	5,037,000	3,791,000	3,245,000	3,088,000	2,973,000	2,870,000	2,828,000	2,649,000	3,445,000	2,716,000								2,027,000	2,049,000	1,547,750	2,062,000	2,075,000	2,055,000	2,072,000	1,732,000	1,728,000	1,667,000	1,307,000	1,377,000	1,335,000	2,125,000	1,391,000	1,389,000	1,361,000	1,372,000	1,162,000	1,161,000	1,134,000	1,135,000
loan-related interest rate swap fees	5,911,000	1,733,000	2,400,000	5,082,000	1,503,000	1,634,000	1,216,000	3,587,000	2,695,000	2,316,000	1,439,000	3,664,000	2,050,000	2,600,000								5,484,000	3,948,000	2,664,000	5,480,000	3,716,000	1,460,000	1,376,000	562,000	898,000	718,000	424,000	416,000	1,031,000	1,180,000
other operating income	62,000	33,658,000	1,264,000	3,734,000	4,505,000	2,624,000	2,789,000	4,949,000	30,302,000	1,931,000	1,672,000	1,891,000	3,550,000	11,814,000								-1,240,000	2,141,000	3,761,250	12,708,000	1,440,000	897,000	2,258,000	1,028,000	861,000	2,998,000	548,000	778,000	455,000	997,000	-2,414,000	2,148,000	2,152,000	1,225,000	1,489,000	1,907,000	1,115,000	1,330,000	-6,555,000	3,715,000	3,382,000	3,138,000	1,211,000	1,210,000	1,067,000	972,000	1,045,000	1,119,000	918,000	884,000	912,000	1,013,000	918,000	1,326,000	704,000
total noninterest income	51,751,000	81,522,000	29,163,000	35,227,000	34,286,000	23,812,000	25,552,000	29,959,000	27,094,000	24,197,000	9,628,000	24,500,000	25,584,000	38,286,000								35,932,000	28,907,000	25,905,250	48,106,000	30,578,000	24,938,000	23,489,000	19,887,000	40,597,000	22,309,000	17,244,000	17,536,000	18,056,000	18,839,000	18,050,000	18,950,000	17,993,000	15,914,000	17,017,000	16,725,000	16,212,000	15,054,000	13,642,000	16,742,000	16,704,000	14,200,000	9,835,000	-918,000	15,552,000	14,410,000	11,818,000	11,723,000	11,544,000	9,963,000	10,547,000	13,105,000	12,353,000	12,101,000	9,739,000
noninterest expenses:
salaries and benefits	108,319,000	109,942,000	75,415,000	71,297,000	69,454,000	68,531,000	61,882,000	56,686,000	57,449,000	62,019,000	60,529,000	58,723,000	56,600,000	55,305,000								49,896,000	50,117,000	37,029,000	49,718,000	50,390,000	48,007,000	38,581,000	39,279,000	40,777,000	42,329,000	29,723,000	29,769,000	30,561,000	32,168,000	30,042,000	30,493,000	28,519,000	28,048,000	25,287,000	25,853,000	25,561,000	27,492,000	24,078,000	26,060,000	28,040,000	29,626,000	17,966,000	7,444,000	21,279,000	20,418,000	19,507,000	18,342,000	18,076,000	17,580,000	17,654,000	17,644,000	17,451,000	17,403,000	15,415,000
occupancy expenses	13,582,000	12,782,000	8,580,000	7,965,000	7,806,000	7,836,000	6,625,000	6,643,000	6,053,000	6,094,000	6,356,000	6,328,000	6,408,000	6,395,000								7,224,000	7,133,000	5,606,750	7,493,000	7,534,000	7,399,000	6,590,000	6,551,000	6,159,000	6,310,000	5,034,000	4,939,000	4,718,000	4,903,000	4,901,000	4,841,000	4,809,000	4,976,000	4,833,000	4,915,000	5,173,000	5,133,000	4,952,000	4,902,000	5,102,000	5,180,000	2,855,000	3,149,000	3,262,000	3,092,000	2,647,000	2,797,000	2,885,000	2,668,000	2,754,000	2,964,000	2,947,000	2,871,000	2,635,000
furniture and equipment expenses	6,536,000	6,344,000	3,914,000	3,783,000	3,685,000	3,805,000	3,309,000	3,517,000	3,449,000	3,565,000	3,752,000	3,978,000	3,673,000	3,590,000								3,406,000	3,741,000	2,664,000	3,719,000	3,542,000	3,396,000	2,967,000	2,983,000	3,103,000	3,033,000	2,621,000	2,559,000	2,720,000	2,603,000	2,608,000	2,635,000	2,595,000	2,636,000	2,856,000	3,015,000	2,989,000	2,813,000	3,317,000	3,050,000	2,637,000	2,868,000	1,845,000	1,811,000	1,809,000	1,868,000	1,763,000	1,823,000	1,756,000	1,679,000	1,662,000	1,720,000	1,691,000	1,781,000	1,402,000
technology and data processing	17,009,000	17,248,000	10,188,000	9,382,000	9,737,000	10,274,000	8,127,000	7,853,000	7,923,000	8,566,000	8,142,000	9,442,000	8,273,000	7,862,000								6,454,000	6,169,000	4,300,750	5,787,000	5,739,000	5,676,000	4,675,000	4,841,000	4,322,000	4,649,000	4,426,000	4,232,000	3,927,000	3,900,000	4,028,000	3,917,000	3,608,000	3,814,000	3,647,000	3,549,000	3,216,000	3,255,000	3,320,000	3,280,000	2,792,000	3,074,000
professional services	8,774,000	7,808,000	4,687,000	5,352,000	3,994,000	4,377,000	3,081,000	4,345,000	3,291,000	4,433,000	3,413,000	4,456,000	3,504,000	4,680,000								2,989,000	3,307,000	2,067,250	2,681,000	2,630,000	2,958,000	2,182,000	2,875,000	2,671,000	2,597,000	2,191,000	1,985,000	2,092,000	1,658,000	1,653,000	1,895,000	2,548,000	1,989,000	1,301,000	1,991,000	1,669,000	1,348,000	1,697,000	1,400,000	1,442,000	1,055,000
marketing and advertising expense	5,100,000	3,757,000	3,184,000	3,517,000	3,308,000	2,983,000	2,318,000	3,019,000	2,219,000	2,817,000	2,351,000	2,228,000	2,343,000	2,502,000								2,043,000	2,739,000	1,972,750	2,600,000	2,908,000	2,383,000	2,209,000	3,109,000	3,288,000	1,443,000	1,875,000	1,944,000	2,279,000	1,740,000	1,946,000	1,975,000	1,924,000	1,938,000	1,374,000	1,781,000	2,372,000	1,687,000	1,585,000	2,064,000	1,692,000	1,065,000
fdic assessment premiums and other insurance	8,817,000	8,642,000	5,201,000	5,156,000	5,282,000	4,675,000	5,143,000	7,630,000	4,258,000	4,074,000	3,899,000	1,897,000	3,094,000	2,765,000								2,907,000	2,861,000	1,405,000	381,000	2,601,000	2,639,000	1,214,000	1,363,000	1,882,000	2,185,000	1,255,000	1,141,000	947,000	706,000	1,403,000	1,262,000	1,379,000	1,362,000	1,346,000	1,351,000	1,280,000	1,398,000	1,562,000	1,577,000	1,593,000	1,393,000
franchise and other taxes	4,669,000	4,688,000	4,643,000	3,594,000	5,256,000	5,013,000	4,501,000	4,505,000	4,510,000	4,499,000	4,498,000	4,500,000	4,507,000	4,500,000
loan-related expenses	1,933,000	1,278,000	1,249,000	1,470,000	1,445,000	1,275,000	1,323,000	1,059,000	1,388,000	1,619,000	1,552,000	1,356,000	1,575,000	1,867,000								2,501,000	2,697,000	1,812,500	2,566,000	2,396,000	2,289,000	2,109,000	1,939,000	1,843,000	1,471,000	1,369,000	1,349,000	1,281,000	1,329,000	1,152,000	1,531,000	855,000	599,000	513,000	935,000	687,000	684,000
amortization of intangible assets	18,145,000	18,433,000	5,398,000	5,614,000	5,804,000	5,995,000	1,895,000	2,094,000	2,193,000	2,216,000	2,279,000	2,381,000	2,480,000	2,915,000								4,223,000	4,401,000	3,479,750	4,764,000	4,937,000	4,218,000	2,954,000	3,490,000	3,215,000	3,181,000	1,427,000	1,480,000	1,544,000	1,637,000	1,742,000	1,843,000	1,745,000	1,880,000	2,010,000	2,074,000	2,138,000	2,222,000	2,333,000	2,391,000	2,455,000	2,616,000
merger-related costs	34,812,000	78,900,000	4,940,000	7,013,000	1,353,000	29,778,000																		6,732,000	2,435,000	6,371,000	18,122,000	2,314,000	1,429,000	8,273,000	27,712,000	1,917,000	732,000
other incomes	10,750,000	9,876,000								5,759,000				6,387,000								4,459,000				3,145,000		1,432,500	2,081,000	2,174,000	1,483,000			1,432,000					1,871,000				2,522,000	-6,742,000	5,652,000		5,187,000
total noninterest expenses	238,446,000	279,698,000	134,184,000	129,675,000	122,582,000	150,005,000	105,273,000	107,929,000	108,508,000	105,661,000	108,274,000	99,790,000	99,923,000	98,768,000								102,814,000	95,645,000	81,005,500	111,687,000	105,608,000	106,728,000	74,533,000	76,349,000	85,140,000	104,008,000	59,944,000	57,496,000	59,930,000	57,395,000	56,267,000	56,913,000	55,251,000	54,272,000	54,477,000	53,325,000	55,241,000	53,840,000	51,375,000	59,921,000	59,475,000	67,781,000	33,501,000	21,582,000	38,318,000	37,764,000	35,609,000	36,352,000	34,637,000	35,872,000	34,767,000	37,069,000	33,984,000	35,148,000	36,800,000
income before income taxes	116,282,000	17,488,000	61,505,000	71,304,000	92,033,000	36,590,000	59,865,000	66,867,000	65,536,000	64,551,000																					18,548,000	27,281,000	28,188,000	24,952,000	25,889,000	28,674,000	26,593,000	26,218,000	22,769,000	23,135,000	24,782,000	21,038,000	21,433,000	20,832,000	19,500,000	19,444,000	10,177,000	12,037,000	13,359,000	13,596,000	11,733,000	11,056,000	11,462,000	12,753,000	9,214,000	8,280,000	5,736,000	11,106,000	12,565,000	2,098,000
income tax expense	24,142,000		11,687,000	13,519,000	15,618,000	11,429,000	10,096,000	9,960,000	11,519,000	9,310,000	7,294,000	11,777,000	11,894,000	12,500,000								5,514,000	985,000	11,227,000	10,724,000	9,356,000	6,249,000	9,043,000	7,399,000	11,678,000	1,909,000	12,095,000	7,530,000	6,996,000	6,765,000	7,897,000	6,192,000	6,881,000	5,808,000	5,320,000	6,566,000	5,690,000	5,732,000	5,760,000	4,576,000	4,664,000	2,362,000	3,054,000	3,917,000	3,970,000	3,313,000	3,133,000	3,102,000	3,682,000	2,394,000	2,086,000	1,312,000	3,033,000		399,000
