Banc of California, Inc
(NYSE:BANC)

Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninteres...

Website: http://www.bancofcal.com

Founded: 1941

Full Time Employees: 600

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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At a glance:

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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	2020-09-30	2020-06-30	2020-03-31	2014-09-30	2013-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2002-12-31	2002-09-30

interest income:
loans and leases	372,723,000	362,303,000	346,103,000	357,303,000	369,913,000	388,853,000	385,465,000
investment securities	38,291,000	37,616,000	37,862,000	37,743,000	34,912,000	33,836,000	34,303,000
deposits in financial institutions	21,527,000	20,590,000	22,690,000	29,473,000	42,068,000	39,900,000	58,936,000
total interest income	432,541,000	420,509,000	406,655,000	424,519,000	446,893,000	462,589,000	478,704,000																					6,588,500	8,823,000	8,582,000			11,339,000	8,624,250	11,262,000	11,297,000	11,938,000	8,402,750	12,012,000	11,290,000	10,309,000	6,510,500	9,176,000	8,581,000	8,028,000	7,827,000		5,035,750	6,950,000
interest expense:
deposits	143,074,000	144,940,000	140,530,000	154,085,000	180,986,000	186,106,000	194,807,000	668,418,000	31,360,000	28,118,000	20,527,000	14,278,000	8,987,000	3,180,000	1,388,000	2,072,000	2,412,000	3,543,000	4,286,000	7,564,000	10,205,000	14,611,000	6,165,000										5,165,000	4,508,750	6,143,000	5,999,000	5,893,000	3,469,500	5,308,000	4,571,000	3,999,000	2,123,500	3,220,000	2,797,000	1,999,000	1,859,000	1,698,000	1,099,250	1,495,000	1,318,000	1,892,000
borrowings	20,461,000	20,021,000	18,421,000	18,993,000	16,970,000	30,311,000	38,124,000
subordinated debt	15,562,000	15,332,000	15,340,000	16,156,000	16,762,000	16,684,000	16,671,000
total interest expense	179,097,000	180,293,000	174,291,000	189,234,000	214,718,000	233,101,000	249,602,000	1,096,483,000	47,004,000	46,519,000	33,866,000	23,895,000	16,565,000	10,119,000	7,828,000	8,534,000	8,815,000	9,830,000	10,702,000	13,811,000	17,382,000	22,853,000	8,463,000	17,572,000	2,314,000	1,947,000	1,449,000	1,330,000	1,339,000	1,574,000	1,794,000		6,214,000	6,944,000	7,303,000	7,151,000	7,449,000	7,513,000	7,367,000	6,505,000	5,560,000	4,920,000	4,462,000	3,849,000	2,919,000	2,726,000		2,546,000	2,386,000
net interest income	253,444,000	240,216,000	232,364,000	235,285,000	232,175,000	229,488,000	229,102,000	535,225,000	69,218,000	69,632,000	73,053,000	80,217,000	79,408,000	78,299,000	76,441,000	73,039,000	62,976,000	59,847,000	57,916,000	55,855,000	55,315,000	51,861,000	38,186,000	65,514,000	14,408,000	8,431,000	8,876,000	7,493,000	7,484,000	7,008,000	7,155,000		5,125,000	4,270,000	3,959,000	4,146,000	4,489,000	4,390,000	4,645,000	4,785,000	4,749,000	4,689,000	4,714,000	4,732,000	5,109,000	5,101,000	5,137,000	5,032,000	4,564,000	4,030,000	3,464,000
provision for credit losses	9,700,000	39,100,000	9,300,000	12,801,000	9,000,000	11,000,000	10,000,000													1,141,000
net interest income after provision for
credit losses	243,744,000	201,116,000	223,064,000	165,191,250	223,175,000	218,488,000
noninterest income:
leased equipment income	10,321,000	10,231,000	10,784,000	10,730,000	17,176,000	11,487,000	11,716,000
commissions and fees	9,514,000	9,641,000
service charges on deposit accounts	5,109,000	4,456,000	4,543,000	4,770,000	4,568,000	4,540,000	4,705,000
gain on sale of loans and leases	-374,000	30,000	211,000	20,000	-62,000	1,135,000	-448,000
loss on sale of securities				-454,000	-59,946,000
dividends and gains on equity
investments	2,291,000	-114,000	2,323,000	1,991,000	3,730,000	1,166,000
warrant income	433,000	1,227,000	-295,000	343,000	211,000	-324,000	178,000
locom hfs adjustment		-9,000		-3,000	-74,000	-38,000	330,000
other income	6,991,000	7,171,000	6,126,000	5,334,000	10,689,000	3,197,000	6,125,000					2,731,000	1,710,000	3,689,000	2,452,000	1,609,000	2,574,000	1,432,000	1,683,000	1,345,000	1,582,000	1,925,000	5,677,000										3,000	3,250	4,000	5,000	4,000	3,500	5,000	5,000	4,000	5,000	4,000	11,000	58,000	106,000		8,000	13,000
total noninterest income	34,285,000	32,633,000	33,650,000	28,989,000	-15,452,000	29,792,000	33,816,000	-512,946,000	50,778,000	6,024,000	7,859,000	-1,427,000	5,681,000	7,186,000	5,910,000	4,860,000	5,519,000	4,170,000	4,381,000	3,954,000	5,528,000	2,061,000	44,098,000	76,089,000	19,512,000	639,000	503,000	499,000	2,012,000	1,635,000	767,000		580,000	589,000	593,000	629,000	580,000	583,000	559,000	561,000	514,000	539,000	552,000	567,000	437,000	452,000	331,000	334,000	384,000	268,000	250,000
noninterest expense:
compensation	88,865,000	88,362,000	86,417,000	77,661,000	85,585,000	85,914,000	92,236,000
customer related expense	26,227,000	26,577,000	27,751,000	31,672,000	34,475,000	32,405,000	30,919,000
occupancy	15,415,000	15,473,000	15,010,000	15,678,000	16,892,000	17,455,000	17,968,000
information technology and data
processing	13,535,000	13,073,000	15,099,000	11,468,000	14,995,000	15,459,000
insurance and assessments	8,994,000	9,403,000	7,283,000	11,179,000	12,708,000	26,431,000	20,461,000
intangible asset amortization	7,160,000	7,159,000	7,160,000	7,770,000	8,485,000	8,484,000	8,404,000
leased equipment depreciation	6,750,000	6,700,000	6,741,000	7,096,000	7,144,000	7,511,000	7,520,000
other professional services	5,394,000	6,406,000	4,513,000	5,498,000	5,101,000	5,183,000	5,075,000
loan expense	4,947,000	4,050,000	2,930,000	4,489,000	3,994,000	4,332,000	4,491,000
acquisition, integration and
reorganization costs				-3,290,000	-510,000	-12,650,000
other expense	8,397,000	8,666,000	10,749,000	6,804,000	7,340,000	13,119,000	8,026,000	136,795,000	4,291,000	5,062,000	3,878,000	4,685,000	4,231,000
total noninterest expense	185,684,000	185,869,000	183,653,000	181,370,000	196,209,000	203,643,000	210,518,000	2,301,646,000	56,164,000	49,132,000	51,239,000	48,203,000	50,962,000	48,612,000	46,596,000	58,127,000	37,811,000	40,559,000	46,735,000	40,394,000	72,770,000	46,919,000	67,557,000	136,053,000	24,456,000	9,943,000	8,218,000	11,213,000	7,661,000	5,999,000	6,816,000		3,586,000	3,288,000	3,620,000	3,676,000	3,498,000	3,209,000	3,392,000	3,523,000	3,441,000	3,236,000	3,295,000	3,470,000	2,962,000	3,048,000	3,107,000	3,210,000	2,894,000	2,508,000	2,206,000
earnings before income taxes	92,345,000	47,880,000	73,061,000	70,103,000	11,514,000	44,637,000	42,400,000
income tax expense	22,716,000	19,495,000	19,493,000	13,184,000	2,730,000	14,304,000	11,548,000	-342,599,000	16,258,000	6,745,000	7,395,000	9,068,000	9,931,000	10,161,000	18,785,000	2,759,000	8,661,000	6,562,000	2,294,000	2,361,000							93,000	356,250	368,000		413,000		548,000			373,000	549,000	663,000	640,000	589,000	639,000	717,000	661,000	586,000	1,033,000	926,000	1,058,000	818,000	649,000	639,000	527,000
net earnings	69,629,000	28,385,000	53,568,000	56,919,000	8,784,000	30,333,000	30,852,000
yoy	692.68%	-6.42%	73.63%
qoq	145.30%	-47.01%	-5.89%	547.98%	-71.04%	-1.68%
preferred stock dividends	9,947,000	9,947,000	9,947,000	9,947,000	9,947,000	9,947,000	9,947,000								1,420,000	1,727,000	1,727,000	1,727,000	3,141,000	3,447,000	3,442,000	3,533,000	910,000	1,143,000	328,000	314,000	400,000
net earnings available to common
and equivalent stockholders	59,682,000	18,438,000	43,621,000	10,032,000	-1,163,000	20,386,000
other commissions and fees			9,958,000	8,231,000	8,256,000	8,629,000	8,142,000
goodwill impairment
net interest income after provision for credit losses							219,102,000													54,714,000
dividends and gains on equity investments							3,068,000
information technology and data processing							15,418,000
acquisition, integration and reorganization costs
net earnings available to common and equivalent stockholders							20,905,000
earnings per share:
basic							0.12																										0.28	0.128	0.07	0.19	0.25	0.215	0.31	0.28	0.27	0.215	0.33	0.26	0.32	0.34	0.26
diluted							0.12																										0.28	0.125	0.07	0.19	0.25	0.208	0.3	0.27	0.27	0.21	0.32	0.25	0.32	0.33	0.26
interest and dividend income
loans, including fees								68,980,000	95,613,000	92,889,000	87,418,000	88,717,000	83,699,000	78,895,000	76,234,000	73,605,000	63,837,000	61,900,000	61,345,000	62,019,000	63,642,000	65,534,000	44,555,000	81,613,000	15,928,000	9,604,000	9,528,000	8,061,000	7,757,000	7,513,000	7,666,000		11,129,000	11,067,000	10,972,000	10,985,000	11,608,000	11,558,000	11,672,000	10,970,000	10,002,000	9,306,000	8,807,000	8,305,000	7,913,000	7,687,000	7,614,000	7,421,000	6,779,000	5,629,000	5,135,000
securities								11,762,000	16,335,000	15,804,000	14,909,000	12,905,000	10,189,000	8,124,000	7,309,000	6,934,000	7,167,000	6,986,000	6,501,000	6,766,000	7,816,000	7,820,000	1,460,000	493,000	708,000	694,000	737,000	700,000	1,017,000	1,002,000	1,244,000		75,000	97,000	156,000	157,000	157,000	157,000	156,000	157,000	157,000	156,000	157,000	157,000	3,000	47,000	49,000	62,000	88,000	198,000	223,000
other interest-earning assets								4,081,000	4,274,000	7,458,000	4,592,000	2,490,000	2,085,000	1,399,000	726,000	1,034,000	787,000	791,000	772,000	881,000	1,239,000	1,360,000																							112,000	93,000	80,000	95,000	83,000	60,000	333,000
total interest and dividend income								84,823,000	116,222,000	116,151,000	106,919,000	104,112,000	95,973,000	88,418,000	84,269,000	81,573,000	71,791,000	69,677,000	68,618,000	69,666,000	72,697,000	74,714,000	46,649,000	83,086,000	16,722,000	10,378,000	10,325,000				8,949,000
interest expense
fhlb advances and frb borrowings								8,031,000	7,773,000	14,703,000	9,648,000
other interest-bearing liabilities								3,815,000	7,871,000	3,698,000	3,691,000
provision for (reversal of) credit losses								2,225,000	5,000,000	1,900,000	2,000,000
net interest income after provision for (reversal of) credit losses								50,750,750	64,218,000	67,732,000	71,053,000
noninterest income
customer service fees								1,528,750	2,114,000	2,022,000	1,979,000	2,066,000	2,462,000	2,578,000	2,434,000	2,037,000	1,900,000	1,990,000	1,758,000	1,498,000	1,224,000	1,096,000	230,000	660,000	543,000	378,000	361,000	366,000	396,000	373,000	338,000		374,000	382,000	392,000	422,000	377,000	373,000	362,000	334,000	328,000	334,000	311,000	322,000	313,000	319,000	282,000	177,000	371,000	265,000	230,000
loan servicing income								421,000	563,000	574,000	547,000	561,000	636,000	109,000	212,000	119,000	170,000	38,000	268,000	186,000	95,000	75,000	924,000	1,903,000	146,000
income from bank owned life insurance								704,250	966,000	951,000	900,000	923,000	873,000	810,000	796,000	794,000	715,000	690,000	672,000	629,000	591,000	578,000	64,000	-21,000	69,000	60,000	69,000	79,000	77,000	80,000	64,000		171,000	181,000	166,000	195,000	169,000	173,000	139,000	162,000	154,000	167,000	192,000	187,000
change in fair value of derivative instruments								11,543,000	46,186,000
net gain on sale of securities available-for-sale												-7,708,000			16,000						2,011,000
all other income								1,968,250	949,000	2,477,000	4,433,000										6,408,000	4,167,000	7,314,000
noninterest expense
salaries and employee benefits								20,939,250	25,819,000	28,282,000	29,656,000	27,812,000	27,997,000	28,264,000	28,987,000	27,811,000	24,786,000	25,042,000	25,719,000	23,277,000	24,260,000	23,436,000	41,094,000	87,030,000	13,613,000	5,177,000	4,867,000	4,426,000	3,251,000	2,856,000	3,381,000		1,914,000	1,618,000	1,741,000	1,942,000	1,970,000	1,776,000	1,864,000	1,956,000	1,853,000	1,677,000	1,816,000	1,871,000	1,736,000	1,732,000	1,789,000	1,765,000	1,549,000	1,540,000	1,130,000
occupancy and equipment								4,233,250	5,804,000	5,603,000	5,526,000	8,431,000	8,649,000	7,876,000	7,855,000	7,855,000	7,124,000	7,277,000	7,196,000	7,457,000	7,090,000	7,243,000	7,969,000	14,869,000	2,473,000	1,321,000	999,000	922,000	730,000	532,000	664,000		446,000	455,000	470,000	462,000	453,000	441,000	444,000	419,000	466,000	524,000	496,000	494,000
professional fees								2,922,250	3,616,000	4,001,000	4,072,000	3,480,000	4,507,000	4,107,000	2,907,000	3,921,000	892,000	1,749,000	4,022,000	5,147,000	4,596,000	5,964,000	4,758,000	8,546,000	3,788,000	987,000	543,000	705,000	667,000	414,000	335,000		130,000	107,000	165,000	131,000	128,000	93,000	91,000	44,000	184,000	82,000	85,000	177,000	53,000	75,000	76,000	47,000	48,000	41,000	39,000
data processing								39,346,000	1,657,000	1,686,000	1,563,000	1,744,000	1,699,000	1,782,000	1,828,000	1,939,000	1,646,000	1,621,000	1,655,000	1,657,000	1,536,000	1,773,000	1,286,000	2,764,000	1,037,000	502,000	407,000	373,000	356,000	323,000	293,000		258,000	269,000	272,000	263,000	221,000	202,000	215,000	221,000	215,000	222,000	220,000	212,000			193,000			97,000	90,000
regulatory assessments								978,250	1,410,000	1,301,000	1,202,000	905,000	925,000	1,021,000	775,000	1,040,000	812,000	769,000	774,000	784,000	725,000	484,000	1,013,000
software and technology								2,666,000	3,811,000	3,579,000	3,274,000
loss on investments in alternative energy partnerships								387,000	-34,000	-36,000	1,618,000	608,000	504,000	1,043,000	158,000	254,000	-1,785,000	-829,000	3,630,000	-1,430,000		1,905,000
reversal of loan repurchase reserves								-204,750		-808,000	-11,000
amortization of other intangibles								346,000	461,000	462,000	461,000	555,000	396,000
acquisition, integration and transaction costs								2,332,250	9,329,000				2,080,000