net income	92,140,000	19,791,000	49,818,000	57,785,000	76,415,000	25,161,000	49,769,000	56,907,000	54,017,000	55,241,000	35,653,000	70,524,000	58,070,000	62,226,000									7,089,000	55,836,000	53,238,000	48,823,000					16,639,000	15,186,000	20,658,000	17,956,000	19,124,000	20,777,000	20,401,000	19,337,000	16,961,000	17,815,000	18,216,000	15,348,000	15,701,000	15,072,000	14,924,000	14,780,000	7,815,000	8,983,000	9,442,000	9,626,000	8,420,000	7,923,000	8,360,000	9,071,000	6,820,000	6,194,000	4,424,000	8,073,000	8,726,000	1,699,000
yoy	20.58%	-21.34%	0.10%	1.54%	41.46%	-54.45%	39.59%	-19.31%	-6.98%	-11.23%																					-12.99%	-26.91%	1.26%	-7.14%	12.75%	16.63%	11.99%	25.99%	8.02%	18.20%	22.06%	3.84%	100.91%	67.78%	58.06%	53.54%	-7.19%	13.38%	12.94%	6.12%	23.46%	27.91%	88.97%	12.36%	-21.84%	264.57%
qoq	365.57%	-60.27%	-13.79%	-24.38%	203.70%	-49.44%	-12.54%	5.35%	-2.22%	54.94%	-49.45%	21.45%	-6.68%										-87.30%	4.88%	9.04%						9.57%	-26.49%	15.05%	-6.11%	-7.96%	1.84%	5.50%	14.01%	-4.79%	-2.20%	18.69%	-2.25%	4.17%	0.99%	0.97%	89.12%	-13.00%	-4.86%	-1.91%	14.32%	6.27%	-5.23%	-7.84%	33.01%	10.11%	40.01%	-45.20%	-7.48%	413.60%
dividends on preferred stock	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000	2,967,000
net income available to common shareholders	89,173,000	16,824,000	46,851,000	54,818,000	73,448,000	22,194,000	46,802,000	53,940,000	51,050,000	52,274,000	32,686,000	67,557,000	55,103,000	59,259,000	40,723,000	44,812,000	71,598,000	82,417,000	53,222,000	-95,954,430	58,309,000	30,709,000																											6,492,250	9,626,000	8,420,000	7,923,000	5,126,000	8,543,000	6,293,000	5,668,000	4,277,000	7,549,000	8,214,000	1,345,000

basic earnings per common share	630	120	530	610	820	250	620	720	680	700	440	900	740	790	540	600	940	1,050	670	-1,218.07	740	390	90	430	650	590					250	350	470	410	440	480	470	440	380	400	400	340
diluted earnings per common share	630	120	520	560	820	250	620	720	680	700	440	900	740	790	540	600	940	1,050	670	-1,218.07	740	390	90	430	650	590					250	350	470	410	440	480	470	440	380	400	400	340
dividends declared per common share	340	340	340	340	320	320	320	320	300	300	300	300	300	280	280	280	280	280	250	-749	250	250	250	177.5	250	230					210	210	200	200	200	200	190	190	190	190	170	170	150
basic weighted-average number of common shares outstanding	141,728,909,000	141,680,472,000	89,222,296,000	86,149,978,000	89,780,531,000	89,768,466,000	75,197,113,000	74,961,390,000	74,999,128,000	74,995,450,000	74,832,141,000	74,949,109,000	74,703,699,000	74,847,899,000		77,399,902,000						78,711,765,000	79,290,352,000		81,769,193,000	82,062,585,000					65,554,630,000	43,698,897,000	43,706,635,000	43,693,427,000	43,654,498,000	43,784,193,000	43,565,937,000	43,746,583,000	44,251,276,000	45,054,938,000	45,087,409,000	45,128,698,000
diluted weighted-average number of common shares outstanding	141,986,217,000	141,738,325,000	90,072,795,000	87,909,237,000	89,780,531,000	89,768,466,000	75,197,376,000	74,962,363,000	74,999,128,000	74,995,557,000	74,835,514,000	74,953,398,000	74,705,054,000	74,849,871,000		77,417,801,000						78,722,690,000	79,317,382,000		81,832,868,000	82,125,194,000					65,636,262,000	43,779,744,000	43,792,058,000	43,783,952,000	43,725,923,000	43,890,271,000	43,754,915,000	43,824,183,000	44,327,229,000	45,138,891,000	45,171,610,000	45,209,814,000
income tax (benefit) expense		-2,303,000
provision for credit losses			17,638,000	17,497,000	2,603,000	21,751,000	8,239,000	8,707,000	4,991,000		11,850,000	6,257,000	6,412,000										60,196,000	2,900,000	9,100,000		3,792,000					1,836,250	3,050,000		2,122,000	1,724,000	2,472,000	2,300,000		1,890,250	2,062,000	3,749,000
net interest income after provision for credit losses			166,526,000	165,752,000	180,329,000	162,783,000	139,586,000	144,837,000	146,950,000		141,593,000	157,591,000	144,303,000										74,812,000	132,229,000	127,501,000		123,755,000					49,855,000	68,148,000		64,445,000	66,891,000	64,556,000	63,476,000		45,417,000	61,382,000	60,067,000
other expenses			6,785,000	5,532,000	5,458,000	5,463,000	7,069,000	10,578,000	15,775,000		11,503,000	4,501,000	7,466,000										4,811,000	1,912,500	3,114,000		1,802,000					989,250	1,366,000		1,159,000	1,628,000	2,421,000	1,656,000		2,320,500	2,679,000	2,806,000				5,466,000
loss on sale of securities								-10,248,000	-27,594,000		-13,400,000
income from continuing operations before income taxes											42,947,000	49,413,250	69,964,000	74,726,000								36,223,000	8,074,000	41,037,500	63,920,000	58,264,000	41,965,000	53,320,000	46,161,000	61,478,000
loss on debt extinguishment																						10,306,000		4,099,250	16,397,000
other taxes																						4,120,000	4,120,000	2,944,750	3,971,000	4,044,000	3,764,000	2,882,000	2,878,000	2,895,000	2,886,000	2,022,000	2,022,000	2,022,000	2,022,000	1,592,000	639,000	1,607,000	1,618,000	1,553,000	1,569,000	1,554,000	1,551,000
gains on securities transactions																						10,339,000	1,936,000	1,826,500	7,104,000	51,000	151,000	161,000	97,000	-88,000	213,000	18,000	184,000	117,000	481,000	60,000		3,000	143,000	814,000	75,000	404,000	193,000	246,000	995,000	426,000	29,000		186,000	-1,000	10,000		430,000	499,000		-16,000	-4,000	38,000	5,000	19,000
oreo and credit-related expenses																						411,000	688,000	790,500	1,005,000	1,473,000	684,000	1,025,000	452,000	1,122,000	1,532,000	1,741,000	1,139,000	342,000	541,000	637,000	503,000	894,000	569,000	4,496,000	1,263,000	1,965,000	1,186,000	-90,000	6,559,000	2,244,000	1,451,000
printing, postage, and supplies																						999,000	1,290,000	940,750	1,268,000	1,252,000	1,242,000	1,125,000	1,183,000	1,282,000	1,073,000	1,252,000	1,154,000	1,406,000	1,150,000	1,126,000	1,147,000	1,280,000	1,139,000	1,154,000	1,191,000	1,408,000	1,370,000
training and other personnel costs																						876,000	1,571,000	1,060,000	1,618,000	1,477,000	1,144,000	1,104,000	1,024,000	1,125,000	1,027,000	1,034,000	887,000	1,043,000	969,000	923,000	863,000	905,000	744,000
rebranding expense																								1,388,250	1,133,000	4,012,000
income from continuing operations																				-98,639,772	61,000,000	30,709,000	7,089,000	55,878,000	53,196,000	48,908,000	35,716,000	44,277,000	38,762,000	49,800,000
discontinued operations:
income from operations of discontinued mortgage segment																								-43,250	56,000	-114,000
income tax benefit																										-29,000																																	3,839,000
income on discontinued operations																								-32,000	42,000	-85,000
other service charges and fees																								1,219,750	1,513,000	1,702,000	1,664,000	1,034,250	1,625,000	1,278,000	1,233,000	3,393,750	4,529,000	4,637,000	4,408,000	3,242,750	4,397,000	4,418,000	4,156,000	2,904,500	3,983,000	4,051,000	3,584,000
gain on shore premier sale																													-933,000	20,899,000
communications expense																								799,750	1,037,000	1,157,000	1,005,000	922,000	872,000	1,009,000	1,097,000	739,000	798,000	872,000	910,000	886,000	948,000	927,000	1,089,000	1,153,000	1,159,000	1,143,000	1,179,000	1,162,000	1,291,000	1,351,000	1,098,000
acquisition and conversion costs																																		2,744,000										821,000	1,695,000	4,661,000	13,168,000
interest on federal funds purchased																																				1,250	2,000	2,000	2,000		1,000	4,000	1,000	1,000	3,000	23,000	24,000	15,000	21,000	28,000	1,000					7,000	14,000	5,000		14,000
other-than-temporary impairment losses																																									-300,000													-400,000
interest on federal funds sold																																								250										1,000				1,000				2,000	3,000	12,000
gains on sales of mortgage loans, net of commissions																																								1,895,500	2,630,000	2,574,000	2,379,000	1,782,000	2,598,000	3,030,000	2,297,000	3,852,000
branch closure expenses																																										1,280,000
benefit from loan losses																																											1,750,000	4,500,000	1,800,000			2,050,000	3,300,000	2,400,000	3,000,000	3,500,000	2,400,000	3,600,000	4,500,000	6,300,000	9,500,000	5,912,000	3,955,000	5,001,000
net interest income after benefit from loan losses																																											60,219,000	58,565,000	62,679,000		63,758,000	35,703,000	35,859,000	36,362,000	35,087,000	34,847,000	36,091,000	35,846,000	35,123,000	32,500,000	29,700,000	32,737,000	35,612,000	29,159,000