income before income taxes								27,782,250	58,832,000	24,624,000	27,673,000												11,947,000	-412,000	8,433,000		470,000	1,077,750	1,012,000	2,193,000	1,106,000		1,714,000	697,000	128,000	1,173,000	1,587,000	1,888,000	1,895,000	1,711,000	1,751,000	1,950,000	2,015,000	1,657,000	2,390,000	2,357,000	2,253,000	1,947,000	1,619,000	1,389,000	1,239,000
net income								20,182,750	42,574,000	17,879,000	20,278,000	21,519,000	24,196,000	26,712,000	48,512,000	5,751,000	23,170,000	19,050,000	14,375,000	15,913,000	-18,449,000	-6,593,000	11,226,000	-9,102,000	9,543,000		377,000	721,500	644,000		693,000		1,166,000	840,000	283,000	800,000	1,038,000	1,225,000	1,255,000	1,122,000	1,112,000	1,233,000	1,354,000	1,071,000	1,357,000	1,431,000	1,195,000	1,129,000	970,000	750,000	712,000
impact of preferred stock redemption															3,747,000				3,347,000	7,000	-49,000	-526,000
net income available to common stockholders								20,182,750	42,574,000	17,879,000	20,278,000	21,519,000	24,196,000	26,712,000	43,345,000	4,070,000	21,443,000	17,323,000	7,825,000	12,084,000	-21,936,000	-9,694,000
earnings per common share:
basic								347.5	740	310	340	360	400	440	690	30	420	340	160	240	-440	-190
diluted								347.5	740	310	340	360	400	430	690	40	420	340	150	240	-440	-190
earnings per class b common share:
basic								347.5	740	310	340	360	400	440	690	30	420	340	160	240	-440	-190
diluted								347.5	740	310	340	360	400	440	690	30	420	340	150	240	-440	-190
federal home loan bank advances												5,528,000	3,558,000	3,114,000	2,953,000	2,977,000	2,990,000	2,944,000	3,112,000	3,860,000	4,818,000	5,883,000	118,000	3,000	74,000	92,000	100,000	88,000	92,000	351,000	517,000		1,049,000	1,117,000	1,160,000	1,152,000	1,556,000	1,808,000	2,059,000	1,934,000	1,561,000	1,282,000	1,242,000	1,052,000	920,000	867,000	908,000	916,000	891,000	401,000	335,000
long-term debt and other interest-bearing liabilities												4,089,000	4,020,000	3,825,000	3,487,000	3,485,000	3,413,000	3,343,000	3,304,000	2,385,000	2,357,000
(reversal of) provision for credit losses															-31,542,000	-1,102,000	-1,147,000	-2,154,000	-1,107,000
net interest income after (reversal of) provision for credit losses												80,217,000	79,408,000	78,299,000	107,983,000	46,286,750	64,123,000	62,001,000	59,023,000
(reversal of) provision for loss on repurchased loans												-246,750	-26,000
income from operations before income taxes												30,587,000	34,127,000	36,873,000	67,297,000	8,510,000	31,831,000	25,612,000	16,669,000	18,274,000	-23,753,000	-8,758,000
income allocated to participating securities																-46,000			62,000	281,000
reversal of provision for loan repurchases														-490,000	-471,000	-68,250	-42,000	-99,000		-91,000
amortization of intangible assets														313,000	441,000	430,000	282,000	282,000	282,000	353,000	430,000	429,000	890,000	2,322,000	329,000
merger-related costs																13,469,000	1,000,000	700,000	700,000
all other expense														4,696,000	4,116,000	2,428,500	2,974,000	3,969,000	2,771,000	3,021,000
net gain on sale of loans																				272,000		-27,000	10,260,000	8,496,000	59,000
securities sold under repurchase agreements																				2,000	2,000
fair value adjustment for loans held-for-sale																45,000	160,000	20,000		24,000	25,000
naming rights termination																					26,769,000
advertising and promotion																173,000	122,000	78,000	118,000	219,000	1,157,000	1,756,000
participating securities dividends																				94,000	94,000	94,000
net loss on sale of loans
(reversal of) provision for loan repurchases																			-132,000
impairment loss on investment securities
restructuring expense
benefit from (reversal of) credit losses																					11,826,000	15,761,000
net interest income after benefit from (reversal of) credit losses																					43,489,000
(gain) loss on investments in alternative energy partnerships																					-167,000
reversal of benefit from loan repurchases																					-34,000	-600,000
restructuring (reversal) expense
income tax (benefit) expense																					-5,304,000	-2,165,000
long term debt and other interest-bearing liabilities																						2,359,000
net interest income after benefit from credit losses																						36,100,000
fair value adjustment for loans held for sale																						-1,586,000
outside service fees																						362,000
dividends and other interest-earning assets																							634,000	980,000	86,000	80,000	60,000	62,000	49,000	67,000	39,000		135,000	50,000	134,000	155,000	173,000	188,000	184,000	163,000	150,000	147,000	212,000	119,000
notes payable and other interest-bearing liabilities																							2,180,000
benefit from loan and lease losses																							2,780,000
net interest income after benefit from loan and lease losses																							35,406,000	59,552,000	13,377,000
net gain on sale of securities available for sale
net gain on mortgage banking activities																							26,943,000	62,344,000	5,546,000
advertising																							1,584,000	3,513,000	395,000	214,000	239,000	295,000	71,000	51,000	60,000		86,000	60,000	101,000	92,000	100,000	71,000	91,000	98,000	104,000	110,000	102,000	101,000	77,000	110,000	58,000	76,000	115,000	42,000	63,000
loan servicing and foreclosure expense																							292,000	117,000	83,000	367,000
operating income on equity investment																							203,000	340,000	76,000	77,000	76,000	78,000	79,000	78,000	78,000		89,000	81,000	259,000	86,000	86,000	119,000	79,000	99,000	98,000
valuation allowance for other real estate owned
net gain on sales of other real estate owned
benefit from loan repurchases																							1,154,000
impairment on intangible assets
income tax benefit																							721,000											191,750	-155,000
net income available to common shareholders																							10,316,000	-10,245,000	9,215,000			687,000	506,000	1,549,000	693,000
basic earnings per common share																							310	-840	790			67.5	40
diluted earnings per common share																							300	-840	790			67.5	40
basic earnings per class b common share																							310
diluted earnings per class b common share																							310
federal funds sold
savings																								58,250	211,000	11,000	11,000	36,000	95,000	97,000	90,000
now																								40,500	102,000	40,000	112,000	31,000	18,000	16,000	16,000
money market																								139,250	166,000	162,000	137,000	117,000	62,000	61,000	66,000
certificates of deposit																								833,250	1,099,000	1,145,000	1,089,000	1,058,000	1,072,000	1,049,000	1,105,000
capital leases																								1,000	2,000	2,000
notes payable																								288,750	660,000	495,000
benefit from loan and lease losses on originated loans																								452,000	894,000
benefit from loan and lease losses on purchased loans																								48,250	137,000
mortgage loan prepayment penalties																								15,500	46,000		16,000		54,000	26,000			32,000	22,000	31,000	7,000	30,000	31,000	53,000	60,000	28,000	15,000	45,000	47,000
net gain/(loss) on sales of securities available for sale																								-20,750	-12,000	-32,000	-39,000
bargain purchase gain																								3,013,750	12,055,000
other																								311,000	1,060,000	88,000	96,000	53,000	35,000	38,000	46,000																49,000			3,000	20,000
stationery paper, supplies, and postage																								145,500	286,000	183,000	113,000				115,000
atm costs																								69,250	93,000	91,000	93,000	72,000	81,000	78,000	64,000		110,000	118,000	118,000	126,000	114,000	119,000	129,000	136,000	121,000	121,000	127,000	128,000	125,000	126,000	116,000	132,000	116,000	117,000	109,000
fdic assessments																								242,750	291,000
benefit from loss reimbursements on sold loans																								43,000	172,000
oreo valuation allowance																								51,250	36,000	155,000	14,000
net (gain)/loss on sales of other real estate owned																								-116,500	42,000	-192,000	-316,000
other general and administrative																								742,000	1,742,000	699,000	527,000	672,000	338,000	439,000	330,000		445,000	471,000	398,000	450,000	305,000	287,000	354,000	449,000	290,000	296,000	245,000	282,000	249,000	303,000	277,000	410,000	299,000	103,000	232,000
income tax expense/																								-357,500	-1,110,000	-413,000				644,000
other comprehensive income/(loss), before tax:
change in net unrealized gains/(losses) on securities:
net unrealized holding gains arising during the period																								538,750	817,000	509,000	829,000
less: reclassification adjustment for (gains)/losses included in net income																								20,750	12,000	32,000	39,000
net unrealized gains/(losses), net of reclassification adjustments																								559,500	829,000
total other comprehensive income/(loss), net of tax																								329,250	488,000	318,000
comprehensive income/																								2,624,500	10,031,000	-421,000		-57,500	-760,000
benefit from loan losses																										279,000	691,000	4,114,000	823,000	451,000				874,000	804,000					112,000			208	172,000
net interest income after benefit from loan losses																										8,152,000	8,185,000	3,379,000	6,661,000	6,557,000	7,155,000			3,396,000	3,155,000	4,220,000	4,505,000	4,514,000	4,728,000	4,673,000	4,678,000	4,647,000	4,758,000	4,560,000
net gain/(loss) on sales of loans																										145,000
fdic expense																										362,000	318,000	208,000	222,000	392,000	383,000
income/(loss) before income taxes																										-1,152,000
net income/																										-739,000				1,549,000
net income/(loss) available to common shareholders																										-1,053,000	-23,000
basic earnings/(loss) per common share																										-90
diluted earnings/(loss) per common share																										-90
change in net unrealized gains on securities:
net unrealized gains, net of reclassification adjustments																										541,000	868,000
income tax expense/(benefit) related to items of other comprehensive income																										223,000
loan servicing and foreclosure income																											338,000
other comprehensive income, before tax:
income tax expense related to items of other comprehensive income																											357,000
total other comprehensive income, net of tax																											511,000
comprehensive income																											888,000			-507			1,158,000	560,250	416,000	733,000	1,092,000	868,250	1,424,000	1,048,000	1,001,000	857,250	1,209,000	1,201,000	1,356,000	1,410,000	1,185,000	696,750	922,000	530,250	833,000
net gain on sales of securities available-for-sale																												721,750	1,450,000	1,118,000	319,000
stationery, supplies, and postage																												84,000	105,000	116,000
loan servicing and foreclosure																												499,000	327,000		-76,000
valuation allowance for oreo																												2,956,000	1,329,000	137,000	421,000
loss/(gain) on sale of other real estate owned																												231,000	105,000
preferred stock dividends and discount accretion																												396,000	138,000
weighted-average common shares outstanding-basic																													11,542,752,000	9,753,153
weighted-average common shares outstanding-diluted																													11,544,142,000	9,785,203
loan servicing & foreclosure																														532,000
loss on sale of other real estate owned																														51,000	768,000
basic earnings/(loss) per share																														0.16
diluted earnings/(loss) per share																														0.16
basic earnings per share																															0.07
diluted earnings per share																															0.07
provision/(reduction) for loan losses																																	405,000				-16,000				71,000	52,000	-44,000
net interest income after provision/(reduction) for loan losses																																	4,720,000
stationary, supplies, and postage																																	108,000	85,250	96,000	124,000	121,000	101,000	125,000	101,000	110,000	115,000	105,000	106,000	88,000	87,000		112,000	104,000
earnings per share
basic							0.12																										0.28	0.128	0.07	0.19	0.25	0.215	0.31	0.28	0.27	0.215	0.33	0.26	0.32	0.34	0.26
diluted							0.12																										0.28	0.125	0.07	0.19	0.25	0.208	0.3	0.27	0.27	0.21	0.32	0.25	0.32	0.33	0.26
(negative) benefit from loan losses																																				-74,000
benefit for loan losses																																						25,000	-83,000
loss on investment - housing fund																																										74,250	99,000
cash flows from operating activities
adjustments to reconcile net income to net cash from operating activities
net amortization on securities																																											-15
depreciation and amortization																																											378
federal home loan bank stock dividends
bank owned life insurance income																																											-508
employee stock ownership plan compensation expense																																											826
stock award compensation expense																																											542
net change in:
deferred loan fees																																											-550
accrued interest receivable																																											-459
other assets																																											-209