earnings per common share:
basic																																											350
diluted																																											350
weighted-average number of common shares outstanding:
basic																																											45,105,969,000
diluted																																											45,187,516,000
losses on sales of bank premises																																												-96,000	-79,000	-71,000	-233,000	-296,000
earnings per common share, basic																																												330	330	320	170	360	370	370	320	310	280	330	240	220	150	290	320	60
earnings per common share, diluted																																												330	330	320	170	360	370	370	320	310	280	330	240	220	150	290	320	60
provision for loan losses																																														1,500,000
net interest income after provision for loan losses																																														62,215,000
losses on securities transactions																																																-11,000				-5,000
other operating expenses																																																10,835,000	9,178,000	11,968,000	12,386,000	11,692,000	13,390,000	11,920,000	13,945,000	12,697,000	14,741,000	11,895,000	13,093,000	17,348,000
gains on sales of mortgage loans																																																	5,382,250	8,918,000	7,315,000
gains on bank premises																																																	8,500	-309,000
dividends paid and accumulated on preferred stock																																																					346,500	462,000	462,000	462,000	306,750	462,000	462,000	303,000
accretion of discount on preferred stock																																																					48,750	66,000	65,000	64,000	40,750	62,000	50,000	51,000
losses (gains) on sales of other real estate and bank premises																																																			195,000
gains on sales of loans																																																				5,296,000	5,708,000	4,861,000	4,303,000	4,968,000	6,450,000	5,962,000	5,248,000	4,491,000
losses on sales of other real estate and bank premises																																																				-58,000
gains on sales of other real estate and bank premises																																																					-243,000	118,000	-791,000	-299,000	94,000	332,000	5,000	39,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-04-01	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	2021-09-30	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	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	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31

assets																				19,628,449,000				17,562,990,000
cash and cash equivalents:
cash and due from banks	342,490,000	337,974,000	194,083,000	196,435,000	232,222,000	233,065,000		168,850,000	196,754,000	233,526,000	199,778,000	187,106,000	216,384,000	177,969,000	158,902,000	178,225,000	255,648,000	268,682,000	155,972,000		178,563,000	202,947,000	197,521,000		218,584,000	171,441,000	165,041,000	166,927,000	143,693,000	153,078,000	137,761,000	117,586,000	115,776,000	135,759,000	120,216,000	120,758,000	103,979,000	128,896,000	95,462,000	111,323,000	102,955,000	109,480,000	112,793,000	112,752,000	112,891,000	136,799,000	52,017,000	71,426,000	52,095,000	57,245,000	62,345,000	69,786,000	62,546,000	61,465,000	54,403,000	58,951,000	76,981,000	56,385,000	54,984,000	38,725,000
interest-bearing deposits in other banks	447,323,000	1,246,294,000	236,094,000	153,695,000	291,163,000	207,129,000		225,386,000	167,601,000	159,718,000	227,015,000	184,371,000	102,107,000	211,785,000	82,086,000							636,211,000			370,673,000	146,514,000	116,900,000	94,056,000	130,098,000	417,423,000	196,456,000	81,291,000	60,294,000	45,473,000	62,656,000	58,030,000	51,303,000	87,887,000	37,227,000	29,670,000	76,001,000	26,333,000	24,256,000	19,344,000	35,489,000	21,769,000	24,715,000	11,320,000	10,081,000	14,975,000	48,504,000	26,556,000	86,872,000	1,583,000	30,050,000	1,449,000	2,329,000	77,375,000	62,918,000	4,106,000
federal funds sold	4,852,000	4,380,000	3,961,000	3,944,000	4,685,000	5,820,000		2,434,000	13,776,000	5,701,000	1,474,000	719,000	1,457,000	1,188,000	388,000							2,862,000			2,663,000	2,523,000	1,652,000	216,000	8,421,000	7,552,000	8,246,000	496,000	891,000	678,000	947,000	449,000	893,000	251,000	650,000	1,667,000	237,000	1,019,000	312,000	1,163,000	311,000	311,000	160,000	155,000	157,000	163,000	155,000	162,000	160,000	159,000	175,000	595,000	685,000	1,796,000	9,887,000	355,000
total cash and cash equivalents	794,665,000	1,588,648,000	434,138,000	354,074,000	528,070,000	446,014,000		396,670,000	378,131,000	398,945,000	428,267,000	372,196,000	319,948,000	390,942,000	241,376,000							842,020,000			591,920,000	320,478,000	283,593,000	261,199,000	282,212,000	578,053,000	342,463,000	199,373,000	176,961,000	181,910,000	183,819,000	179,237,000	156,175,000	217,034,000	133,339,000	142,660,000	179,194,000	136,833,000	137,362,000	133,260,000	148,692,000	158,880,000	76,893,000	82,902,000	62,334,000	72,384,000	111,183,000	96,659,000	149,777,000	63,234,000	84,806,000	61,153,000	80,138,000	135,734,000	130,513,000	45,911,000
securities available for sale, at fair value	4,267,523,000	3,809,281,000	2,483,835,000	2,442,166,000	2,608,182,000	2,555,723,000		2,202,216,000	2,231,261,000	2,084,928,000	2,182,448,000	2,252,365,000	2,741,816,000	2,717,323,000	2,951,421,000					2,540,419,000		2,019,164,000		1,945,445,000	1,918,859,000	1,999,494,000	2,109,062,000	1,774,821,000	1,883,141,000	1,558,048,000	1,253,179,000	974,222,000	968,361,000	960,537,000	953,058,000	946,764,000	954,984,000	949,663,000	939,409,000	903,292,000	888,692,000	888,362,000	1,089,664,000	1,102,114,000	1,095,636,000	1,094,777,000	583,217,000	585,382,000	622,067,000	627,543,000	621,751,000	640,827,000	606,485,000	591,060,000	582,394,000	572,441,000	576,040,000	556,926,000	529,351,000	400,591,000
securities held to maturity, at carrying value	883,786,000	827,135,000	821,059,000	803,851,000	807,080,000	810,450,000		828,928,000	837,378,000	843,269,000	849,610,000	855,418,000	847,732,000	841,349,000	780,749,000					544,851,000		547,561,000		555,144,000	556,579,000	558,503,000	559,380,000	492,272,000	235,333,000	47,604,000	198,733,000	199,639,000	204,801,000	205,630,000	203,478,000	201,526,000	200,839,000	202,917,000	204,444,000	205,374,000	199,363,000	201,072,000
restricted stock, at cost	159,320,000	140,606,000	100,312,000	102,954,000	117,881,000	125,308,000		110,272,000	115,472,000	104,785,000	111,178,000	87,616,000	120,213,000	82,050,000	87,908,000							105,832,000			132,310,000	145,859,000	135,911,000	124,602,000	112,390,000	104,837,000	105,261,000	75,283,000	68,441,000	69,631,000	65,402,000	60,782,000	63,204,000	62,206,000	58,211,000	51,828,000	52,721,000	50,171,000	53,146,000	54,854,000	48,554,000	47,204,000	17,956,000	20,687,000	20,687,000	19,291,000	20,715,000
loans held for sale	24,772,000	32,987,000	9,525,000	9,420,000	11,078,000	12,906,000		12,200,000	6,710,000	6,608,000	10,327,000	14,213,000																									46,814,000	38,114,000	25,109,000	36,030,000	65,713,000	39,450,000	46,048,000	42,519,000	31,469,000	63,622,000	127,106,000	167,698,000	141,965,000	100,066,000	73,575,000	74,823,000	61,786,000	50,420,000	50,584,000	73,974,000	84,381,000	74,722,000	50,633,000	54,280,000
loans held for investment, net of deferred fees and costs	27,361,173,000	27,328,333,000	18,427,689,000	18,470,621,000	18,337,299,000	18,347,190,000		15,851,628,000	15,635,043,000	15,283,620,000	15,066,930,000	14,584,280,000	14,449,142,000	13,918,720,000	13,655,408,000					14,021,314,000		14,308,646,000		12,610,936,000	12,306,997,000	12,220,514,000	11,952,310,000				9,805,723,000	7,141,552,000	6,898,729,000	6,771,490,000	6,554,046,000	6,307,060,000	6,148,918,000	5,941,098,000	5,780,502,000	5,671,462,000	5,543,621,000	5,510,385,000	5,387,755,000
less: allowance for loan and lease losses	293,035,000	315,574,000	193,796,000	178,644,000	160,685,000	158,131,000		136,190,000	132,182,000	125,627,000	120,683,000	116,512,000	110,768,000	108,009,000	104,184,000
total loans held for investment	27,068,138,000	27,012,759,000	18,233,893,000	18,291,977,000	18,176,614,000	18,189,059,000		15,715,438,000	15,502,861,000	15,157,993,000	14,946,247,000	14,467,768,000	14,338,374,000	13,810,711,000	13,551,224,000							14,138,669,000						9,675,162,000