accrued interest payable and other liabilities																																											-273
net cash from operating activities																																											3,514
cash flows from investing activities
loan originations and principal collections																																											-18,030
purchase of loans																																											-22,057
increase in other interest bearing deposits																																											989
purchase of federal home loan bank stock																																											-858
redemption of federal home loan bank stock																																											216
purchase of securities available-for-sale																																											-4,316
proceeds from maturities and principal repayments of securities available-for-sale																																											3
sales of securities available-for-sale
purchase of bank owned life insurance investment																																											-15,000
additions to premises and equipment																																											-383
net cash from investing activities																																											-59,436
cash flows from financing activities
net increase in deposits																																											40,057
net change in federal home loan bank open line																																											34,500
repayments of federal home loan bank advances																																											-11,000
proceeds from fhlb advances
purchase of treasury stock																																											-5,880
exercise of stock options																																											41
dividends paid on common stock																																											-1,652
net cash from financing activities																																											56,066
net change in cash and cash equivalents																																											144
cash and cash equivalents at beginning of period																																											12,315
cash and cash equivalents at end of period																																											12,459
loss on investment- housing fund																																												99,000
boli income
provision for loan losses																																													194,000	148,000	108,000	209,000	435,000	401,000	269,000
net interest income after provision for loan losses																																													4,915,000	4,953,000	5,029,000	4,823,000	4,129,000	3,629,000	3,195,000
net gain on sale of securities																																													66,000	27,000
occupancy and equipment expense																																													436,000	422,000	488,000	344,000	460,000	370,750	446,000
data processing expense																																													198,000	193,000		150,000	203,000
total																																															7,743,000			3,986,750	5,691,000
stationary, supplies and postage																																															110,000			122,000	97,000
earnings per share
basic and diluted																																																0.153	0.2
*earnings per shares
basic																																																		0.018	0.07
diluted																																																		0.018	0.07

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	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	2013-12-31	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	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30	2003-03-31	2002-12-31	2002-09-30

assets:
cash and due from banks	205,364,000	222,210,000	215,591,000	192,006,000	251,869,000	203,467,000	199,922,000	202,427,000	45,898,000	42,532,000	36,982,000	47,434,000	69,358,000	43,736,000	34,968,000	41,729,000	31,594,000	28,166,000	21,754,000	38,330,000	40,330,000	23,394,000	28,491,000	28,890,000	22,760,000	26,283,000	36,258,000	4,937,000	8,867,000	7,211,000	7,718,000	6,755,000	5,556,000	5,447,000	5,090,000	5,371,000	37,038,000	7,203,000	7,050,000	7,132,000	7,501,000	5,103,000	5,553,000	6,629,000	5,965,000	5,779,000	5,782,000	6,551,000	6,245,000	6,593,000	6,279,000	6,934,000	7,592,000	5,966,000	5,507,000	6,240,000	5,700,000	5,925,000	5,662,000	5,783,000	5,180,000	6,077,000	4,954,000	6,705,000	7,577,000	11,806,000	6,658,000	7,238,000	10,263,000
interest-earning deposits in financial institutions	2,192,901,000	2,131,342,000	2,128,298,000	2,310,206,000	2,302,358,000	2,495,343,000	2,885,306,000	5,175,149,000	265,087,000	241,197,000	973,969,000	181,462,000	186,700,000	199,328,000	219,273,000	186,394,000	154,246,000	135,166,000	357,755,000	182,489,000	252,160,000	397,246,000	407,501,000	344,582,000	504,114,000	287,567,000	268,447,000
total cash, cash equivalents, and restricted cash	2,398,265,000	2,353,552,000	2,343,889,000	2,502,212,000	2,554,227,000	2,698,810,000	3,085,228,000
securities available-for-sale, at fair value, net of allowance for credit losses (amortized cost of
2,634,761 and 2,526,644, respectively)	2,426,734,000
securities held-to-maturity, at amortized cost, net of allowance for credit losses (fair value of
2,223,622 and 2,156,694, respectively)	2,303,657,000
frb and fhlb stock, at cost	159,337,000	162,243,000	155,330,000	147,773,000	145,123,000	132,380,000	129,314,000	126,346,000
total investment securities	4,889,728,000	4,725,142,000	4,801,300,000	4,700,761,000	4,746,670,000	4,673,119,000	4,707,980,000	4,760,501,000
loans held for sale	211,454,000	465,571,000	25,797,000	26,331,000	28,639,000	1,935,455,000	80,752,000	122,757,000																					110,291,000
loans and leases held for investment	24,110,642,000	24,245,893,000	24,126,527,000	23,781,663,000	23,553,534,000	23,255,297,000	25,517,028,000
allowance for loan and lease losses	-240,501,000	-229,344,000	-234,986,000	-239,360,000	-254,345,000	-247,762,000	-291,503,000	-281,687,000																			-63,885,000
total loans and leases held for investment	23,870,141,000	24,016,549,000	23,891,541,000		23,273,432,000	22,981,147,000	25,181,519,000	25,208,000,000
equipment leased to others under operating leases	280,872,000	288,692,000	295,032,000	307,188,000	314,998,000	335,968,000	339,925,000	344,325,000
premises and equipment	132,766,000	138,032,000	140,347,000	142,546,000	143,200,000	145,734,000	144,912,000	146,798,000	109,141,000	108,235,000	108,087,000	107,345,000	107,728,000	108,523,000	109,593,000	112,868,000	114,011,000	118,649,000	120,071,000	121,520,000				128,021,000					15,492,000	13,152,000	12,412,000	10,585,000	9,385,000	8,716,000	8,249,000	6,344,000	4,214,000	4,253,000	4,215,000	4,294,000	4,268,000	4,344,000	4,415,000	4,448,000	4,514,000	4,555,000	4,657,000	4,755,000	4,849,000	4,917,000	4,893,000	4,910,000	4,978,000	5,054,000	5,073,000	5,180,000	5,284,000	5,315,000	5,266,000	5,279,000	5,176,000	5,292,000	5,366,000	5,372,000	5,420,000	5,249,000	5,093,000	5,163,000	5,182,000
bank owned life insurance	348,051,000	346,142,000	342,810,000	339,517,000	343,212,000	341,779,000	341,806,000	339,643,000	129,939,000	128,973,000	128,022,000	127,122,000	126,199,000	125,326,000	124,516,000	123,720,000	113,884,000	113,168,000	112,479,000	111,807,000	111,115,000	110,487,000	110,397,000	109,819,000	108,720,000	108,132,000	107,552,000																	17,565,000				17,042,000				16,349,000				15,675,000
goodwill	214,521,000	214,521,000	214,521,000	214,521,000	216,770,000	215,925,000	198,627,000	198,627,000	114,312,000	114,312,000	114,312,000	114,312,000	114,312,000	95,127,000	95,127,000	94,301,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	37,144,000	30,143,000	7,039,000
intangible assets	111,923,000	118,930,000	125,937,000	132,944,000	140,562,000	148,894,000	157,226,000
deferred tax asset	672,159,000	691,535,000	702,323,000	720,587,000	706,849,000	738,534,000	741,158,000	739,111,000																													4,828,000
other assets	883,085,000	891,787,000	896,421,000	913,954,000	964,054,000	1,028,474,000	1,094,383,000	1,131,249,000	264,148,000	278,312,000	288,913,000	278,189,000	216,046,000	206,548,000	245,208,000	185,625,000	224,721,000	193,570,000	185,900,000	194,014,000	189,866,000	185,863,000	192,578,000	185,946,000	191,282,000	168,550,000	154,383,000	18,590,000	25,382,000	27,229,000	22,981,000	20,667,000	31,770,000	18,782,000	14,521,000	13,124,000	11,393,000	15,813,000	12,315,000	12,499,000	11,922,000	12,158,000	11,925,000	10,237,000	5,474,000	5,402,000	4,987,000	4,978,000	4,830,000	4,681,000	4,651,000	4,312,000	4,905,000	5,036,000	5,124,000	4,942,000	5,803,000	5,831,000	5,841,000	5,594,000	1,301,000	2,653,000	2,513,000	2,433,000	5,665,000	3,493,000	2,912,000	742,000	2,156,000
total assets	34,012,965,000	34,250,453,000	33,779,918,000	33,542,864,000	33,432,613,000	35,243,839,000	36,073,516,000	38,534,064,000	9,247,072,000	9,370,265,000	10,038,901,000	9,197,016,000	9,368,578,000	9,502,113,000	9,583,540,000	9,393,743,000	8,278,741,000	8,027,413,000	7,933,459,000	7,877,334,000	7,738,106,000	7,770,138,000	7,662,607,000	7,828,410,000	8,625,337,000	9,359,931,000	9,886,525,000	3,628,023,000	1,669,732,000	1,115,120,000	1,083,082,000	999,041,000	928,977,000	882,266,000	834,983,000	861,621,000	862,713,000	881,491,000	903,796,000	893,921,000	894,453,000	893,638,000	896,291,000	876,520,000	845,549,000	824,687,000	797,530,000	774,720,000	770,476,000	769,152,000	787,778,000	808,343,000	813,484,000	822,214,000	777,397,000	755,177,000	734,948,000	733,339,000	700,288,000	674,460,000	674,556,000	664,991,000	650,734,000	623,964,000	613,520,000	532,198,000	500,113,000	459,917,000	408,465,000
liabilities:
noninterest-bearing deposits	7,603,748,000	7,441,116,000	7,593,950,000	7,719,913,000	7,811,796,000	7,825,007,000	7,833,608,000	7,774,254,000	2,366,544,000	2,446,693,000	2,506,616,000	2,809,328,000	2,943,585,000	2,826,599,000	2,958,632,000	2,788,196,000	2,107,709,000	1,808,918,000	1,700,343,000	1,559,248,000	1,450,744,000	1,391,504,000	1,256,081,000	1,088,516,000	1,107,442,000	993,745,000	1,120,700,000	429,158,000
interest-bearing deposits	19,581,017,000	20,087,317,000	19,599,241,000	19,471,996,000	19,016,473,000	20,979,443,000	21,058,799,000	22,627,515,000	4,274,086,000	4,424,383,000	4,445,358,000	4,311,593,000	4,336,800,000	4,732,084,000	4,521,069,000	4,651,239,000	4,435,516,000	4,397,626,000	4,441,699,000	4,526,552,000	4,581,522,000	4,645,961,000	4,306,757,000	4,338,651,000	4,662,616,000	5,298,545,000	6,604,232,000	105,181,000	104,638,000	81,616,000	66,115,000	37,720,000	69,544,000	55,592,000	23,593,000	53,729,000	2,870,000	3,036,000	3,611,000	3,884,000	3,714,000	5,850,000	5,842,000	3,773,000	5,338,000	6,108,000	7,835,000	6,610,000	5,392,000	7,427,000	9,320,000	6,816,000	6,057,000	6,973,000	7,162,000	6,363,000	6,524,000	6,167,000	5,889,000	5,862,000	7,278,000	4,100,000	5,250,000	3,760,000	4,974,000	99,000	3,772,000	3,413,000	3,029,000
total deposits	27,184,765,000	27,528,433,000	27,193,191,000	27,191,909,000	26,828,269,000	28,804,450,000	28,892,407,000	30,401,769,000	6,640,630,000	6,871,076,000	6,951,974,000	7,120,921,000	7,280,385,000	7,558,683,000	7,479,701,000	7,439,435,000	6,543,225,000	6,206,544,000	6,142,042,000	6,085,800,000	6,032,266,000	6,037,465,000	5,562,838,000	5,427,167,000	5,770,058,000	6,292,290,000	7,724,932,000	2,918,644,000	1,328,221,000	852,331,000	853,843,000	786,334,000	711,609,000	685,934,000	634,410,000	646,308,000	684,788,000	682,405,000	691,650,000	658,432,000	637,125,000	628,590,000	630,123,000	598,177,000	575,736,000	565,227,000	576,066,000	574,151,000	582,190,000	582,983,000	578,897,000	570,543,000	553,048,000	539,043,000	524,983,000	508,156,000	493,638,000	477,721,000	470,682,000	453,581,000	450,446,000	436,702,000	427,945,000	389,925,000	358,744,000	326,026,000	309,588,000	279,714,000	277,961,000
borrowings	2,005,022,000	1,917,180,000	1,670,782,000	1,391,814,000	1,591,833,000	1,440,875,000	2,139,498,000	2,911,322,000
subordinated debt	950,888,000	949,213,000	944,908,000	941,923,000	942,151,000	939,287,000	937,717,000	936,599,000
accrued interest payable and other liabilities	405,551,000	428,784,000	449,381,000	517,269,000	574,162,000	651,379,000	709,744,000	893,609,000
total liabilities	30,546,226,000	30,823,610,000	30,258,262,000	30,042,915,000	29,936,415,000	31,835,991,000	32,679,366,000	35,143,299,000	8,245,352,000	8,413,211,000	9,079,994,000	8,237,398,000	8,416,588,000	8,552,983,000	8,604,531,000	8,328,453,000	7,433,938,000	7,198,051,000	7,128,766,000	6,980,127,000	6,863,852,000	6,923,179,000	6,827,605,000	6,921,165,000	7,724,349,000	8,396,387,000	8,938,200,000	3,303,154,000	1,477,993,000	932,825,000	898,080,000	814,546,000	737,489,000	721,791,000	699,333,000	725,612,000	763,846,000	785,078,000	805,314,000	796,436,000	797,439,000	797,996,000	800,933,000	777,797,000	763,700,000	743,657,000	713,691,000	690,645,000	686,899,000	685,710,000	704,622,000	726,602,000	732,763,000	742,855,000	698,806,000	677,408,000	658,133,000	654,279,000	619,957,000	595,069,000	596,176,000	586,746,000	570,685,000	539,425,000	525,954,000	445,568,000	410,429,000	371,036,000	320,790,000
commitments and contingencies
stockholders' equity:
preferred stock	498,516,000	498,516,000	498,516,000	498,516,000	498,516,000	498,516,000	498,516,000	498,516,000								94,956,000	94,956,000	94,956,000	94,956,000	184,878,000	184,878,000	185,037,000	187,687,000	189,825,000	189,825,000	231,128,000	231,128,000
common stock (0.01 par value...
september 30, 2025; 158,557,735 shares issued and 158,346,529 outstanding at december 31, 2024)	1,509,000
class b non-voting common stock (0.01 par value...
and 477,321 shares issued at december 31, 2024)	5,000	5,000	5,000
non-voting common stock equivalents (0.01 par value...