premises and equipment	168,315,000	164,828,000	111,876,000	112,704,000	115,093,000	114,987,000		90,126,000	90,959,000	94,510,000	114,786,000	116,466,000	118,243,000	126,374,000	128,661,000							164,321,000			168,122,000	168,514,000	172,522,000	146,967,000	155,001,000	160,508,000	163,076,000	119,981,000	120,808,000	121,842,000	122,512,000	122,027,000	123,416,000	124,032,000	125,357,000	126,028,000	129,191,000	132,681,000	134,429,000
goodwill	1,726,386,000	1,710,912,000	1,214,053,000	1,214,053,000	1,212,710,000	1,207,484,000		925,211,000	925,211,000	925,211,000	925,211,000	925,211,000	925,211,000	925,211,000	925,211,000							935,560,000			929,815,000	930,449,000	927,760,000	727,168,000	727,699,000	725,195,000	724,106,000	298,528,000	298,191,000	298,191,000	298,191,000	298,191,000	298,191,000	297,659,000	293,522,000	293,522,000	293,522,000	293,522,000	293,522,000	293,522,000	296,876,000	296,876,000	59,400,000	59,400,000	59,400,000	59,400,000	59,400,000	59,400,000	59,400,000	59,400,000	57,567,000	57,567,000	57,567,000	57,567,000	57,567,000	56,474,000
amortizable intangibles	333,236,000	351,381,000	79,165,000	84,563,000	90,176,000	95,980,000		17,288,000	19,183,000	21,277,000	23,469,000	24,482,000	26,761,000	29,142,000	31,621,000							65,105,000			78,241,000	82,976,000	88,553,000	48,685,000	51,563,000	51,211,000	50,092,000	14,803,000	16,017,000	17,422,000	18,965,000	20,602,000
bank owned life insurance	669,102,000	665,477,000	496,933,000	493,396,000	489,759,000	489,550,000		455,885,000	452,565,000	449,452,000	446,441,000	443,537,000	440,656,000	437,988,000	436,703,000							327,075,000			320,779,000	318,734,000	317,990,000	263,034,000	261,874,000	260,124,000	258,381,000	182,854,000	181,451,000	180,110,000	178,774,000	179,318,000	177,847,000	176,413,000	175,033,000	173,687,000	142,433,000	141,284,000	140,143,000	139,005,000
other assets	977,490,000	985,357,000	647,822,000	676,165,000	647,080,000	713,952,000		623,886,000	606,466,000	649,258,000	564,348,000	544,098,000	578,248,000	576,252,000	511,059,000							551,943,000			408,162,000	392,454,000	361,580,000	250,210,000	262,716,000	251,878,000	251,081,000	99,854,000	93,178,000	96,021,000	100,508,000	101,907,000	91,460,000	93,433,000	96,408,000	84,846,000	85,718,000	86,674,000	82,500,000	85,165,000	223,821,000	223,396,000	113,445,000	113,844,000	114,413,000	111,697,000	111,569,000	112,699,000	112,395,000	115,278,000	116,381,000	119,636,000	110,127,000	112,453,000	115,199,000	77,355,000
total assets	37,072,733,000	37,289,371,000	24,632,611,000	24,585,323,000	24,803,723,000	24,761,413,000		21,378,120,000	21,166,197,000	20,736,236,000	20,602,332,000	20,103,370,000	20,461,138,000	19,950,231,000	19,661,799,000	19,782,430,000	19,935,657,000	19,989,356,000	19,854,612,000		19,930,650,000	19,752,317,000	17,847,376,000		17,441,035,000	17,159,384,000	16,897,655,000	13,765,599,000	13,371,742,000	13,066,106,000	13,149,292,000	9,315,179,000	9,029,436,000	8,915,187,000	8,669,920,000	8,426,793,000	8,258,230,000	8,100,561,000	7,832,611,000	7,693,291,000	7,594,313,000	7,497,706,000	7,388,559,000	7,359,171,000	7,194,334,000	7,307,080,000	4,051,135,000	4,095,865,000	4,028,193,000	3,982,288,000	3,947,799,000	3,907,087,000	3,914,457,000	3,851,524,000	3,812,700,000	3,837,247,000	3,859,323,000	3,874,199,000	3,849,699,000	2,587,272,000
liabilities
noninterest-bearing demand deposits	7,104,642,000	7,039,121,000	4,471,173,000	4,277,048,000	4,422,909,000	4,527,248,000		3,845,191,000	3,963,181,000	4,144,949,000	4,310,306,000	4,578,009,000	4,883,239,000	5,290,938,000	5,361,538,000	5,370,063,000	5,328,838,000	5,222,572,000	5,066,399,000		4,420,665,000	4,345,960,000	3,067,573,000		3,155,174,000	3,014,896,000	2,964,113,000	2,094,607,000	2,189,887,000	2,192,927,000	2,057,425,000	1,502,208,000	1,535,149,000	1,501,570,000	1,490,799,000	1,393,625,000	1,442,268,000	1,392,734,000	1,363,243,000	1,372,937,000	1,338,045,000	1,289,676,000	1,274,935,000	1,199,378,000	1,204,343,000	1,198,919,000	665,992,000	645,901,000	604,274,000	591,757,000	564,811,000	534,535,000	542,692,000	520,511,000	507,565,000	484,867,000	495,779,000	514,301,000	488,426,000	294,222,000
interest-bearing deposits	23,560,682,000	23,933,054,000	16,031,701,000	16,120,571,000	15,882,378,000	15,473,629,000		13,433,244,000	12,854,948,000	12,641,556,000	12,101,681,000	11,877,901,000	11,048,438,000	11,255,278,000	10,767,097,000							11,259,179,000			9,889,538,000	9,500,648,000	9,525,217,000	7,876,353,000	7,644,808,000	7,604,345,000	7,620,530,000	5,489,510,000	5,346,677,000	5,262,864,000	5,123,396,000	4,985,864,000	4,816,238,000	4,703,092,000	4,582,739,000	4,590,999,000	4,480,808,000	4,494,798,000	4,395,293,000	4,439,392,000	4,429,707,000	4,535,644,000
total deposits	30,665,324,000	30,972,175,000	20,502,874,000	20,397,619,000	20,305,287,000	20,000,877,000		17,278,435,000	16,818,129,000	16,786,505,000	16,411,987,000	16,455,910,000	15,931,677,000	16,546,216,000	16,128,635,000							15,605,139,000			13,044,712,000	12,515,544,000	12,489,330,000	9,970,960,000	9,834,695,000	9,797,272,000	9,677,955,000	6,991,718,000	6,881,826,000	6,764,434,000	6,614,195,000	6,379,489,000	6,258,506,000	6,095,826,000	5,945,982,000	5,963,936,000	5,818,853,000	5,784,474,000	5,670,228,000	5,638,770,000	5,634,050,000	5,734,563,000	3,311,749,000	3,297,767,000	3,199,779,000	3,218,986,000	3,215,707,000	3,175,105,000	3,134,876,000	3,083,053,000	3,066,616,000	3,070,059,000	3,074,195,000	3,095,474,000	3,072,015,000	1,916,364,000
securities sold under agreements to repurchase	91,630,000	127,351,000	57,018,000	56,275,000	59,227,000	64,585,000		66,405,000	110,833,000	134,936,000	130,461,000	163,760,000	142,837,000	146,182,000	118,658,000							77,216,000			67,260,000	70,870,000	73,774,000	39,197,000	40,624,000	50,299,000	31,593,000	49,152,000	43,337,000	34,543,000	44,587,000	59,281,000	64,225,000	121,262,000	91,977,000	84,977,000	99,417,000	119,680,000	39,434,000	44,393,000	33,517,000	42,276,000	72,047,000	54,270,000	94,616,000	75,394,000	53,043,000	62,995,000	70,450,000	77,324,000	66,225,000	69,467,000	69,693,000	77,829,000	73,307,000	50,550,000
other short-term borrowings				60,000,000	375,000,000	725,500,000		600,000,000	810,000,000	495,000,000	799,400,000	245,000,000	1,176,000,000	133,800,000	290,000,000										344,600,000	618,050,000	939,700,000	1,048,600,000	1,016,250,000	742,900,000	1,022,000,000	745,000,000	574,000,000	602,000,000	522,500,000	517,500,000	601,500,000	557,000,000	466,000,000	304,000,000	332,000,000	261,000,000	335,000,000	343,000,000	195,000,000	200,000,000		78,000,000	59,500,000					2,900,000		23,500,000	41,200,000	35,000,000	45,000,000	115,201,000
long-term borrowings	768,682,000	765,416,000	418,667,000	418,303,000	417,937,000	416,649,000		391,319,000	391,025,000	390,733,000	390,440,000	390,150,000	389,863,000	389,576,000	389,290,000							1,047,814,000			1,137,321,000	1,220,251,000	739,629,000	668,481,000	497,768,000	507,077,000	481,433,000	425,262,000	434,750,000	434,260,000	413,779,000	413,308,000	259,902,000	274,547,000	291,662,000	291,198,000	290,732,000	300,294,000	299,914,000	299,542,000	299,162,000	298,786,000	137,364,000	136,815,000	136,260,000	155,625,000	155,503,000	155,381,000	155,258,000	155,136,000	155,014,000	154,892,000	154,864,000	155,082,000	155,462,000	140,000,000
other liabilities	630,039,000	591,790,000	468,836,000	510,247,000	463,856,000	510,116,000		493,033,000	479,883,000	540,261,000	445,574,000	408,314,000	448,024,000	453,307,000	343,740,000							403,922,000			321,348,000	221,353,000	194,565,000	112,093,000	99,757,000	99,327,000	105,234,000	57,718,000	54,152,000	49,081,000	59,228,000	56,183,000	73,133,000	62,725,000	56,012,000	53,813,000	58,299,000	44,124,000	57,067,000	55,441,000	54,932,000	54,486,000	38,892,000	32,840,000	34,779,000	38,537,000	37,132,000	31,657,000	41,982,000	29,685,000	29,046,000	30,934,000	28,465,000	28,197,000	28,804,000	22,759,000
total liabilities	32,155,675,000	32,456,732,000	21,447,395,000	21,442,444,000	21,621,307,000	21,717,727,000		18,829,192,000	18,609,870,000	18,347,435,000	18,177,862,000	17,663,134,000	18,088,401,000	17,669,081,000	17,270,323,000					16,919,958,000		17,134,091,000		15,049,888,000	14,916,004,000	14,647,089,000	14,438,190,000	11,841,018,000	11,491,713,000	11,201,236,000	11,318,215,000	8,268,850,000	7,988,065,000	7,884,318,000	7,654,289,000	7,425,761,000	7,257,266,000	7,111,360,000	6,851,633,000	6,697,924,000	6,599,301,000	6,509,572,000	6,401,643,000	6,381,146,000	6,216,661,000	6,330,111,000	3,620,362,000	3,660,002,000	3,585,244,000	3,548,852,000	3,521,695,000	3,485,448,000	3,462,876,000	3,408,408,000	3,377,211,000	3,409,162,000	3,428,727,000	3,451,892,000	3,434,898,000	2,305,184,000
commitments and contingencies
stockholders' equity
preferred stock, 10.00 par value	173,000	173,000	173,000	173,000	173,000	173,000		173,000	173,000	173,000	173,000	173,000	173,000	173,000	173,000							173,000
common stock	188,504,000	188,454,000	118,823,000	118,519,000	118,494,000	118,475,000		99,399,000	99,147,000	99,120,000	99,088,000	99,072,000	98,873,000	98,845,000	98,822,000							104,126,000			107,330,000	108,560,000	108,475,000	87,250,000	87,192,000	87,129,000	87,091,000	57,744,000	57,708,000	57,643,000	57,629,000	57,506,000	57,444,000	57,537,000	57,850,000	59,159,000	59,514,000	59,672,000	59,721,000	59,795,000	60,267,000	60,731,000	32,869,000	33,510,000	34,433,000	34,415,000	34,396,000	34,672,000	34,581,000	34,569,000	34,559,000	34,532,000	34,460,000	34,451,000	34,440,000	24,462,000
additional paid-in capital	3,882,830,000	3,876,831,000	2,280,300,000	2,280,547,000	2,277,024,000	2,273,312,000		1,782,809,000	1,782,286,000	1,779,281,000	1,776,494,000	1,773,118,000	1,772,440,000	1,769,858,000	1,767,063,000							1,911,985,000			1,831,667,000	1,862,716,000	1,859,588,000	1,380,259,000	1,378,940,000	1,376,294,000	1,373,997,000	610,001,000	608,884,000	607,666,000	606,078,000	605,397,000	603,785,000	605,018,000	610,084,000	631,822,000
retained earnings	1,128,659,000	1,087,967,000	1,119,635,000	1,103,326,000	1,079,032,000	1,034,313,000		1,040,845,000	1,018,070,000	988,133,000	959,582,000	929,806,000	919,537,000	874,393,000	841,701,000							540,638,000			545,665,000	512,952,000	483,005,000	467,345,000	438,513,000	415,492,000	382,299,000	379,468,000	373,468,000	361,552,000	352,335,000	341,938,000	329,876,000	317,747,000	306,685,000	298,134,000	288,841,000	278,297,000	270,618,000	262,532,000	254,260,000	246,178,000	221,330,000	215,634,000	209,308,000	202,278,000	195,933,000	189,824,000	184,845,000	178,125,000	173,655,000	169,801,000	167,718,000	161,726,000	155,067,000	155,047,000
accumulated other comprehensive loss	-283,108,000	-320,786,000	-333,715,000	-359,686,000	-292,307,000	-382,587,000		-374,298,000		-477,906,000	-410,867,000	-361,933,000
total stockholders' equity	4,917,058,000	4,832,639,000	3,185,216,000	3,142,879,000	3,182,416,000	3,043,686,000		2,548,928,000	2,556,327,000	2,388,801,000	2,424,470,000	2,440,236,000	2,372,737,000	2,281,150,000	2,391,476,000					2,708,490,000		2,618,226,000			2,525,031,000	2,512,295,000	2,459,465,000	1,924,581,000	1,880,029,000	1,864,870,000	1,831,077,000	1,046,329,000	1,041,371,000	1,030,869,000	1,015,631,000	1,001,032,000	1,000,964,000	989,201,000	980,978,000	995,367,000	995,012,000	988,134,000	986,916,000	978,025,000	977,673,000	976,969,000
total liabilities and stockholders' equity	37,072,733,000	37,289,371,000	24,632,611,000	24,585,323,000	24,803,723,000	24,761,413,000		21,378,120,000	21,166,197,000	20,736,236,000	20,602,332,000	20,103,370,000	20,461,138,000	19,950,231,000	19,661,799,000	19,782,430,000	19,935,657,000	19,989,356,000	19,854,612,000		19,930,650,000	19,752,317,000	17,847,376,000		17,441,035,000	17,159,384,000	16,897,655,000	13,765,599,000	13,371,742,000	13,066,106,000	13,149,292,000	9,315,179,000	9,029,436,000	8,915,187,000	8,669,920,000	8,426,793,000	8,258,230,000	8,100,561,000	7,832,611,000	7,693,291,000	7,594,313,000	7,497,706,000	7,388,559,000	7,359,171,000	7,194,334,000	7,307,080,000
														2,022,000											2,019,000
common shares outstanding	141,732,071,000	141,694,720,000	89,340,541,000	89,770,231,000	89,774,392,000	89,769,734,000		75,381,740,000	75,023,327,000	74,997,132,000	74,998,075,000	74,989,228,000	74,712,622,000	74,703,774,000	74,688,314,000							78,713,056,000
common shares authorized	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000		200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000	200,000,000,000							200,000,000,000
preferred shares outstanding	17,250,000	17,250,000	17,250,000	17,250,000	17,250,000	17,250,000		17,250,000	17,250,000	17,250,000	17,250,000	17,250,000	17,250,000	17,250,000	17,250,000					17,250,000		17,250,000
preferred shares authorized	500,000,000	500,000,000	500,000,000	500,000,000	500,000,000	500,000,000		500,000,000	500,000,000	500,000,000	500,000,000	500,000,000	500,000,000	500,000,000	500,000,000							500,000,000
how we addressed the matter in our audit

description of the matter
accumulated other comprehensive income									-343,349,000				-418,286,000	-462,119,000	-316,283,000							61,304,000			40,369,000	28,067,000	8,397,000	-10,273,000	-24,616,000	-14,045,000	-12,310,000	-884,000	1,311,000	4,008,000	-411,000	-3,809,000	9,859,000	8,899,000	6,359,000	6,252,000	8,146,000	9,229,000	14,695,000	12,255,000	11,968,000	10,881,000	8,270,000	10,084,000	12,984,000	11,010,000	10,512,000	9,650,000	11,037,000	9,698,000	6,831,000	3,571,000	9,099,000	7,156,000	6,570,000	4,443,000
loans held for sale, at fair value													3,936,000	12,889,000	15,866,000							55,067,000			72,208,000	62,908,000	28,712,000				27,727,000	40,662,000	30,896,000	41,135,000	19,976,000	36,487,000
interest and dividend income:
interest and fees on loans														144,673,000											156,651,000
interest on deposits in other banks														941,000											1,030,000
interest and dividends on securities:
taxable														14,750,000											12,625,000
nontaxable														10,792,000											8,039,000
total interest and dividend income														171,156,000											178,345,000
interest expense:
interest on deposits														15,386,000											30,849,000
interest on short-term borrowings														1,229,000											2,200,000
interest on long-term borrowings														3,826,000											8,695,000
total interest expense														20,441,000											41,744,000
net interest income														150,715,000						555,298,000				537,872,000	136,601,000
benefit from credit losses														6,412,000						87,141,000				21,092,000	9,100,000
net interest income after benefit from credit losses														144,303,000						468,157,000				516,780,000	127,501,000
noninterest income:
service charges on deposit accounts														6,784,000											7,675,000
other service charges, commissions and fees														1,770,000
interchange fees														2,461,000											2,108,000
fiduciary and asset management fees														4,134,000											6,082,000
mortgage banking income														1,390,000											3,374,000
bank owned life insurance income														3,445,000											2,062,000
loan-related interest rate swap fees														2,050,000											5,480,000
other operating income														3,550,000											12,708,000
total noninterest income														25,584,000											48,106,000
noninterest expenses:
salaries and benefits														56,600,000											49,718,000
occupancy expenses														6,408,000											7,493,000
furniture and equipment expenses														3,673,000											3,719,000
technology and data processing														8,273,000											5,787,000
professional services														3,504,000											2,681,000
marketing and advertising expense														2,343,000											2,600,000
fdic assessment premiums and other insurance														3,094,000											381,000
franchise and other taxes														4,507,000
loan-related expenses														1,575,000											2,566,000
amortization of intangible assets														2,480,000											4,764,000
loss on debt extinguishment																									16,397,000
other incomes														7,466,000											3,114,000
total noninterest expenses														99,923,000											111,687,000
income from continuing operations before income taxes														69,964,000											63,920,000
income tax expense														11,894,000						28,066,000				37,557,000	10,724,000
net income														58,070,000										193,528,000	53,238,000
dividends on preferred stock														2,967,000
net income available to common shareholders														55,103,000						152,570,000
basic earnings per common share														740											650