september 30, 2025 and 9,790,600 shares issued at december 31, 2024)	41,000
additional paid-in capital	3,563,145,000	3,609,109,000	3,732,376,000	3,785,725,000	3,802,314,000	3,813,312,000	3,827,777,000	3,840,974,000	869,565,000	867,994,000	866,306,000	866,478,000	864,806,000	856,079,000	855,198,000	854,873,000	631,512,000	630,654,000	629,844,000	634,704,000	633,409,000	632,117,000	631,125,000	629,848,000	628,774,000	627,306,000	626,608,000	256,306,000		151,612,000	151,277,000	150,786,000	178,754,000	145,421,000	119,497,000	119,998,000	67,870,000	67,887,000	67,912,000	67,958,000	68,076,000	68,114,000	68,171,000	68,155,000	67,941,000	67,866,000	67,716,000	67,537,000	67,218,000	66,847,000	66,333,000	65,940,000	65,500,000	65,138,000	64,565,000	66,127,000	65,842,000	65,694,000	65,437,000	65,281,000	65,127,000	65,008,000	64,905,000	64,966,000	64,858,000	64,772,000	61,875,000	61,833,000	61,732,000
retained deficit	-309,460,000	-369,142,000	-387,580,000	-431,201,000	-478,173,000	-477,010,000	-497,396,000
accumulated other comprehensive loss	-287,017,000	-313,217,000	-323,320,000	-354,780,000	-328,148,000	-428,659,000	-436,436,000	-432,114,000	-43,453,000	-49,758,000	-50,489,000											-15,565,000	-54,148,000	-11,900,000	-9,571,000	-12,668,000	-18,091,000			-110,000																			-72,000	-205,000	-138,000	-192,000	-184,000	-353,000	-279,000	-168,000
total stockholders' equity	3,466,739,000	3,426,843,000	3,521,656,000	3,499,949,000	3,496,198,000	3,407,848,000	3,394,150,000	3,390,765,000
total liabilities and stockholders' equity	34,012,965,000	34,250,453,000	33,779,918,000	33,542,864,000	33,432,613,000	35,243,839,000	36,073,516,000	38,534,064,000
2,480,037 and 2,526,644, respectively)		2,246,174,000
2,195,476 and 2,156,694, respectively)		2,316,725,000
june 30, 2025; 158,557,735 shares issued and 158,346,529 outstanding at december 31
2024)		1,474,000	1,561,000
june 30, 2025 and 9,790,600 shares issued at december 31, 2024)		98,000
securities available-for-sale, at fair value									915,054,000	922,091,000	958,427,000		847,565,000	865,435,000	898,775,000		1,303,368,000	1,353,154,000	1,270,830,000		1,245,867,000	1,176,029,000	969,427,000		775,662,000	1,167,687,000	1,471,303,000
2,179,910 and 2,156,694, respectively)			2,311,912,000
march 31, 2025; 158,557,735 shares issued and 158,346,529 outstanding at december 31
march 31, 2025 and 9,790,600 shares issued at december 31, 2024)			98,000
securities available-for-sale, at fair value, net of allowance for credit losses
securities held-to-maturity, at amortized cost, net of allowance for credit losses
at december 31, 2024; 157,651,752 shares issued and 156,790,349 outstanding at
december 31, 2023)				1,586,000
and 477,321 shares issued at december 31, 2023)				5,000	5,000	5,000	5,000
december 31, 2024 and 10,829,990 shares issued at december 31, 2023)				98,000
2,229,482 and 2,168,316, respectively)					2,301,263,000
deferred fees					-25,757,000	-26,388,000	-44,006,000	-45,043,000
september 30, 2024; 157,651,752 shares issued and 156,790,349 outstanding at december 31
2023)					1,586,000
september 30, 2024 and 10,829,990 shares issued at december 31, 2023)					98,000
2,145,929 and 2,168,316, respectively)						2,296,708,000
june 30, 2024; 157,651,752 shares issued and 156,790,349 outstanding at december 31, 2023)						1,583,000
june 30, 2024 and 10,829,990 shares issued at december 31, 2023)						101,000
2,153,349 and 2,168,316, respectively)							2,291,984,000
march 31, 2024; 157,651,752 shares issued and 156,790,349 outstanding at december 31, 2023)							1,583,000
march 31, 2024 and 10,829,990 shares issued at december 31, 2023)							101,000
total cash and cash equivalents								5,377,576,000	310,985,000	283,729,000	1,010,951,000	228,896,000	256,058,000	243,064,000	254,241,000	228,123,000	185,840,000	163,332,000	379,509,000	220,819,000	292,490,000	420,640,000	435,992,000	373,472,000	526,874,000	313,850,000	304,705,000	110,118,000	122,060,000	88,827,000	73,833,000	44,475,000	75,100,000	61,039,000	28,683,000	59,100,000	39,908,000	40,104,000	44,496,000	34,596,000	25,390,000	11,658,000	11,395,000	19,237,000	11,703,000	12,237,000	16,022,000	21,796,000	13,242,000	16,125,000	18,624,000	13,995,000	14,899,000	13,224,000	16,184,000	13,873,000	12,459,000	12,092,000	12,401,000	12,315,000	13,433,000	11,462,000	11,424,000	11,575,000	18,751,000	12,940,000	11,585,000	11,506,000	19,217,000
gross loans and leases held for investment								25,534,730,000
core deposit and customer relationship intangibles								165,477,000
at december 31, 2023; 78,973,869 shares issued and 77,393,448 outstanding at
december 31, 2022)								1,577,000
and no shares issued at december 31, 2022)								5,000
december 31, 2023 and no shares issued at december 31, 2022)								108,000
retained (deficit) earnings								-518,301,000
assets
securities held-to-maturity, at amortized cost									328,287,000	328,405,000	328,520,000	328,641,000	328,757,000	329,272,000	329,381,000
loans receivable									6,961,032,000	7,156,206,000	7,054,380,000	7,115,038,000	7,289,320,000	7,451,264,000	7,451,573,000	7,251,480,000	6,228,575,000	5,985,477,000	5,764,401,000	5,898,405,000	5,678,002,000	5,627,696,000	5,667,464,000	5,951,885,000	6,383,259,000	6,719,570,000
allowance for loan losses									-74,390,000	-80,883,000	-84,560,000	-85,960,000	-92,444,000	-93,793,000	-93,226,000	-92,584,000	-73,524,000	-75,885,000	-79,353,000	-81,030,000				-57,649,000	-62,927,000	-59,523,000
federal home loan bank and other bank stock, at cost									60,336,000	60,281,000	70,334,000	57,092,000	54,428,000	51,489,000	51,456,000	44,632,000	44,604,000	44,569,000	44,964,000	44,506,000	44,809,000	46,585,000	57,237,000	59,420,000	71,679,000	76,373,000	55,794,000	22,600,000	8,842,000
deferred income taxes									51,461,000	64,001,000	54,450,000	50,518,000	56,376,000	54,455,000	51,516,000	50,774,000	40,659,000	41,628,000	47,877,000	45,957,000	43,744,000	48,288,000	63,849,000	44,906,000	45,950,000	42,798,000	45,111,000
other intangibles									6,142,000	6,603,000	7,065,000	7,526,000	8,081,000
derivative assets									70,625,000
liabilities and stockholders’ equity
federal home loan bank (fhlb) advances, net and federal reserve bank (frb) borrowings									1,008,293,000	1,147,997,000	1,732,670,000
other borrowings									185,802,000				10,000,000	98,000,000	190,000,000	25,000,000	100,000,000	125,000,000
long-term debt									274,279,000	274,121,000	274,995,000	274,906,000	274,746,000	274,587,000	274,468,000	274,386,000	256,706,000	256,554,000	256,441,000	256,315,000	173,623,000	173,537,000		173,421,000
accrued expenses and other liabilities									136,348,000	120,017,000	120,355,000	114,223,000	86,493,000	69,296,000	60,852,000	68,550,000	92,856,000	92,851,000	66,622,000	72,055,000	73,056,000	68,909,000	85,612,000	95,684,000	105,742,000	80,383,000	79,172,000	46,763,000	27,089,000	13,611,000	10,111,000	8,212,000	5,880,000	5,857,000	4,923,000	4,304,000	4,058,000	2,673,000	3,664,000	3,004,000	4,439,000	3,906,000	3,915,000	4,620,000	4,664,000	4,430,000	4,325,000	4,794,000	5,209,000	5,227,000	4,525,000	4,859,000	5,215,000	4,012,000	3,423,000	5,052,000	5,495,000	4,358,000	4,775,000	5,988,000	3,230,000	5,044,000	3,240,000	2,500,000	2,810,000	2,042,000	2,241,000	1,222,000	1,829,000
commitments and contingent liabilities
common stock, 0.01 par value per share...									653,000	653,000	653,000	651,000	652,000	647,000	646,000	646,000	527,000	527,000	526,000	522,000	522,000	522,000	520,000	520,000	520,000	520,000	518,000
class b non-voting non-convertible common stock, 0.01 par value per share...									5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000
retained earnings									312,219,000	275,430,000	263,524,000	248,988,000	231,084,000	210,471,000	187,457,000	147,894,000	147,682,000	129,307,000	115,004,000	110,179,000	95,001,000	85,670,000	110,640,000	127,733,000	120,221,000	146,039,000	136,943,000	16,981,000		23,746,000	26,201,000	27,623,000	35,065,000	35,928,000	35,448,000	35,773,000	35,587,000	33,015,000	35,932,000	35,515,000	36,573,000	35,535,000	35,288,000	38,496,000	40,703,000	40,025,000	42,587,000	42,192,000	42,129,000	42,623,000	42,601,000	41,993,000	41,542,000	40,951,000	40,471,000	39,962,000	39,307,000	38,509,000	37,990,000	37,385,000	36,818,000	35,911,000	34,915,000	34,137,000	33,387,000	32,758,000	32,016,000	31,305,000	30,554,000
treasury stock									-137,269,000	-137,270,000	-121,092,000	-115,907,000	-96,978,000	-84,013,000	-45,125,000	-40,827,000	-40,827,000	-40,827,000	-40,827,000	-40,827,000	-40,827,000	-40,827,000	-40,827,000	-28,786,000	-28,786,000	-28,786,000	-28,786,000	-27,911,000		-25,007,000	-25,110,000	-25,037,000	-24,986,000	-24,806,000	-25,139,000	-25,135,000	-25,801,000	-25,796,000	-25,796,000	-25,788,000	-25,771,000	-25,763,000	-25,739,000	-25,736,000	-25,199,000	-25,138,000	-24,614,000	-23,685,000	-23,594,000	-23,592,000	-23,282,000	-23,515,000	-23,525,000	-23,638,000	-23,300,000	-23,293,000	-23,017,000	-19,665,000	-17,180,000	-17,180,000	-17,180,000	-15,981,000	-13,650,000	-8,016,000	-4,020,000	-4,020,000
total stockholders’ equity									1,001,720,000	957,054,000	958,907,000	959,618,000	951,990,000	949,130,000	979,009,000	1,065,290,000	844,803,000	829,362,000	804,693,000	897,207,000	874,254,000	846,959,000	835,002,000	907,245,000	900,988,000	963,544,000	948,325,000																																		78,380,000	78,245,000	80,049,000	84,539,000	87,566,000	86,630,000	89,684,000	88,881,000	87,675,000
total liabilities and stockholders’ equity									9,247,072,000	9,370,265,000	10,038,901,000	9,197,016,000	9,368,578,000	9,502,113,000	9,583,540,000	9,393,743,000	8,278,741,000	8,027,413,000	7,933,459,000	7,877,334,000	7,738,106,000	7,770,138,000	7,662,607,000	7,828,410,000	8,625,337,000	9,359,931,000	9,886,525,000																																		674,556,000	664,991,000	650,734,000	623,964,000	613,520,000	532,198,000	500,113,000	459,917,000	408,465,000
securities available-for-sale, carried at fair value												868,297,000				1,315,703,000				1,231,431,000				912,580,000
federal home loan bank advances												727,348,000	727,021,000	511,695,000	556,374,000	476,059,000	405,738,000	490,419,000	635,105,000	539,795,000	559,482,000	617,170,000	978,000,000	1,195,000,000
accumulated other comprehensive income												-40,597,000	-47,579,000	-34,059,000	-19,172,000	7,743,000	10,948,000	14,740,000	5,185,000	7,746,000	1,266,000							-600,000						887,000	2,944,000	2,599,000	2,668,000	2,901,000	2,165,000	1,667,000	139,000			209,000													-145,000	1,000	-129,000		19,000	20,000	41,000	51,000	76,000	124,000	184,000	261,000	287,000
operating lease right-of-use assets													30,321,000	32,632,000	34,189,000	35,442,000	29,054,000	20,364,000	22,069,000	19,633,000	18,909,000	19,408,000		22,540,000
investments in alternative energy partnerships													22,401,000	23,531,000	25,156,000	25,888,000	25,196,000	24,068,000	23,809,000	27,977,000	27,786,000	26,967,000	27,347,000	29,300,000	27,039,000	26,633,000	26,578,000
income tax receivable													3,430,000	4,563,000	1,045,000	7,952,000				1,105,000	10,701,000	13,094,000	7,198,000	4,233,000	4,459,000	2,547,000	4,787,000	2,995,000
reserve for loss on repurchased loans													3,006,000	3,222,000	3,877,000	4,348,000	5,023,000	5,095,000	5,383,000		5,487,000	5,567,000	5,601,000	6,201,000				5,427,000
operating lease liabilities													34,937,000	37,500,000	39,259,000	40,675,000	30,390,000	21,588,000	23,173,000	20,647,000	19,938,000	20,531,000	22,075,000	23,692,000	25,210,000	25,457,000	25,893,000
other intangible assets														4,677,000	4,990,000	6,411,000	1,787,000	2,069,000	2,351,000	2,633,000	2,939,000	3,292,000	3,722,000	4,151,000	4,605,000	5,105,000	5,726,000	12,152,000	5,841,000
loans held-for-sale, carried at fair value																3,408,000	3,422,000	2,853,000	1,408,000	1,413,000	1,849,000	19,768,000	20,234,000	22,642,000	23,936,000	23,794,000	25,191,000
other real estate owned																		3,253,000														14,692,000
loan repurchase reserve																				5,515,000
allowance for credit losses - loans																					-90,927,000	-90,370,000	-78,243,000
premises, equipment																					123,812,000	125,247,000	127,379,000
operating lease right-of-use-assets																							20,882,000
long term debt																							173,479,000		173,339,000	173,257,000	173,203,000
loans held-for-sale, carried at lower of cost or fair value																										573,926,000
assets of discontinued operations
premises, equipment, and capital leases																									128,979,000	129,227,000	130,417,000	66,260,000
operating lease right of use assets																									23,907,000	24,118,000	24,519,000
receivable on unsettled securities sales																									334,769,000
advances from federal home loan bank																									1,650,000,000	1,825,000,000	935,000,000	250,000,000	86,000,000	35,000,000	35,000,000	20,000,000	20,000,000	30,000,000	60,000,000	75,000,000	75,000,000	100,000,000	110,000,000	135,000,000	150,000,000	165,500,000	166,895,000	175,000,000	183,300,000	174,000,000	133,300,000	111,700,000	99,500,000	97,500,000	121,200,000	151,200,000	174,500,000	199,800,000	170,400,000	164,200,000	159,000,000	172,200,000	144,500,000	135,500,000	142,500,000	145,000,000	139,500,000	147,000,000	164,400,000	117,500,000	98,600,000	90,100,000	41,000,000
loans and leases receivable																											7,557,200,000
time deposits in financial institutions																												1,846,000	5,621,000
securities available for sale, at fair value																												170,022,000
loans held for sale, carried at fair value																												192,613,000
loans held for sale, carried at lower of cost or fair value																												524,120,000
loans and leases receivable, net of allowance of 18,805 at december 31, 2013 and 14,448 at december 31, 2012																												2,427,306,000
servicing rights																												13,883,000	2,170,000
accrued interest receivable																												10,866,000	5,312,000	3,715,000	3,891,000	3,569,000	3,220,000	3,466,000	3,465,000	3,531,000	3,647,000	3,451,000	3,685,000	3,936,000	3,665,000	4,223,000	4,276,000	4,008,000	3,936,000	3,803,000	3,764,000	3,853,000	3,996,000	3,481,000	3,575,000	3,958,000	3,578,000	3,533,000	3,209,000	2,968,000	2,714,000	2,666,000	2,528,000	2,255,000	2,221,000	2,278,000	2,207,000	2,121,000				1,809,000
bank-owned life insurance																												18,881,000
deferred income tax																													7,441,000
affordable housing fund investment																												5,628,000
liabilities and shareholders’ equity
notes payable																												82,320,000	34,018,000	31,714,000
preferred stock, 0.01 par value per share...