diluted earnings per common share														740											650
dividends declared per common share														300											250
basic weighted-average number of common shares outstanding														74,703,699,000											81,769,193,000
diluted weighted-average number of common shares outstanding														74,705,054,000											81,832,868,000
less allowance for loan and lease losses																						169,977,000
results of operations
interest and dividend income																				653,454,000				699,332,000
interest expense																				98,156,000				161,460,000
noninterest income																				131,486,000				132,815,000
noninterest expenses																				413,349,000				418,340,000
income before income taxes																				186,294,000				231,255,000
income from continuing operations																				158,228,000				193,698,000	53,196,000
discontinued operations, net of tax																								-170,000
financial condition
allowance for loan and lease losses																				160,540,000
goodwill and intangible assets																				992,745,000
tangible assets																				18,635,704,000				16,553,761,000
deposits																				15,722,765,000				13,304,981,000
total borrowings																				840,717,000				1,513,748,000
tangible common equity																				1,549,388,000
ratios
net interest margin																				3,260				3,610
return on average assets																				830				1,150
return on average equity																				6,140
efficiency ratio																				60,190				62,370
cet1 capital																				10,260				10,240
tier 1 capital																				11,390				10,240
total capital																				14,000				12,630
leverage ratio																				8,950				8,790
common equity to total assets																				12,950				14,310
tangible common equity / tangible assets																				8,310				9,080
asset quality
reserve for unfunded commitment																				10,000,000
allowance for credit losses																				170,540,000
nonaccrual loans																				42,448,000				28,232,000
foreclosed property																				2,773,000				4,708,000
alll/total outstanding loans																				1,140
alll/total adjusted loans
acl/total outstanding loans
acl/total adjusted loans
nonaccrual loans/total loans																				300				220
alll/nonaccrual loans																				378,200
npas/total outstanding loans																				320				260
npas/total adjusted loans
net charge-offs/total average loans																				80				170
net charge-offs/total adjusted average loans
provision /total average loans																				600				190
provision /total adjusted average loans
per share data
earnings per common share, basic																				1,930
earnings per common share, diluted
cash dividends paid per common share
market value per share																				32,940				37,550
book value per common share																				32,460
tangible book value per common share																				19,780
dividend payout ratio																				51,810				39,830
weighted-average common shares outstanding, basic																				78,858,726,000
weighted-average common shares outstanding, diluted																				78,875,668,000
assets of discontinued operations																									863,000	964,000	1,109,000	1,479,000	2,134,000	43,464,000
liabilities of discontinued operations																									763,000	1,021,000	1,192,000	1,687,000	2,619,000	4,361,000
allowance for loan losses																								42,294,000
intangible assets																								1,009,229,000
common stockholders' equity																								2,513,102,000
tangible common stockholders' equity																								1,503,873,000
return on average common stockholders' equity																								7,890
all/total outstanding loans																								340
all/nonaccrual loans																								149,810
earnings per share, basic																								2,410
earnings per share, diluted
cash dividends paid per share
book value per share																								31,580
tangible book value per share																								18,900
weighted-average shares outstanding, basic																								80,200,950,000
weighted-average shares outstanding, diluted																								80,263,557,000
less allowance for loan losses																									43,820,000	42,463,000	40,827,000	41,045,000	41,294,000	41,270,000	40,629,000	38,208,000	37,162,000	38,214,000	38,414,000	37,192,000	36,542,000	35,074,000	34,399,000	34,047,000	33,269,000	32,344,000	30,977,000	32,384,000	32,109,000	31,379,000	34,415,000	34,916,000	39,894,000	40,985,000	40,204,000	39,470,000	41,290,000	39,631,000	40,399,000	38,406,000	37,395,000	33,956,000	34,014,000	30,484,000
net loans held for investment																									12,263,177,000	12,178,051,000	11,911,483,000		9,411,598,000	9,290,259,000	9,765,094,000	7,103,344,000	6,861,567,000	6,733,276,000	6,515,632,000	6,269,868,000	6,112,376,000	5,906,024,000	5,746,103,000	5,637,415,000	5,510,352,000	5,478,041,000	5,356,778,000
other service charges and fees																									1,513,000
gains on securities transactions																									7,104,000
gain on shore premier sale
printing, postage, and supplies																									1,268,000
communications expense																									1,037,000
other taxes																									3,971,000
oreo and credit-related expenses																									1,005,000
training and other personnel costs																									1,618,000
merger-related costs																									2,435,000
rebranding expense																									1,133,000
discontinued operations:
income from operations of discontinued mortgage segment																									56,000
income tax benefit																									14,000
income on discontinued operations																									42,000
loans held for investment, net of deferred fees																												9,716,207,000
marketable equity securities, at fair value																													27,375,000	28,200,000
total loans held for investment, net of deferred fees																													9,370,304,000
oreo, net of valuation allowance																														7,995,000
other real estate owned, net of valuation allowance																															10,099,000	6,636,000	8,764,000	9,482,000	9,605,000	10,084,000	10,581,000	13,381,000	14,246,000	15,299,000	22,094,000	22,222,000	25,434,000	28,118,000	37,754,000	38,494,000	35,878,000	32,834,000	34,440,000	35,802,000	37,663,000
core deposit intangibles																																					18,001,000	19,685,000	21,430,000	23,310,000	25,320,000	27,394,000	29,533,000	31,755,000	34,089,000	36,479,000	14,742,000	15,778,000	16,966,000	18,178,000	19,403,000	20,714,000	22,162,000	23,658,000	25,171,000	26,827,000	28,762,000	30,698,000	32,636,000	7,690,000
other amortizable intangibles																																					4,342,000
money market investments																																									1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	179,000	155,000	199,000	27,000	178,000	158,000	143,000	177,000	126,000	127,000
surplus																																									638,511,000	640,936,000	641,882,000	643,443,000	651,178,000	659,179,000	168,304,000	176,635,000	186,224,000	185,733,000	185,263,000	187,493,000	186,505,000	186,177,000	185,962,000	185,763,000	184,964,000	184,681,000	184,481,000	98,136,000
loans, net of unearned income																																												5,345,996,000	5,171,003,000	5,233,069,000	2,973,547,000	2,966,847,000	2,908,510,000	2,887,790,000	2,841,758,000	2,818,583,000	2,818,342,000	2,859,569,000	2,806,928,000	2,837,253,000	2,842,267,000	2,819,651,000	2,850,166,000	1,874,224,000
net loans																																												5,313,612,000	5,138,894,000	5,201,690,000	2,939,132,000	2,931,931,000	2,868,616,000	2,846,805,000	2,801,554,000	2,779,113,000	2,777,052,000	2,819,938,000	2,766,529,000	2,798,847,000	2,804,872,000	2,785,695,000	2,816,152,000	1,843,740,000
bank premises and equipment																																												135,247,000	138,549,000	145,662,000	83,366,000	85,409,000	87,305,000	91,122,000	90,986,000	90,589,000	90,936,000	91,601,000	90,594,000	90,680,000	91,054,000	92,010,000	92,566,000	78,722,000
see accompanying notes to consolidated financial statements.