series a, non-cumulative perpetual preferred stock, 1,000 per share liquidation preference, 32,000 shares authorized, 32,000 shares issued and outstanding at december 31, 2013 and december 31, 2012																												31,934,000
series b, non-cumulative perpetual preferred stock, 1,000 per share liquidation preference, 10,000 shares authorized, 10,000 shares issued and outstanding at december 31, 2013 and 0 shares issued and outstanding at december 31, 2012																												10,000,000
series c, 8.00% non-cumulative perpetual preferred stock, 1,000 per share liquidation preference, 40,250 shares authorized, 40,250 shares issued and outstanding at december 31, 2013 and 0 shares issued and outstanding at december 31, 2012																												37,943,000
common stock, .01 par value per share...																												210,000		118,000	117,000	117,000	117,000	117,000	99,000	99,000	54,000	54,000	54,000	54,000	54,000	54,000	54,000		54,000	54,000	54,000		54,000	54,000	54,000		54,000	54,000	54,000		54,000	54,000	54,000		54,000	54,000	54,000		55,000	55,000	53,000
class b non-voting non-convertible common stock, .01 par value per share...																												6,000		11,000	11,000	11,000	10,000	10,000	10,000	10,000
total shareholders’ equity																												324,869,000		182,295,000	184,002,000	184,495,000	191,488,000	160,475,000	135,650,000	136,009,000	98,867,000	96,413,000	98,482,000	97,485,000	97,014,000	95,642,000	95,358,000	98,723,000	81,849,000	81,030,000	83,839,000	84,075,000	83,577,000	83,442,000	83,156,000	81,741,000	80,721,000	79,359,000	78,591,000	77,769,000	76,815,000	79,060,000	80,331,000	79,391,000
total liabilities and shareholders’ equity																												3,628,023,000		1,115,120,000	1,083,082,000	999,041,000	928,977,000	882,266,000	834,983,000	861,621,000	862,713,000	881,491,000	903,796,000	893,921,000	894,453,000	893,638,000	896,291,000	876,520,000	845,549,000	824,687,000	797,530,000	774,720,000	770,476,000	769,152,000	787,778,000	808,343,000	813,484,000	822,214,000	777,397,000	755,177,000	734,948,000	733,339,000	700,288,000	674,460,000
federal funds sold																													8,555,000									29,865,000	33,835,000	23,580,000	14,175,000	705,000		8,835,000	400,000	350,000	2,405,000	8,635,000	1,605,000	2,105,000	3,025,000	245,000	1,250,000	285,000	3,515,000	1,270,000	235,000		850,000	670,000	975,000	1,285,000	1,220,000	1,110,000	6,200,000	1,035,000	1,155,000	855,000	5,925,000
securities available for sale																													122,271,000	117,008,000	101,452,000	101,616,000
originated loans and leases receivable, net of allowance of 11,663 at september 30, 2012 and 12,257 at december 31, 2011																													798,347,000
purchased loans and leases receivable, net of allowance of 716 at september 30, 2012 and 523 at december 31, 2012																													404,648,000
other real estate owned (oreo)																													8,704,000	9,239,000	12,843,000
bank owned life insurance investment																													18,649,000	18,581,000	18,520,000	18,451,000	18,372,000	18,295,000	18,215,000	18,151,000	18,097,000	18,040,000	17,979,000	17,932,000	17,846,000	17,751,000	17,607,000		17,526,000	17,358,000	17,213,000		16,861,000	16,693,000	16,503,000		16,175,000	16,011,000	15,849,000		15,508,000	15,316,000	15,129,000
prepaid fdic assessment																													1,622,000	1,752,000	2,100,000	2,405,000	2,603,000	2,781,000	3,156,000	3,521,000	3,894,000	4,266,000	4,650,000	5,013,000
deposits
noninterest-bearing demand																													88,616,000	26,594,000	24,961,000	20,039,000
interest-bearing demand																													183,516,000	53,007,000	96,902,000	68,578,000
money market accounts																													253,557,000	225,808,000	177,314,000	188,658,000	87,029,000	85,973,000	88,287,000	89,708,000				81,771,000				81,837,000				129,466,000				169,708,000				123,557,000				75,641,000				65,541,000
savings accounts																													162,979,000	41,827,000	42,761,000	39,176,000	135,836,000	135,438,000	135,064,000	124,620,000				121,503,000				96,864,000				80,625,000				43,440,000				57,076,000				63,258,000				52,843,000				47,970,000
certificates of deposit																													639,553,000	505,095,000	511,905,000	469,883,000	418,568,000	396,878,000	345,612,000	371,949,000				397,195,000				365,331,000				305,072,000				290,116,000				246,805,000				229,129,000				203,376,000				137,168,000
reserve for loss reimbursements on sold loans																													2,665,000
federal home loan bank stock, at cost																														6,311,000	6,639,000	6,972,000	7,310,000	7,650,000	7,993,000	8,323,000	8,669,000	9,016,000	9,364,000	9,364,000	9,364,000	9,364,000	9,364,000	9,364,000	9,278,000	8,192,000	6,935,000	6,842,000	6,753,000	6,660,000	8,679,000	9,794,000	9,922,000	9,804,000	8,623,000	8,523,000	8,426,000			7,784,000				8,293,000				4,505,000
loans, net of allowance of 11,448 at june 30, 2012 and 12,780 at december 31, 2011																														829,137,000
capital lease assets																														169,000	126,000
capital lease obligation																														169,000	126,000
shareholders’ equity
preferred stock, .01 par value per share...																														31,925,000	31,934,000	31,934,000					19,123,000	19,113,000	19,103,000	19,094,000	19,085,000	19,075,000	19,065,000	19,068,000
loans, net of allowance of 11,173 at march 31, 2012 and 12,780 at december 31, 2011																															828,285,000
accumulated other comprehensive income/(loss)																															-428,000
loans, net of allowance of 12,780 at december 31, 2011 and 14,637 at december 31, 2010																																775,609,000
unearned employee stock ownership plan																																	-127,000	-254,000	-381,000	-507,000								-1,523,000				-2,031,000				-2,539,000				-3,047,000				-3,555,000				-4,063,000
accumulated other comprehensive income/																																-939,000	-517,000									-103,000	-85,000					8,000
securities available-for-sale																																	64,926,000	74,613,000	73,689,000	64,790,000	71,194,000	70,452,000	70,798,000	52,304,000	48,751,000	43,542,000	38,394,000	17,565,000	5,000	5,000	5,000	4,367,000	14,208,000	13,976,000	14,086,000	13,989,000	13,998,000	13,707,000	13,829,000	14,012,000	14,100,000	14,345,000	14,119,000	10,019,000	98,000	5,554,000	5,282,000	6,419,000	8,533,000	14,631,000	17,194,000	18,733,000	19,008,000
loans, net of allowance of 8,993 at september 30, 2011 and 14,637 at december 31, 2010																																	695,740,000
real estate owned																																	20,551,000	15,019,000	6,433,000	6,562,000	7,790,000	8,342,000	9,697,000	5,680,000	5,277,000	8,147,000	5,888,000	158,000	436,000	436,000	436,000
noninterest-bearing																																	20,934,000	21,702,000	18,066,000	15,171,000	15,599,000	15,325,000	14,487,000	14,021,000	14,580,000	14,959,000	16,440,000		14,815,000	14,823,000	16,324,000		14,867,000	15,776,000	15,859,000		14,930,000	14,763,000	16,337,000		17,658,000
interest-bearing																																	49,242,000	45,943,000	47,381,000	44,860,000	669,189,000	667,080,000	677,163,000	43,942,000	622,545,000	613,631,000	613,683,000		560,921,000	550,404,000	559,742,000		567,323,000	567,207,000	563,038,000		538,118,000	524,280,000	508,646,000		475,980,000	459,272,000	455,994,000		435,869,000	423,034,000	413,420,000		347,488,000	315,971,000	302,148,000		272,838,000
additional paid-in capital-warrants																																	3,172,000	3,172,000	3,172,000	3,172,000
loans, net of allowance of 8,431 at june 30, 2011 and 14,637 at december 31, 2010																																		671,905,000
loans, net of allowance of 11,905 at march 31, 2011 and 14,637 at december 31, 2010																																			670,579,000
loans, net of allowance of 14,637 at december 31, 2010 and 13,079 at december 31, 2009																																				678,175,000
shareholder’s equity
loans receivable, net of allowance of 17,560 at september 30, 2010 and 13,079 at december 31, 2009																																					689,079,000
unearned employee stock ownership plan shares																																					-634,000	-761,000	-888,000	-1,015,000	-1,142,000	-1,270,000	-1,396,000		-1,650,000	-1,777,000	-1,904,000		-2,158,000	-2,285,000	-2,412,000		-2,666,000	-2,793,000	-2,920,000		-3,174,000	-3,301,000	-3,428,000		-3,682,000	-3,809,000	-3,936,000						-4,951,000
loans receivable, net of allowance of 17,697 at june 30, 2010 and 13,079 at december 31, 2009																																						707,754,000
loans receivable, net of allowance of 14,113 at march 31, 2010 and 13,079 at december 31, 2009																																							726,597,000
interest-bearing deposit in other financial institution																																										893,000	893,000		893,000	992,000	992,000		992,000	992,000	992,000		992,000	992,000	1,512,000		1,501,000	2,491,000	2,490,000		700,000	700,000
loans, net of allowance of 13,079 at december 31, 2009 and 18,286 at december 31, 2008																																								748,303,000
liabilities and shareholders’ equity liabilities
loans receivable, net of allowance of 11,188 at september 30, 2009 and 18,286 at december 31, 2008																																									767,970,000
liabilities and equity
liabilities
due to broker																																									5,875,000
loans receivable, net of allowance of 14,603 at june 30, 2009 and 18,286 at december 31, 2008																																										781,558,000
loans receivable, net of allowance of 20,360 at march 31, 2009 and 18,286 at december 31, 2008																																											792,134,000
interest-bearing deposits in other financial institutions																																												893,000				992,000				992,000				1,507,000							965,000
loans, net of allowance of 18,286 in 2008 and 6,240 in 2007																																												793,045,000
deposits:
non-interest-bearing																																												14,697,000				17,873,000				14,362,000				16,706,000		18,449,000	14,688,000	15,561,000	14,577,000	13,668,000	14,525,000	12,327,000	11,256,000	10,055,000	7,440,000	6,389,000	5,123,000
interest-bearing checking																																												39,448,000				41,115,000				52,917,000				64,012,000				69,992,000				55,838,000				25,534,000
shareholders’ equity:
common stock, .01 par value...																																												54,000				54,000				54,000				54,000				54,000				55,000
loans receivable, net of allowance of 12,660 at september 30, 2008 and 6,240 at december 31, 2007																																													791,784,000
loans receivable, net of allowance of 11,389 at june 30, 2008 and 6,240 at december 31, 2007																																														771,707,000
loans receivable, net of allowance of 5,914 at march 31, 2008 and 6,240 at december 31, 2007																																															742,519,000
loans, net of allowance of 6,240 in 2007 and 4,670 in 2006																																																710,095,000
loans receivable, net of allowance of 5,372 at september 30, 2007 and 4,670 at december 31, 2006																																																	704,745,000
loans receivable, net of allowance of 4,571 at june 30, 2007 and 4,670 at december 31, 2006																																																		701,627,000
loans receivable, net of allowance of 4,653 at march 31, 2007 and 4,670 at december 31, 2006																																																			715,775,000
loans, net of allowance of 4,670 in 2006 and 4,691 in 2005																																																				740,044,000
unearned employee stock award shares																																																								-1,866,000	-2,052,000	-2,232,000	-2,413,000	-2,594,000	-2,776,000	-2,958,000	-2,280,000	-2,591,000
loans receivable, net of allowance of 4,788 at september 30, 2006 and 4,691 at december 31, 2005																																																					744,037,000
loans receivable, net of allowance of 4,869 at june 30, 2006 and 4,691 at december 31, 2005																																																						754,853,000
loans receivable, net of allowance of 4,760 at march 31, 2006 and 4,691 at december 31, 2005																																																							707,994,000
loans, net of allowance of 4,691 in 2005 and 4,430 in 2004																																																								688,497,000
loans receivable, net of allowance of 4,661 at september 30, 2005 and 4,430 at december 31, 2004																																																									669,153,000
federal home loan bank stock																																																										8,343,000	7,871,000		7,713,000	7,622,000	8,373,000		8,220,000	5,910,000	5,131,000		2,617,000
loans receivable, net of allowance of 4,699 at june 30, 2005 and 4,430 at december 31, 2004																																																										666,940,000
loans receivable, net of allowance of 4,519 and 4,430																																																											634,643,000
interest-bearing deposit in other financial institutions																																																												2,490,000				500,000
loans, net of allowance of 4,430 in 2004 and 4,232 in 2003																																																												628,724,000
loans receivable, net of allowance of 4,605 and 4,232																																																													643,914,000
stockholders’ equity
loans receivable, net of allowance of 4,409 and 4,232																																																														629,430,000
loans receivable, net of allowance of 4,320 and 4,232																																																															614,604,000
loans, net of allowance of 4,232 in 2003 and 2,953 in 2002																																																																587,251,000
servicing agent receivable																																																																		35,000	14,253,000	13,727,000	9,767,000
stockholders’ equity:
loans receivable, net of allowance of 4,037 and 2,953																																																																	566,931,000
unearned employee stock ownership plan shares, 349,140 and 380,880 shares at september 30,2003 and december 31, 2002																																																																	-4,190,000
unearned employee stock award shares, 151,250 shares at september 30, 2003																																																																	-2,600,000
loans receivable, net of allowance of 3,479 and 2,953																																																																		489,940,000
unearned employee stock ownership plan shares, 359,720 and 380,880 shares at june 30,2003 and december 31, 2002																																																																		-4,317,000
unearned employee stock award shares, 159,000 shares at june 30, 2003																																																																		-2,742,000
loans receivable, net of allowance of 2,536 and 1,744																																																																			443,945,000
unearned employee stock ownership plan shares, 370,300 and 380,880 shares at march 31,2003 and december 31, 2002																																																																			-4,444,000