interest-bearing deposits:
now accounts																																															459,117,000	454,150,000	418,988,000	425,188,000	434,625,000	412,605,000	395,822,000	378,511,000	381,887,000	381,512,000	359,986,000	352,060,000	357,762,000	215,327,000
money market accounts																																															945,273,000	957,130,000	898,625,000	905,739,000	904,272,000	904,893,000	858,426,000	842,135,000	827,076,000	783,431,000	756,938,000	746,529,000	720,074,000	446,980,000
savings accounts																																															225,543,000	207,846,000	204,317,000	198,728,000	194,473,000	179,157,000	176,531,000	175,709,000	174,244,000	153,724,000	153,928,000	151,050,000	150,753,000	102,852,000
time deposits of 100,000 and over																																															507,972,000	508,630,000	534,797,000	534,682,000	516,829,000	511,614,000	511,579,000	505,993,000	521,940,000	563,375,000	577,239,000	589,213,000	597,768,000	407,894,000
other time deposits																																															507,852,000	524,110,000	538,778,000	562,892,000	600,697,000	632,301,000	649,826,000	660,194,000	653,904,000	703,150,000	730,325,000	742,321,000	757,232,000	449,089,000
total interest-bearing deposits																																															2,645,757,000	2,651,866,000	2,595,505,000	2,627,229,000	2,650,896,000	2,640,570,000	2,592,184,000	2,562,542,000	2,559,051,000	2,585,192,000	2,578,416,000	2,581,173,000	2,583,589,000	1,622,142,000
trust preferred capital notes																																															60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000	60,310,000
stockholders’ equity
total stockholders’ equity																																															430,773,000	435,863,000	442,949,000	433,436,000	426,104,000	421,639,000	451,581,000	443,116,000	435,489,000	428,085,000	430,596,000	422,307,000	414,801,000	282,088,000
total liabilities and stockholders’ equity																																															4,051,135,000	4,095,865,000	4,028,193,000	3,982,288,000	3,947,799,000	3,907,087,000	3,914,457,000	3,851,524,000	3,812,700,000	3,837,247,000	3,859,323,000	3,874,199,000	3,849,699,000	2,587,272,000
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares at september 30, 2011 and zero at december 31, 2011 and september 30, 2012.
discount on preferred stock																																																					-982,000	-1,048,000	-1,113,000	-1,177,000	-1,240,000	-1,302,000	-1,352,000
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares at june 30, 2011 and zero at december 31, 2011 and june 30, 2012.
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares at march 31, 2011 and zero at december 31, 2011 and march 31, 2012.
other real estate owned																																																				32,263,000	34,464,000	36,935,000	38,674,000	36,122,000	26,382,000	28,394,000	25,082,000	22,509,000
preferred stock series b, 10.00 par value, 1,000 liquidation preference, shares authorized 59,000; issued and outstanding, zero shares at december 31, 2011 and 35,595 shares at december 31, 2010
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares for all periods.																																																					35,595,000	35,595,000	35,595,000
other interest-bearing deposits																																																										1,000	2,598,000	2,598,000
preferred stock series b, 10.00 par value, 1,000 liquidation preference, shares authorized 59,000; issued and outstanding, 35,595 shares at december 31, 2010 and none at december 31, 2009																																																								35,595,000
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares, no shares and 59,000 shares, respectively																																																									35,595,000
warrant
preferred stock, 10.00 par value, 1,000 liquidation value, shares authorized 500,000; issued and outstanding, 35,595 shares, no shares, 59,000 shares, respectively																																																										35,595,000	35,595,000
brokered time deposits
preferred stock, 10.00 par value, shares authorized 59,000; issued and outstanding, none at december 31, 2009 and 59,000 shares at december 31, 2008

Cashflow Statements:

Quarterly

Annual

Unit: USD	2024-09-30	2024-06-30	2024-03-31	2023-03-31	2022-09-30	2020-03-31	2017-09-30	2015-09-30	2015-06-30	2014-06-30

operating activities:
net income	151,346,000	74,930,000	49,769,000	35,653,000	163,986,000	7,089,000	57,737,000	49,264,000	31,049,000	22,595,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses
depreciation of premises and equipment	9,541,000	6,288,000	2,961,000	3,427,000	10,652,000	3,831,000	8,307,000
amortization	17,064,000	11,613,000	6,542,000	6,417,000	23,838,000	6,164,000	10,500,000	10,080,000	6,946,000	12,201,000
accretion related to acquisitions
losses on securities sales	6,510,000	6,513,000	-3,000
gain on cre loan sale
gain on sale of equity interest
boli income	-12,074,000	-7,037,000	-3,245,000	-2,828,000	-8,858,000	-2,049,000	-3,999,000
loans held for sale:
originations and purchases	-157,156,000	-90,967,000	-41,244,000
proceeds from sales	155,392,000	87,389,000	35,770,000
changes in operating assets and liabilities:
net decrease in other assets	38,888,000		-11,368,000	18,840,000	-6,489,000	-111,854,000	4,952,000	-3,892,000	-2,799,000	12,907,000
net decrease in other liabilities									-11,213,000
net cash from operating activities	210,163,000	142,651,000	57,011,000	59,567,000	326,905,000
capital expenditures	0	0	0	0	0
free cash flows	210,163,000	142,651,000	57,011,000	59,567,000	326,905,000
investing activities:
securities afs and restricted stock:
purchases	-619,879,000	-504,305,000	-115,674,000
proceeds from maturities, calls and paydowns
securities htm:
net change in other investments	-14,919,000	-10,379,000	-6,724,000
net increase in lhfi	-523,841,000	-579,753,000	-220,677,000	-145,260,000
net purchases of premises and equipment	-6,543,000	-3,094,000	-2,124,000
proceeds from boli settlements	5,645,000	301,000		353,000	2,876,000		2,497,000
proceeds from sales of foreclosed properties and former bank premises	3,021,000			533,000	5,965,000	2,095,000
net cash received in acquisition	54,988,000	54,988,000
net cash from investing activities	-283,494,000	-382,202,000	-214,897,000	405,565,000	-714,864,000
financing activities:
net increase in:
non-interest-bearing deposits	308,316,000	412,655,000	-117,990,000
interest-bearing deposits	593,803,000	185,967,000	578,294,000
short-term borrowings	-584,942,000	-229,084,000	-254,428,000
repayments of long-term debt
common stock:
issuance for stock options exercised
forward sale common stock issuance
dividends paid	-90,383,000	-58,687,000	-26,994,000
vesting of restricted stock, net of shares held for taxes	-3,751,000	-3,644,000	-2,684,000	-2,116,000	-3,060,000	-2,010,000	-1,313,000
net cash from financing activities	223,270,000	307,434,000	176,425,000	-412,884,000	-23,600,000
increase in cash and cash equivalents	149,939,000	67,883,000	18,539,000	52,248,000	-411,559,000	68,927,000	-2,276,000	45,934,000	3,573,000	85,857,000
cash, cash equivalents and restricted cash at beginning of the period	378,131,000	378,131,000	378,131,000	319,948,000	802,501,000
cash, cash equivalents and restricted cash at end of the period	528,070,000	446,014,000	396,670,000	372,196,000	390,942,000
amortization related to acquisitions	-14,325,000	25,913,000	2,869,000	1,288,000	2,271,000	-5,262,000
net decrease (increase) in other assets
net increase in other liabilities	-17,831,000	9,319,000	6,721,000	-27,901,000	117,188,000	110,731,000	909,000	691,000		-3,399,000
losses (gains) on securities sales
net decrease (increase) in lhfi
proceeds from exercise of stock options
provision for credit losses	32,592,000	29,989,000	8,239,000	11,850,000	12,771,000	60,196,000	7,345,000		5,499,000
deferred tax expense
writedown of rou assets, foreclosed properties, and equipment	216,000				4,768,000
gains on sales of foreclosed properties, former bank premises, and premises and equipment
gain on sale of dhfb					-9,082,000
net increase in other assets		-11,299,000
proceeds from sales of foreclosed properties, former bank premises, and premises and equipment
repurchases
issuance	227,000	227,000	227,000
gain on sale-leaseback transaction
proceeds from maturities, calls, and paydowns	170,542,000	117,669,000	60,985,000
proceeds from sale-leaseback transaction
securities available for sale and restricted stock:
securities held to maturity:
amortization (accretion) related to acquisitions
stock-based compensation expenses				2,332,000	8,065,000	2,291,000	3,472,000	957,000	403,000	554,000
writedown of foreclosed properties, former bank premises, rou assets, and premises and equipment
gain on visa, inc. class b common stock
losses on debt extinguishment
securities available for sale, restricted stock and other investments:
purchases of boli policies
proceeds from sale of visa, inc. class b common stock
net proceeds from issuance of long-term debt
writedown of rou assets, foreclosed properties and equipment				112,000
losses on securities transactions				13,400,000
originations and purchases of lhfs				-286,526,000	-263,162,000
proceeds from sales of lhfs				283,316,000	270,853,000
gains on sales of foreclosed properties and former bank premises
issuance of common stock for services				187,000	611,000	204,000	561,000	446,000	200,000
purchases of afs securities, restricted stock, and other investments				-45,633,000	-97,518,000
purchases of htm securities				-13,826,000	-225,026,000
proceeds from sales of afs securities and restricted stock				558,466,000	29,719,000	120,701,000
proceeds from maturities, calls and paydowns of afs securities				47,338,000	281,542,000	81,240,000
proceeds from maturities, calls and paydowns of htm securities				5,218,000	8,223,000	2,042,000
net purchases in premises and equipment
net increase in noninterest-bearing deposits				-305,230,000	83,614,000	97,434,000	141,524,000	138,667,000	90,298,000	95,205,000
net increase in interest-bearing deposits				829,449,000		150,670,000	360,813,000	43,259,000	57,096,000	-71,978,000