loans, net of allowance for loan losses of 2,953 in 2002 and 1,742 in 2001																																																																				403,732,000
unearned esop																																																																				-4,571,000
loans receivable, net of allowance of 2,536 and 1,743																																																																					350,518,000
liabilities and stockholders' equity
stockholders' equity

Cashflow Statements:

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	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	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30	2003-03-31	2002-12-31

cash flows from operating activities:
net earnings	69,629,000	28,385,000	53,568,000	56,919,000	8,784,000	30,333,000	30,852,000
adjustments to reconcile net earnings to net cash from operating activities:
depreciation and amortization	12,162,000	12,342,000	13,027,000	13,394,000	13,512,000	13,812,000	13,875,000																						315,000	220,000	199,000	168,000	153,000	130,000	107,000	93,000	93,000	97,000	112,000	111,000	114,000	109,000	110,000	109,000	119,000	109,000	117,000	117,000	115,000	103,000	109,000	111,000	117,000	124,000	130,000	127,000	126,000	125,000
amortization of net premiums on investment securities	5,004,000	4,966,000	5,068,000	5,341,000	5,972,000	6,358,000	6,138,000
accretion of net purchased loan discounts and deferred loan fees	-24,365,000	-21,671,000	-21,181,000
amortization of intangible assets	7,160,000	7,159,000	7,160,000	7,770,000	8,485,000	8,484,000	8,404,000							313,000	441,000	430,000	282,000	282,000	282,000	306,000	353,000	430,000	429,000	454,000	500,000	621,000	620,000
amortization of operating lease rou assets	5,922,000	5,855,000	5,895,000	6,052,000	9,772,000	9,638,000	8,204,000
provision for credit losses			9,300,000				10,000,000													991,000
gain on sale of foreclosed assets	23,000			128,000	-379,000	-247,000	-321,000
provision for losses on foreclosed assets			265,000				297,000
loss on sale of loans and leases			-211,000				448,000
loss on sale of premises and equipment
loss on sale of securities				454,000
gain on boli death benefit					0
unrealized loss on derivatives, foreign currencies, and credit-linked notes	-54,000	550,000	-279,000				513,000
locom hfs adjustment	0			3,000	74,000	38,000	-330,000
earned stock compensation	6,110,000	6,437,000	5,495,000	1,435,000	5,445,000	3,912,000	4,656,000
decrease in other assets	9,813,000	16,304,000	12,301,000				31,579,000
decrease in accrued interest payable and other liabilities	-25,920,000	-36,928,000	-75,303,000				-178,623,000
net cash from operating activities	75,681,000	62,714,000	15,122,000	79,796,000	46,871,000	39,103,000	-88,396,000	41,741,000	43,591,000	39,363,000	11,073,000	25,615,000	35,359,000	69,883,000	5,265,000	30,040,000	11,610,000	40,153,000	23,936,000	36,767,000	40,642,000	-9,596,000	7,049,000	20,129,000	33,912,000	7,678,000	18,536,000	-41,616,000	2,566,000	6,683,000	5,584,000	4,472,000	-1,114,000	4,696,000	5,107,000	8,704,000	2,671,000	6,794,000	-9,464,000	10,894,000	3,140,000	2,425,000	-72,000	2,976,000	3,173,000	862,000	896,000	336,000	1,353,000	952,000	479,000	2,443,000	2,057,000	521,000	3,044,000	2,747,000	677,000	90,000	1,676,000	1,538,000	3,471,000	2,497,000	2,529,000	556,000	980,000	2,252,000	197,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	75,681,000	62,714,000	15,122,000	79,796,000	46,871,000	39,103,000	-88,396,000	41,741,000	43,591,000	39,363,000	11,073,000	25,615,000	35,359,000	69,883,000	5,265,000	30,040,000	11,610,000	40,153,000	23,936,000	36,767,000	40,642,000	-9,596,000	7,049,000	20,129,000	33,912,000	7,678,000	18,536,000	-41,616,000	2,566,000	6,683,000	5,584,000	4,472,000	-1,114,000	4,696,000	5,107,000	8,704,000	2,671,000	6,794,000	-9,464,000	10,894,000	3,140,000	2,425,000	-72,000	2,976,000	3,173,000	862,000	896,000	336,000	1,353,000	952,000	479,000	2,443,000	2,057,000	521,000	3,044,000	2,747,000	677,000	90,000	1,676,000	1,538,000	3,471,000	2,497,000	2,529,000	556,000	980,000	2,252,000	197,000
cash flows from investing activities:
net increase in loans and leases	204,206,000	-611,699,000	-337,351,000		-298,264,000	101,555,000	-202,957,000
proceeds from sales of loans and leases	210,366,000	31,120,000	1,301,000	20,000	1,925,502,000	257,051,000	273,241,000
proceeds from maturities and paydowns of securities available-for-sale	121,065,000	111,846,000	97,893,000	91,938,000	67,005,000	40,112,000	44,517,000
proceeds from sales of securities available-for-sale				11,450,000								111,150,000	0	-1,000	17,646,000					2,000	-1,000			373,519,000	40,960,000	279,413,000	502,606,000	2,030,000	2,744,000	2,938,000	11,977,000	32,654,000	11,714,000	6,478,000
purchases of securities available-for-sale	-277,587,000	-18,324,000	-148,541,000	-106,337,000	-724,054,000	0	-5,558,000	88,301,000	0	0	-101,740,000	-135,244,000	-12,500,000	-10,000,000	-5,000,000	-85,897,000	0	-173,968,000	-52,845,000	0	-48,502,000	-175,180,000	-147,410,000					-13,859,000	-31,447,000	-10,782,000	-44,492,000	-41,263,000	-22,878,000	-20,342,000	0	-6,316,000	-2,339,000	-20,455,000	-3,035,000	-7,278,000	-7,794,000	-22,500,000
proceeds from maturities and paydowns of securities held-to-maturity	18,508,000	304,000	310,000	303,000	509,000	292,000	294,000
purchases of fhlb and frb stock	-35,000	-8,699,000	-7,557,000	-2,650,000	-12,974,000	-4,848,000	-2,968,000
redemptions of fhlb and frb stock	2,941,000			0	231,000
proceeds from sales of foreclosed assets	3,921,000	1,752,000	5,316,000	2,348,000	5,939,000	2,729,000	5,893,000
purchases of premises and equipment	-185,000	-1,269,000	-1,525,000	-4,134,000	-2,274,000	-4,697,000	-1,942,000	-7,338,000	-2,865,000	-2,386,000	-2,630,000		-1,175,000	-852,000	-529,000		-538,000	-869,000	-849,000		-1,080,000	-980,000	-2,487,000		-2,424,000	-2,219,000	-3,748,000
proceeds from sales of premises and equipment				54,000	134,000	0	2,000
proceeds from boli death benefit					555,000
net decrease in equipment leased to others under operating leases			5,415,000	714,000
net cash from investing activities	285,526,000	-493,543,000	-384,739,000	-266,002,000	1,658,023,000	391,941,000	107,402,000	12,565,484,000	174,016,000	-75,916,000	-54,439,000	138,743,000	145,644,000	20,114,000	-154,973,000	411,308,000	-210,740,000	-295,588,000	89,355,000	-217,950,000	-98,825,000	-107,396,000	157,256,000	631,241,000	929,336,000	552,385,000	682,345,000	-33,523,000	-17,399,000	-58,169,000	-110,764,000	-36,628,000	-13,771,000	-6,439,000	17,127,000	14,169,000	12,631,000	-4,656,000	12,891,000	10,253,000	756,000	-33,106,000	-24,351,000	-22,465,000	-35,527,000	-28,308,000	4,185,000	-3,647,000	16,850,000	25,867,000	4,389,000	11,083,000	-47,702,000	-20,632,000	-20,599,000	-1,187,000	-32,688,000	-25,561,000	1,596,000	-9,160,000	-14,031,000	-27,117,000	-19,009,000	-74,023,000	-30,639,000	-40,301,000	-58,808,000
cash flows from financing activities:
net increase in noninterest-bearing deposits	162,632,000	-152,834,000	-125,963,000		-13,211,000	-8,601,000	59,354,000
net increase in interest-bearing deposits	-506,300,000	488,076,000	127,245,000
repayments of borrowings	-783,000	-175,170,000	-1,014,000	-201,478,000	-346,906,000	-1,001,181,000	-1,074,191,000
proceeds from borrowings	90,000,000	420,158,000	279,842,000	0	500,000,000	300,000,000	300,000,000
common shares repurchased under stock repurchase program	-35,882,000	-112,914,000	-38,931,000
common shares purchased under dividend reinvestment plan	70,000	72,000	72,000
exercise of options
restricted stock surrendered	-230,000	-688,000	-2,699,000	-158,000	-158,000	-1,154,000	-1,238,000
preferred stock dividends paid	-9,947,000	-9,947,000	-9,947,000	-9,947,000	-9,947,000	-9,947,000	-9,947,000
common stock dividends paid	-16,131,000	-16,261,000	-17,311,000	-17,931,000	-16,380,000	-17,301,000	-16,686,000
net cash from by financing activities	-316,494,000	440,492,000	211,294,000
net decrease in cash, cash equivalents, and restricted cash	44,713,000	9,663,000	-158,323,000
cash, cash equivalents, and restricted cash, beginning of period	0	0	2,502,212,000		0	0	5,377,576,000
cash, cash equivalents, and restricted cash, end of period	44,713,000	9,663,000	2,343,889,000		-144,583,000	-386,418,000	3,085,228,000
benefit from credit losses					9,000,000																	11,826,000	15,761,000
benefit from losses on foreclosed assets					207,000
gain on sale of loans and leases
gain on sale of premises and equipment					-57,000	82,000	-1,000
net decrease (increase) in equipment leased to others under operating leases
loss on sale of foreclosed assets			17,000
goodwill impairment
loss on disposal of premises and equipment
gain on boli death benefits
unrealized loss on derivatives, foreign currencies, and
credit-linked notes
increase in accrued interest payable and other liabilities				-51,300,000	-87,296,000
cash acquired in acquisitions, net of cash consideration paid
net decrease in loans and leases
proceeds from boli death benefits
net decrease in noninterest-bearing deposits
net proceeds from stock issuance																																	26,022,000	-45,000																																	47,000
net proceeds from preferred stock offering
shares purchased under the dividend reinvestment plan				65,000	95,000	78,000	70,000
net cash from financing activities				134,191,000	-1,849,477,000	-817,462,000	-2,311,354,000	-9,551,960,000	-190,351,000	-690,669,000	825,421,000	-191,520,000	-168,009,000	-101,174,000	175,826,000	-399,065,000	221,638,000	39,258,000	45,399,000	109,512,000	-69,967,000	101,640,000	-101,785,000	-804,772,000	-750,224,000	-550,918,000	-787,768,000	108,372,000	29,827,000	80,844,000	74,555,000	46,217,000	47,241,000	-28,674,000	-3,042,000	-23,069,000	-19,694,000	7,762,000	5,779,000	-7,415,000	-3,633,000	22,839,000	31,957,000	18,955,000	28,569,000	21,672,000	3,473,000	428,000	-20,702,000	-22,190,000	-6,772,000	-11,851,000	42,685,000	22,422,000	18,969,000	-1,193,000	31,702,000	25,557,000	-4,390,000	9,593,000	10,598,000	24,469,000	9,304,000	79,278,000	31,014,000	38,128,000	50,900,000
net increase in cash and cash equivalents
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
supplemental disclosures of cash flow information:
cash paid for interest
cash paid for income taxes
loans transferred to foreclosed assets
transfers from loans held for investment to loans held for sale
transfers to loans held for investment from loans held for sale
transfer of securities available-for-sale to held-to-maturity
effective november 30, 2023, the company merged with pacwest bancorp
in a transaction summarized as follows:
fair value of assets acquired
stock consideration
liabilities assumed
decrease in deferred loan fees and discounts					-24,091,000	-38,930,000	-24,087,000
(gain) loss on sale of loans and leases					62,000
unrealized (gain) loss on derivatives, foreign currencies, and credit-linked notes
acquisition, integration, and reorganization costs
decrease (increase) in other assets					41,429,000
net decrease in interest-bearing deposits					-1,962,970,000	-79,356,000	-1,568,716,000
net increase in cash, cash equivalents, and restricted cash					-144,583,000	-386,418,000	-2,292,348,000
unrealized gain on derivatives, foreign currencies, and credit-linked notes
net increase in equipment leased to others under operating leases						-3,554,000	-3,120,000
increase in other assets
net (purchases) redemptions of federal home loan bank stock
net increase in borrowings
net proceeds from subordinated notes offering
effective february 1, 2021, the company acquired civic
cash paid
effective october 8, 2021, the company acquired the hoa business
net income									42,574,000	17,879,000	20,278,000	21,519,000	24,196,000	26,712,000	48,512,000	5,751,000	23,170,000	19,050,000	14,375,000	21,703,000	15,913,000	-18,449,000	-6,593,000	14,272,000	-14,132,000	16,582,000	7,037,000			377,000		644,000	1,549,000	693,000												1,166,000	840,000	283,000	800,000	1,038,000	1,225,000	1,255,000	1,122,000	1,112,000	1,233,000	1,354,000	1,071,000	1,149,000	1,092,000	1,357,000	1,431,000	1,195,000	1,129,000	969,000	1,046,000	957,000	750,000
adjustments to reconcile net income to net cash from operating activities
provision for (reversal of) credit losses									5,000,000
reversal of loan repurchase reserves									0	-808,000	-11,000
depreciation on premises and equipment									4,041,000	3,734,000	3,611,000		3,963,000	3,938,000	3,982,000		3,673,000	3,856,000	3,885,000		3,974,000	3,880,000	4,524,000		2,510,000	2,607,000	2,683,000
amortization of other intangibles									461,000	462,000	461,000
amortization of debt issuance costs									490,000	453,000	411,000		485,000	440,000	397,000		471,000	427,000	385,000		398,000	81,000	58,000
net amortization of premium on securities									-18,000	138,000	46,000		247,000	259,000	328,000		410,000	342,000	432,000		418,000	181,000	77,000
net amortization of deferred loan costs (fees) and purchased premiums									-136,000
deferred income tax expense									-3,744,000			20,625,000	-2,522,000	-2,223,000	3,198,000				-845,000				573,000			56,000	1,785,000
bank owned life insurance income									-966,000	-951,000	-900,000	-923,000	-873,000	-810,000	-796,000	-794,000	-715,000	-690,000	-672,000	-691,000	-629,000	-591,000	-578,000	-599,000	-588,000	-580,000	-525,000	-69,000	-60,000	-69,000	-79,000	-77,000	-80,000	-64,000	-54,000	-57,000	-61,000	-47,000	-86,000	-95,000	-144,000	-44,000	-56,000	-168,000	-145,000	-171,000	-181,000	-166,000	-195,000	-169,000	-173,000	-139,000	-162,000	-154,000	-167,000
share-based compensation expense									1,581,000	1,726,000	1,455,000	1,715,000	1,715,000	1,482,000	1,285,000	1,307,000	1,106,000	1,338,000	1,544,000	1,389,000	1,346,000	1,470,000	1,576,000	1,195,000	1,494,000	1,497,000	853,000
change in fair value of derivative instruments
loss on investments in alternative energy partnerships and affordable housing investments									1,478,000	1,391,000	3,129,000	1,826,000	1,976,000	1,752,000	1,704,000	-107,000	-734,000	52,000	4,812,000	561,000	294,000	981,000	3,052,000
net gain on sale of securities available-for-sale												7,708,000	0	0	-16,000						0																																							66,000
gain on sale-leaseback of branch													0	0	-771,000	0
repurchase of mortgage loans									0	-193,000	-416,000	89,000	-330,000			-1,000	-419,000							0	-1,230,000
change in accrued interest receivable and other assets									21,542,000	-331,000	-14,988,000	-24,975,000	3,148,000	40,080,000	-13,566,000	-2,639,000	8,309,000	-8,231,000	4,985,000	18,392,000	-2,294,000	6,984,000	-5,865,000	-2,877,000	833,000	-8,158,000	-5,245,000
change in accrued interest payable and other liabilities									17,740,000	10,625,000	-3,298,000	-5,622,000	3,082,000	-388,000	-7,734,000	-2,907,000	-19,700,000	28,132,000	-2,853,000	-3,731,000	5,820,000	-21,269,000	-8,824,000	-7,331,000	8,974,000	-11,623,000	6,282,000
proceeds from maturities and calls of securities available-for-sale									0			0	0			71,000,000	20,000,000			16,100,000	0	0	30,000,000	15,061,000	0	18,951,000	19,078,000
proceeds from principal repayments of securities held-to-maturity and available-for-sale									9,631,000	8,198,000	6,415,000	5,998,000	11,624,000	12,421,000	8,074,000
net cash from acquisitions
loan originations and principal collections									183,827,000	-109,225,000	118,502,000	167,154,000	333,892,000	278,406,000	195,846,000	129,084,000	6,980,000	7,605,000	267,366,000	-99,754,000	77,490,000	67,702,000	282,116,000					-41,707,000	-22,260,000	-43,454,000	-30,718,000	-34,137,000	-12,239,000	1,787,000	8,255,000	10,665,000	7,619,000	9,734,000	14,893,000	9,634,000	2,331,000	-12,277,000	-7,713,000	-21,629,000	-34,351,000	-33,101,000	-5,862,000	-2,538,000	14,917,000	24,694,000	4,163,000	11,169,000	-47,004,000	-19,579,000	-15,980,000	-2,000,000	-10,113,000	-5,917,000
purchases of loans									-10,000	0	-61,420,000	0	-172,746,000	-277,185,000	-364,371,000	-210,178,000
redemption of fhlb stock									0	24,406,000	6,137,000																																																	0
purchases of fhlb and other bank stock									-55,000	-14,353,000	-19,379,000
purchase of derivative instruments
purchase of mortgage servicing rights												-2,285,000	122,000
proceeds from sale-leaseback of branch													0	0	2,400,000	0
funding of equity investments									-1,115,000	-2,908,000	-689,000	-4,186,000	-928,000	-1,161,000	-2,789,000
decrease in investments in alternative energy partnerships									342,000	352,000	365,000		626,000	582,000	574,000		657,000	570,000	538,000						534,000
net decrease in deposits																										-1,432,642,000	-191,712,000
net increase in short-term fhlb advances and frb borrowings									-140,036,000	-585,000,000	905,000,000
proceeds from fhlb long-term advances and frb borrowings									0	0	100,000,000
net increase in other borrowings												-10,000,000	-88,000,000	-92,000,000	165,000,000	-75,000,000	-25,000,000
redemption of preferred stock												0	0	0	-98,703,000	0	0	0	-93,269,000	0	-166,000	-2,601,000	-1,612,000	0
redemption of long term debt									0
purchase of treasury stock									1,000	-17,965,000	-3,398,000		-12,965,000	-38,888,000	-4,298,000						0	0	-12,041,000							-73,000	-51,000	0	0	-4,000	-2,000	0	0	-3,000	-17,000	-1,000	-24,000	-3,000	-537,000	-61,000	-520,000	-1,060,000	-91,000	-2,000			-167,000	0	-405,000	-30,000	-321,000	-3,377,000			0	-1,201,000	-3,224,000	-5,634,000	-4,098,000	0
proceeds from exercise of stock options																0	0	0	300,000
purchase of restricted stock surrendered due to employee tax liability																					-54,000	-476,000	-299,000		-26,000	-797,000	-79,000
dividends paid on preferred stock												0	0	0	-1,727,000	-1,727,000	-1,727,000	-1,727,000	-3,141,000	-3,447,000	-3,447,000	-3,442,000	-3,533,000	-3,540,000	-3,403,000	-4,308,000	-4,308,000	-328,000	-314,000	-400,000	-396,000				-201,000	-242,000	-241,000	-241,000	-242,000	-241,000	-241,000	-240,000
dividends paid on common stock									-5,692,000	-5,880,000	-5,646,000	-3,507,000	-3,563,000	-3,668,000	-3,752,000	-3,782,000	-3,038,000	-2,990,000	-3,033,000	-2,957,000	-3,007,000	-3,006,000	-2,877,000	-3,127,000	-3,073,000	-3,077,000	-6,467,000	-2,462,000	-6,000	-1,185,000	478,000	-2,133,000	-305,000	-1,018,000	-1,091,000	-208,000	-208,000	-208,000	-206,000	-206,000	-400,000	-742,000	-764,000	-766,000	-772,000	-783,000	-712,000	-777,000	-778,000	-758,000	-24,000	-664,000	-642,000	-603,000	-578,000	-556,000	-552,000	-544,000	-525,000	-450,000	-435,000	-417,000	-379,000	-340,000	-304,000	-246,000
net change in cash and cash equivalents									27,256,000	-727,222,000	782,055,000	-27,162,000	12,994,000	-11,177,000	26,118,000	42,283,000	22,508,000	-216,177,000	158,690,000	-71,671,000	-128,150,000	-15,352,000	62,520,000	-153,402,000	213,024,000	9,145,000	-86,887,000	33,233,000	14,994,000	29,358,000	-30,625,000	14,061,000	32,356,000	-30,417,000	19,192,000	-196,000	-4,392,000	9,900,000	9,206,000	13,732,000	263,000	-7,842,000	7,534,000	-534,000	-3,785,000	-5,774,000	8,554,000	-2,883,000	-2,499,000	4,629,000	-904,000	1,675,000	-2,960,000	2,311,000	1,414,000	367,000	-309,000	86,000	-1,118,000	1,971,000	38,000	-151,000	-7,176,000	5,811,000	1,355,000	79,000	9,090,000
cash and cash equivalents at beginning of period									0	0	228,896,000		0	0	228,123,000		0	0	220,819,000		0	0	373,472,000		0	0	391,592,000	0	0	44,475,000						0	0	34,596,000		0	0	19,237,000		0	0	21,796,000		0	0	13,995,000		0	0	13,873,000		0	0	12,315,000		0	0	11,575,000		0	0	11,506,000
cash and cash equivalents at end of period									27,256,000	-727,222,000	1,010,951,000		12,994,000	-11,177,000	254,241,000		22,508,000	-216,177,000	379,509,000		-128,150,000	-15,352,000	435,992,000		213,024,000	9,145,000	304,705,000	33,233,000	14,994,000	73,833,000						-196,000	-4,392,000	44,496,000		13,732,000	263,000	11,395,000		-534,000	-3,785,000	16,022,000		-2,883,000	-2,499,000	18,624,000		1,675,000	-2,960,000	16,184,000		367,000	-309,000	12,401,000		1,971,000	38,000	11,424,000		5,811,000	1,355,000	11,585,000
supplemental cash flow information
interest paid on deposits and borrowed funds									40,118,000	45,721,000	26,013,000	24,236,000	12,330,000	12,283,000	4,291,000	11,159,000	5,137,000	12,683,000	7,313,000	13,437,000	11,951,000	20,295,000	20,331,000	31,466,000	34,309,000	46,297,000	39,436,000	2,256,000	1,955,000	1,425,000	1,300,000	1,333,000	1,588,000	1,824,000	2,176,000	2,535,000
income taxes paid												8,755,000	5,100,000			4,028,000	3,043,000			4,000	696,000			102,000	0	450,000	2,372,000				0	0			1,150,000	0
supplemental disclosure of non-cash activities
transfer from loans to other real estate owned									0							0	0			0				0	0	0	276,000	136,000	0	3,614,000
reclassification of securities available-for-sale to held-to-maturity													0	0	329,416,000
operating lease right-of-use assets received in exchange for lease liabilities									0	986,000	647,000
commitments to fund low income housing tax credit investments													5,000,000	5,000,000	2,000,000
goodwill adjustments for purchase accounting													995,000	0	826,000
income from interest rate swaps										-9,000	23,000		-39,000	-83,000	-102,000
gain on redemption of senior notes
loss on disposal of property and equipment
proceeds from sales of and principal collected on loans held-for-sale										23,000	323,000					6,000	10,000	8,000	5,000		18,240,000
net increase in deposits										-80,866,000	-168,911,000	-159,041,000	-278,298,000	78,982,000	40,266,000	-388,504,000	336,681,000	64,502,000	56,242,000	53,534,000	-5,199,000	474,627,000	135,671,000	-342,891,000				60,628,000								2,383,000	-9,245,000	33,218,000	21,307,000	8,535,000	-1,533,000	31,946,000				1,915,000	-8,039,000	-793,000	4,086,000	8,354,000	17,485,000	14,005,000	14,060,000	16,827,000	14,518,000	15,917,000	7,039,000	17,101,000
purchase of stock surrendered to pay tax liability										-38,000	-1,624,000	-43,000	-183,000	-600,000	-960,000	-52,000	-278,000
benefit from (reversal of) credit losses											2,000,000
net amortization of deferred loan costs											-324,000
deferred income tax (benefit) expense											-727,000
receivable on unsettled securities sales															28,500,000
adjustments to reconcile net income to net cash from operating activities:
(reversal of) benefit from credit losses
reversal of benefit from loan repurchases												-17,000	-26,000	-490,000	-471,000							-34,000	-600,000	-360,000	-123,000	-61,000	-116,000
depreciation and amortization on premises, equipment and operating lease right-of-use assets
amortization of debt issuance cost																								82,000	82,000	54,000	29,000
net amortization of premium and discount on securities																									89,000	363,000	286,000
net amortization												-456,000
write-off of other assets related to naming rights termination																				0	0
debt extinguishment fee																				0	0
(income) loss on interest rate swaps
gain on sale-leaseback transactions
net cash (used) acquired in business combinations
redemption of federal home loan bank stock																7,898,000	0			324,000	1,801,000	10,681,000	11,490,000	26,284,000	94,590,000	-61,380,000	23,341,000	41,000	328,000	333,000	338,000	340,000	343,000	330,000	346,000	347,000											0	1,000	2,128,000	1,259,000					0	0	0	216,000
purchases of federal home loan bank and other bank stock												-8,807,000	-2,939,000	-33,000	-6,824,000	-28,000
proceeds from sale of loans held-for-sale
proceeds from sale of other real estate owned																0				0				0	292,000	62,000	489,000																		0	328,000
additions to premises and equipment																												-1,400,000	-1,047,000	-2,045,000	-1,399,000	-837,000	-620,000	-2,035,000	-2,238,000	-54,000	-131,000	-18,000	-139,000	-35,000	-45,000	-76,000	-44,000	-68,000	-17,000	-11,000	-22,000	-53,000	-139,000	-86,000	-42,000	-59,000	-98,000	-17,000	-26,000	-96,000	-175,000	-112,000
proceeds from sale-leaseback transactions
payments of finance lease obligations
net decrease (increase) in investments in alternative energy partnerships
net decrease in short-term federal home loan bank advances																70,000,000							-193,000,000
repayment of long-term federal home loan bank advances																				-100,000,000	0	-211,000,000	-24,000,000	-100,000,000
proceeds from long-term federal home loan bank advances																				0	0
debt extinguishment and financing fees paid																				0	0
net proceeds from issuance of long-term debt
purchase of common stock
dividend equivalents paid on stock appreciation rights																				-94,000	-94,000	-94,000	-94,000	-93,000	-94,000	-94,000	-202,000
cash and cash equivalents at beginning of year																															0	0	0	59,100,000
cash and cash equivalents at end of year																															-30,625,000	14,061,000	32,356,000	28,683,000
transfer of loans held-for-investment to loans held-for-sale																								11,699,000	559,000	883,975,000	243,364,000
reclassification of securities from securities available-for-sale to held-to-maturity
operating lease right of use assets received in exchange for lease liabilities
net assets acquired in business combination
fair value of stock consideration
fair value of net assets acquired
impact of adoption of asu 2016-13 on retained earnings																					0	0	-4,503,000
reversal of benefit from credit losses													0	0	-31,542,000
payments of capital lease obligations																3,000	-34,000	-36,000	-33,000	-134,000	-132,000	-132,000	-134,000	-227,000	-88,000	-173,000	-86,000
net increase in short-term federal home loan bank advances													15,000,000	-45,000,000	80,000,000			-145,000,000	95,000,000		-58,000,000			-355,000,000	-150,000,000	890,000,000	-585,000,000
proceeds from federal home loan bank long-term advances
equipment acquired under capital leases																0	0	0	256,000	0	0	0	30,000	36,000	0	10,000	30,000	186,000	51,000	128,000
operating lease right-of-use assets recognized													0	467,000	786,000		10,289,000	-140,000	4,023,000
operating lease liabilities recognized													0	467,000	786,000	3,029,000	10,289,000	-140,000	4,023,000	2,329,000				0	1,243,000	1,056,000	27,766,000
due on unsettled securities purchases
net accretion of deferred loan costs and fees														349,000	-430,000		-1,447,000
net amortization of premiums on purchased loans														-194,000	846,000		933,000
fair value adjustment for loans held-for-sale																-26,000	-160,000			-36,000	-24,000
proceeds from sales of and principal collected on other loans held-for-sale																								0	0
impairment loss on investment securities																								0
amortization of deferred loan (fees) costs and purchased (discounts) premiums
impairment on capitalized software projects																				355,000	0	0	157,000	495,000	151,000	797,000	38,000
net gain on sale of loans																				0	-272,000	0	27,000	833,000	-4,326,000
net (gain) loss on sale of securities available for sale
loss on sale or disposal of property and equipment																				82,000	0	0	106,000		11,000
proceeds from principal repayments of securities available-for-sale																13,130,000	8,499,000	4,622,000	9,378,000	7,057,000	2,104,000	2,369,000	602,000	1,204,000	14,799,000	12,569,000	7,969,000
purchases of bank owned life insurance
net cash acquired in business combination
proceeds from sale of loans held-for-sale/held-for-investment
funding of equity investment																-4,429,000	-4,441,000	-1,003,000	-876,000	-10,486,000	-3,145,000	-9,764,000	-4,437,000	-201,000	-13,098,000	-927,000	-574,000	-168,000																			-110,000	0			0	-27,000	-46,000	-1,031,000
income taxes refunds received																								60,000	135,000
cash consideration
(reversal of) provision for credit losses																	-1,147,000	-2,154,000	-1,107,000
reversal of provision for loan repurchases																	-42,000	-99,000	-132,000	28,000
deferred income tax benefit																	-1,513,000			-6,706,000				1,978,000																				-148,000
loss on interest rate swaps																	-40,000	71,000	-271,000	-85,000	-3,000	106,000	182,000	0	-619,000
dividend equivalents paid on participating securities
net loss on sale of loans
purchase of loans																		-233,134,000	-132,866,000									-44,143,000	-2,839,000	-19,546,000																	0								-3,426,000	0											0
purchase of federal home loan bank and other bank stock																		-41,000	-458,000		-25,000	-29,000	-9,307,000		-89,896,000	40,801,000	-11,041,000
net amortization of deferred loan costs and fees																			-1,315,000		-1,454,000	-1,140,000	587,000
accretion of discounts on purchased loans																			426,000	-156,000	-6,000	-347,000	-8,000	-54,000	-186,000	-28,000	-97,000
purchase of stock surrendered due to employee tax liability																			-6,700,000
net amortization of deferred loans cost and fees
net revenue on mortgage banking activities
net loss on sale of securities available for sale
loss from change of fair value on mortgage servicing rights
loss on sale of mortgage servicing rights
net gain on disposal of discontinued operations
originations of other loans held-for-sale
proceeds from sales of and principal collected on loans held-for-sale from mortgage
purchases of federal home loan bank and other bank stocks
proceeds from sale of mortgage servicing rights
proceeds from sale of premises and equipment
net decrease in investments in alternative energy partnerships
restricted stock surrendered to pay employee tax liability
reclassification of stranded tax effects to retained earnings
cash received from bank-owned life insurance																					1,000
proceeds from sale of loans																									582,830,000	313,008,000	245,013,000	4,766,000
purchase of loans and leases
increase in investments in alternative energy partnerships																						547,000	-3,177,000
fair value adjustment for loans held for sale																							1,586,000
net gain on sale of securities available for sale																								-3,000	5,063,000	0	-208,000
proceeds from sales of and principal collected on loans held-for-sale from mortgage banking																							822,000		1,056,000	1,710,000	2,139,000
operating lease right of use assets recognized																								0	1,243,000	1,056,000	26,365,000
benefit from loan losses																								-2,678,000	38,540,000				279,000	691,000	4,114,000	823,000			328,000	781,000	5,634,000	2,214,000	4,901,000	2,709,000	2,688,000	6,998,000	6,177,000	1,479,000	5,486,000	405,000	874,000			-16,000	-124,000	-83,000	112,000	71,000	42,000	-44,000	172,000	80,000							300,000	328,000
(reversal of) benefit from unfunded loan commitments																								-298,000	67,000	87,000	-414,000
net amortization (accretion) of premium and discount on securities
net amortization (accretion) of deferred loans cost and fees
impairment on intangible assets