net increase in short-term borrowings					162,112,000	528,000	40,556,000	44,024,000
cash dividends paid - common stock				-22,417,000	-64,486,000	-19,825,000	-26,207,000	-21,000,000	-13,727,000	-12,503,000
cash dividends paid - preferred stock				-2,967,000	-8,901,000
repurchase of common stock					-48,231,000	-49,879,000		-7,995,000	-4,130,000	-33,906,000
issuance of common stock				474,000	3,849,000	777,000	969,000	566,000	420,000	943,000
net increase in premises and equipment				-1,624,000	-3,054,000	-3,994,000	-7,139,000
net decrease in short-term borrowings				-910,077,000					-6,713,000	-70,906,000
losses (gains) on securities transactions
(gains) losses on sales of foreclosed properties and former bank premises
issuance of preferred stock
losses on sales of foreclosed properties and former bank premises					-507,000	141,000
net decrease in lhfi					-717,591,000
net decrease in interest-bearing deposits					-148,497,000
writedown of rou assets and equipment
originations and purchases of loans held for sale
proceeds from sales of loans held for sale
net increase in loans held for investment						-150,890,000	-594,967,000
gains on securities transactions						-1,936,000	-782,000		-597,000	-455,000
decrease in cash and cash equivalents
writedown of foreclosed properties and former bank premises						95,000
net decrease in loans held for investment
cash paid in acquisitions
cash acquired in acquisitions
cash paid for contingent consideration							-3,003,000
purchases of afs securities and restricted stock						-208,318,000
net decrease (increase) in loans held for investment
proceeds from issuance of long-term debt							20,000,000
cash, cash equivalents, and restricted cash at beginning of the period
cash, cash equivalents, and restricted cash at end of the period
losses (gains) on sales of foreclosed properties and former bank premises
operating activities :
gain on sale of shore premier loans
goodwill impairment losses
decrease (increase) in loans held for sale from discontinued operations
proceeds from sale of marketable equity securities
proceeds from sale of loans held for investment
cancellation of warrants
decrease (increase) in loans held for sale
cash proceeds from boli settlements
adjustments to reconcile net income to net cash and cash equivalents from operating activities:
decrease in loans held for sale						-21,285,000	5,591,000	3,206,000	3,069,000	940,000
net cash and cash equivalents from operating activities						48,356,000	95,363,000	79,164,000	40,110,000
net cash and cash equivalents from investing activities						-157,124,000	-630,978,000	-222,017,000	-160,584,000
net cash and cash equivalents from financing activities						177,695,000	533,339,000	188,787,000	124,047,000
cash and cash equivalents at beginning of the period						436,032,000	179,237,000	133,260,000	133,260,000	73,023,000
cash and cash equivalents at end of the period						504,959,000	176,961,000	179,194,000	136,833,000	158,880,000
losses (gains) on sales of foreclosed properties and bank premises
amortization (accretion) related to acquisition
gain on shore premier sale
writedown of oreo							845,000	1,773,000	1,300,000	1,073,000
gains on sales of oreo
losses (gains) on sales of premises
proceeds from sales of oreo
cash paid in acquisition
gains on sales of other real estate owned								80,000		-30,000
purchases of securities available for sale and restricted stock							-205,965,000
purchases of securities held to maturity							-7,836,000
proceeds from sales of securities available for sale and restricted stock							91,911,000
proceeds from maturities, calls and paydowns of securities available for sale							88,675,000	110,132,000	70,086,000	68,448,000
proceeds from maturities, calls and paydowns of securities held to maturity							818,000	795,000
proceeds from sales of other real estate owned							1,028,000	6,374,000	5,609,000	7,713,000
other-than-temporary impairment recognized in earnings								300,000
losses (gains) on sales of oreo
losses on sales of premises							51,000
gains on sale of loans held for investment
improvements to oreo
cash paid for equity-method investments								-355,000	-355,000
vesting of restricted stock, including tax effects
amortization related to acquisition							-158,000	1,175,000	705,000
losses on sales of other real estate owned							32,000		100,000
supplemental disclosure of cash flow information
cash payments for:
interest							33,947,000	20,720,000	13,784,000	13,788,000
income taxes							19,600,000	13,800,000	12,400,000	5,800,000
supplemental schedule of noncash investing and financing activities
transfers between loans and other real estate owned							585,000	1,493,000	412,000
issuance of common stock in exchange for net assets in acquisition
bank owned life insurance income
increase in loans held for sale
improvements to other real estate owned								-308,000	-299,000	-59,000
cash acquired in bank acquisitions										49,989,000
losses (gains) on sales of other real estate owned
purchases of securities available for sale									-122,049,000	-291,070,000
proceeds from sales of securities available for sale									58,157,000	259,077,000
net decrease (increase) in premises and equipment
net increase in long-term borrowings								-8,448,000	1,027,000	881,000
unrealized gains on securities available for sale								-3,160,000	-5,308,000
transfer from securities available for sale to securities held to maturity								201,822,000	201,822,000
transfer from loans held for investment to loans held for sale								26,400,000
changes in fair value of interest rate swap loss								-1,539,000	632,000	61,000
transfers from bank premises to other real estate owned								402,000	402,000	6,052,000
net decrease (increase) in loans
taxes paid related to net share settlement of equity awards								-286,000	-224,000	-1,547,000
unrealized losses (gains) on securities available for sale
transactions related to bank acquisition
assets acquired										2,959,212,000
liabilities assumed										2,647,165,000
depreciation of bank premises and equipment								8,097,000	5,374,000	5,470,000
provision for loan losses								7,561,000		1,500,000
(gains) on securities transactions								-672,000
losses on sales of bank premises								98,000	74,000
purchases of securities								-171,203,000
proceeds from sales of securities								63,928,000
net decrease in loans								-228,839,000	-168,449,000	41,555,000
net (increase) in bank premises and equipment								-2,541,000
adjustments to reconcile net income to net cash and cash equivalents provided by (used in) operating activities:
net increase in bank premises and equipment									-3,284,000	-4,879,000
benefit from loan losses
net increase in loans
unrealized gain on securities available for sale										20,015,000
(accretion)/amortization related to acquisition
deferred tax (benefit) expense
(gains) losses on sales of other real estate owned
losses (gains) on sales of bank premises
see accompanying notes to consolidated financial statements.
adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:
accretion and amortization related to acquisition										-4,766,000
losses on bank premises										304,000
net cash and cash equivalents provided by operating activities										48,894,000
net cash and cash equivalents provided by (used in) investing activities										130,774,000
net cash and cash equivalents (used in) provided by financing activities										-93,811,000
transfers from loans to other real estate owned										2,704,000
transactions related to bank and branch acquisitions
losses on the sale of investment securities
decrease in other assets
increase in other liabilities
gains on the sale of investment securities
(gains) losses on sales of bank premises
issuance of common stock grants for services
increase in other assets
cash paid in bank acquisition
cash acquired in bank and branch acquisitions
repurchase of preferred stock
net cash from by financing activities
(gains) losses on the sale of investment securities
stock-based compensation expense
changes in fair value of interest rate swap
increase in assets and liabilities:
loans
other assets
noninterest bearing deposits
interest bearing deposits
other liabilities
(gain) loss on sales of other real estate owned and bank premises
cash dividends paid—common stock
cash dividends paid—preferred stock
loss on sales of other real estate owned and bank premises
tax benefit from exercise of stock-based awards
deferred tax benefit
origination of loans held for sale
gains (loss) on sales of other real estate owned and bank premises
prepayment of fdic insurance assessment
decrease (increase) in other assets
(repurchase) issuance of preferred stock and warrant
changes in fair value of interest rate swap gain
securities
borrowings
depreciation and amortization of bank premises and equipment
losses (gains) on sales of other real estate owned and premises
sales of bank premises and equipment and oreo
cash paid in branch acquisition
cash received in acquisitions
tax benefit from the exercise of equity-based awards
proceeds from the issuance of common stock
supplemental schedule of noncash activities
unrealized loss on cash flow hedge
transfer of loans to other real estate owned
common stock issued for acquisition
preferred stock issued for acquisition
transactions related to acquisitions
losses (gains) on the sale of investment securities
net increase in noninterest - bearing deposits
cash received in bank acquisition
unrealized gain on cash flow hedge
transactions related to bank acquisitions
cumulative-effect of a change in accounting principle
(gains) losses on sales of other real estate owned and premises
sales (purchases) of bank premises and equipment and oreo
net decrease in long-term borrowings
issuance costs of preferred stock
sales (purchases) of bank premises and equipment
gains on sales of other real estate owned and premises
(increase) in other assets
net (decrease) in long-term borrowings
(gains) loss on sales of other real estate owned and bank premises

Atlantic Union Bankshares Corporation(NYSE:AUB)

Atlantic Union Bankshares Corporation
(NYSE:AUB)