income from change of fair value on mortgage servicing rights
gain on sale or disposal of property and equipment
originations of loans held-for-sale from mortgage banking
proceeds from maturities and calls of securities held-to-maturity
net cash from disposal of discontinued operations
purchase of federal home loan bank and other bank stocks
net change in time deposits in financial institutions
net decrease in other short-term borrowings
payment of junior subordinated amortizing notes
restricted stock surrendered due to employee tax liability
transfer of loans held-for-sale to loans held-for-investment
reclassification of securities held-to-maturity to securities available-for-sale
loans sold to ginnie mae that are subject to a repurchase option
net amortization (accretion) of deferred loan costs and fees																											289,000
loss on investments in alternative energy partnerships																									-940,000
net revenue from mortgage banking activities
income from change of fair value of mortgage servicing rights																											191,000
loan and lease originations and principal collections																									300,837,000	-48,480,000	-100,702,000
benefit from loan and lease losses																											2,512,000
gain on investments in alternative energy partnerships																											1,950,000
net (gain) loss on sale of loans																											-1,553,000
cash flows from operating activities
bargain purchase gain
benefit from loss reimbursements on sold loans
net gain on mortgage banking activities
gain on sale of loans
net amortization/(accretion) of securities																												428,000	253,000	180,000
net amortization of debt
depreciation																																																												118,000	119,000	115,000		141,000	62,000	93,000
employee stock ownership plan compensation expense																															123,000	136,000	163,000	183,000	193,000	99,000	92,000	71,000	59,000	72,000	79,000	80,000	109,000	131,000	165,000	181,000	238,000	247,000	270,000	289,000	300,000	301,000	308,000	300,000	304,000	279,000	264,000	283,000
stock incentive compensation expense
fair value adjustments of mortgage servicing rights
operating income on equity investment																												76,000	77,000	76,000	78,000	79,000	78,000	78,000	73,000	82,000	90,000	82,000	77,000	87,000	87,000	87,000	90,000	89,000	89,000	89,000	81,000	259,000	86,000	86,000	119,000	79,000	99,000	98,000
net (gain)/loss on sales of securities available-for-sale																												12,000	32,000	39,000
net (gain)/loss on sales of other real estate owned																												42,000	-192,000	-316,000
deferred income tax (benefit)/expense																												596,000	191,000	326,000	4,085,000	-843,000	-275,000	-1,018,000	-1,645,000	-197,000	478,000	314,000	1,423,000	-294,000	-49,000	-977,000				-78,000	-945,000	15,000	37,000	-288,000	351,000	25,000	-92,000	-118,000
decrease in valuation allowances on other real estate owned																														14,000			3,413,000	-170,000
originations of loans held for sale
proceeds from loans held for sale
net change in:
deferred loan costs																												22,000	295,000	60,000	170,000	279,000	206,000	60,000	114,000	-39,000	291,000	72,000	138,000	206,000	7,000	-32,000
premiums and discounts on purchased loans																												-806,000	-248,000	-177,000
accrued interest receivable																												-3,805,000	77,000	-223,000	-349,000	246,000	-1,000	66,000	113,000	-167,000	238,000	276,000	-263,000	558,000	147,000	-179,000	-72,000	-133,000	-39,000	14,000	-53,000	-515,000	94,000	383,000	-380,000	-45,000	-324,000	-241,000	-254,000	-48,000
other assets																												1,556,000	4,372,000	3,702,000	171,000	3,558,000	-6,174,000	2,749,000	6,225,000	3,956,000	-789,000	2,778,000	-7,092,000	530,000	-140,000	-597,000	82,000	76,000	-379,000	69,000	640,000	-164,000	53,000	314,000	252,000	106,000	180,000	-64,000	292,000	-47,000
accrued interest payable and other liabilities																												5,002,000	-2,522,000	1,499,000	1,120,000	1,738,000	413,000	1,584,000	330,000	1,466,000	-1,596,000	231,000	-8,456,000	6,152,000	130,000	-223,000	37,000	145,000	22,000	-540,000	-507,000	-373,000	724,000	-480,000	-1,251,000	999,000	574,000	-644,000		1,237,000	-377,000	-1,133,000		-1,882,000	1,847,000	740,000		738,000	-199,000	1,019,000
cash flows from investing activities
proceeds from maturities, calls and principal repayments of securities available-for-sale																												12,580,000	13,308,000	8,624,000
net cash acquired through acquisitions
proceeds from sales of other real estate owned																												4,657,000	1,250,000	5,765,000
cash flows from financing activities
repurchase of warrants, tarp																																0	0	-1,003,000
repayments of federal home loan bank advances																												-10,053,000	0	-20,000,000	0	-10,000,000	-30,000,000	-15,000,000	0	-25,000,000	-10,000,000	-25,000,000	-15,000,000	-20,000,000	-15,000,000	-10,000,000	0	-10,000,000	-30,000,000	-5,000,000	0	-1,000,000	-5,000,000	-8,000,000	-35,000,000	-5,000,000	0	-10,000,000	-16,000,000	-1,000,000	0	-10,000,000									-37,100,000
proceeds from federal home loan bank advances																												61,000,000	0	35,000,000									0				0	55,000,000	40,000,000	50,000,000					30,000,000																70,100,000
net proceeds from issuance of common stock																															-308,000
purchase of preferred stock
net proceeds from issuance of debt																												0
purchase of stock																												-408,000
tax benefit/(loss) from rrp shares vesting																												0	-16,000	-1,000	-3,000	0	0	-1,000							-40,000	-4,000
tax effect of esop																															108,000	0	0	148,000
tax effect of options redeemed																															0	0	0	147,000
supplemental disclosure of noncash activities
net income/																																						875,000	-601,000	1,495,000	685,000	-2,578,000
net amortization/(accretion) of debt
stock option compensation expense																													213,000	214,000	202,000	267,000	183,000	164,000	85,000	2,000	4,000	3,000	7,000	7,000	11,000	21,000	23,000	22,000	43,000	79,000	79,000	79,000	80,000	78,000				31,000
stock award compensation expense																													34,000	70,000	282,000	64,000	34,000	32,000	11,000	6,000	6,000	6,000	6,000	6,000	19,000	46,000	51,000	76,000	65,000	177,000	171,000	172,000	171,000	172,000				100,000	186,000	180,000	181,000	181,000	182,000	182,000	171,000	139,000	119,000	142,000
increase in valuation allowances on other real estate owned																															2,901,000
payments on capital lease obligations																													-8,000	-2,000
sblf expense																													-1,000	-6,000
dividends paid on drip shares
transfer from loans to loans provided for sales of other real estate owned
net increase/(decrease) in deposits																														67,509,000			51,524,000	-11,898,000
adjustments to reconcile net income/(loss) to net cash from operating activities
net accretion of securities																															31,000	36,000	-160,000	-240,000	-408,000	-480,000	-359,000	-518,000	-469,000	-649,000	-493,000	-289,000
impairment of securities																																							0	0	0	15,000
loss on sale of other real estate owned
(gain)/loss on sale of property and equipment
interest capitalized on negative amortizing loans																																							0	-1,000	-3,000	-12,000	-36,000	-94,000	-165,000	-276,000	-316,000	-356,000	-424,000	-493,000
net change in other interest-bearing deposits
proceeds from sale of equipment
net proceeds from issuance of preferred stock																															-5,000
redemption/issuance of warrants
repurchase of preferred stock
esop forfeitures to reduce esop contribution
transfer from other real estate owned to contracts receivable
net gain on sales of securities available-for-sale
loss on sale of real estate owned																																105,000	51,000	768,000	271,000	-259,000	-20,000	340,000
proceeds from maturities, calls, and principal repayments of securities available-for-sale																																5,504,000	9,140,000	4,826,000			4,291,000	3,299,000	2,540,000	3,129,000	3,014,000	1,357,000
proceeds from sale of real estate owned																																1,111,000	769,000	2,517,000	971,000	3,898,000	2,843,000	2,784,000	-1,368,000	3,910,000	3,250,000	390,000	609,000
transfer from loans to real estate owned																																8,089,000	9,487,000	3,232,000
gain on sale of securities available-for-sale																																	-1,118,000	-319,000
write down of other real estate owned
federal home loan bank stock dividends																																											-86,000	-115,000	-98,000	-93,000	-89,000	-94,000	-109,000	-144,000	-138,000	-118,000	-106,000	-100,000
purchase of federal home loan bank stock																																																			0	0			242,000	-83,000	-472,000	-303,000
net change in federal home loan bank open line																																									13,605,000	1,895,000	-8,300,000	-35,700,000	30,700,000	-23,400,000	-2,800,000	3,000,000	-18,700,000	-22,000,000	-18,300,000	-30,300,000	29,400,000	16,200,000	21,200,000	-12,200,000	27,700,000	19,000,000
issuance of warrants
esop forfeiture to reduce esop contribution
exercise of stock options																																															0	0	0	214,000	176,000	98,000	68,000	23,000	47,000	23,000
tax benefits from exercise of stock options																																																			29,000	10,000	14,000	5,000
adjustments to reconcile net (loss) to net cash from operating activities
write down of oreo																																				386,000
loss on sale of property and equipment																																							1,000	0
proceeds from maturities and principal repayments of securities available-for-sale																																																							0	2,000
net decrease in other interest bearing deposits
issuance costs on preferred stock																																								0	0	-13,000
tax income from rrp shares vesting																																				-2,000	0	-4,000
supplemental disclosures of cash flow information
transfers of loans to other real estate owned																																				3,370,000	2,456,000	6,902,000		1,040,000	5,553,000	6,234,000		103,000	0	764,000
due to broker
net
issuance of preferred stock and common stock warrants, net of issuance costs
adjustment to adopt fin 48																																																		328,000
redemption/(purchase) of federal home loan bank stock																																												-971,000
dure to broker
net amortization on securities																																												0	0	-53,000		-6,000	-4,000	-5,000		-5,000	-5,000	-5,000		-5,000
loss on sale of property & equipment
deferred loan fees																																												-26,000	-158,000	-216,000		30,000	-271,000	84,000		-270,000	33,000	11,000		-169,000	-301,000	-80,000
maturities/calls of available-for-sale securities																																												0	0	4,476,000
net increase in other interest bearing deposits
proceeds from maturities & principal repayments of securities available-for-sale
net change in deposits																																												10,509,000																13,744,000	8,757,000	38,020,000		32,718,000	16,438,000	29,874,000
tax benefit from exercise of stock options
tax benefit from rrp shares vesting																																																			3,000	0
realized gain on sales of securities available-for-sale
purchase of bank owned life insurance
increase in other interest bearing deposits																																																						-5,000		990,000
proceeds from maturities and principal repayment of securities available-for-sale																																																				0
supplemental disclosures of non-cash information adjustment to adopt fin 48
(negative) benefit from loan losses
supplemental disclosures of cash flow information adjustment to adopt fin 48
net (accretion)/amortization of securities
impairment of equity investment
payable for additional equity investment
stock award/option expense																																																				203,000
gain/loss on sale of property & equipment
net change in other interest bearing deposits																																																				0
purchase of securities available-for-sale																																																								0	0	-4,316,000		0	-5,433,000	-65,000
purchase of bank owned life insurance investment																																																								0	0	-15,000,000
accrued expenses and other liabilities
sales of securities available-for-sale
proceeds from fhlb advances																																																																0	10,000,000	33,000,000
boli income																																																									-445,000	129,000
net premium amortization on securities																																																										5,000		2,000	-19,000	49,000		50,000	76,000	75,000
accrued interest receivable and other assets																																																										-649,000		1,409,000	-211,000	-166,000		-2,103,000	-533,000	-348,000
net change in bank owned life insurance investment																																																										-129,000
net amortization of securities
purchases of equity investment
increase in other interest-bearing deposits
amount due from servicing agent
commitment for additional equity investment
provision for loan losses																																																												194,000	148,000	108,000	209,000				401,000
fhlb stock dividends																																																												-91,000	-242,000	80,000		-59,000	-56,000	-41,000	-17,000
esop compensation expense																																																												249,000	227,000	237,000		213,000	189,000	169,000	481,000
net increase in loans																																																												-14,677,000	-14,974,000	-27,461,000		-77,426,000	-32,042,000	-41,067,000
increase in other interest bearing assets																																																												0	265,000	-465,000
purchase of fhlb stock																																																														-160,000		-2,251,000	-723,000	-585,000
sale of securities available-for-sale																																																												5,451,000
principal repayments on mortgage-backed securities																																																												2,000	124,000	1,143,000		5,966,000	2,344,000	1,374,000
purchase of premises and equipment																																																												-2,000	-45,000	-109,000		-312,000	-218,000	-23,000
net change in fhlb open line																																																												500,000	8,500,000	-6,500,000		46,900,000	8,900,000	-4,500,000
repayments of fhlb advances																																																												-10,000,000	-3,000,000	-1,000,000		0	0	-20,000,000
realized loss on sales of securities available-for-sale
net decrease in other investments
change in ncusif deposit
loss on sale of securities available-for-sale
(purchase) redemption of fhlb stock

Banc of California, Inc(NYSE:BANC)

Banc of California, Inc
(NYSE:BANC)