ConnectOne Bancorp, Inc
(NASDAQ:CNOB)

ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank, a chartered commercial bank that provides various commercial banking products and services. The company's deposit products include personal and business checking accounts, retirement accounts, money market accounts, a...

Website: http://www.connectonebank.com

Founded: 1982

Full Time Employees: 100

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2015-06-30	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	2005-09-30	2005-06-30	2005-03-31	2004-12-31

interest income
interest and fees on loans	167,532,000	165,937,000	132,316,000	115,351,000	118,346,000	119,280,000	120,145,000	120,088,000	120,636,000	115,405,000	111,048,000	106,903,000	104,952,000	90,731,000	81,285,000	76,025,000	76,891,000	75,092,000	71,101,000	70,462,000	73,123,000	74,755,000	75,797,000	72,936,000	64,833,000	66,796,000	63,524,000	60,326,000	53,306,000	51,699,000	49,494,000	47,025,000	46,945,000	43,241,000	40,632,000	38,006,000	38,601,000	37,803,000	36,561,000	30,217,000	9,102,000	9,535,000	9,427,000	8,677,000	8,471,000	8,440,000	8,460,000	8,274,000	8,353,000	8,516,000	8,345,000	7,777,000	7,361,000	7,044,000	5,928,000	5,033,000
interest and dividends on investment securities:
taxable	11,628,000	12,033,000	7,437,000	4,987,000	4,804,000	4,740,000	4,683,000	4,334,000	4,280,000	4,128,000	4,029,000	4,229,000	4,225,000	4,063,000	2,551,000	1,873,000	1,265,000	1,065,000	995,000	1,088,000	1,373,000	1,305,000	1,712,000	2,066,000	1,700,000	1,916,000	2,573,000	2,942,000	2,291,000	2,154,000	2,150,000	1,887,000	1,757,000	1,695,000	1,799,000	1,548,000	1,387,000	1,774,000	1,965,000	2,760,000					2,765,000				3,695,000				4,489,000
tax-exempt	1,995,000	2,014,000	1,419,000	1,097,000	1,109,000	1,119,000	1,121,000	1,154,000	1,166,000	1,136,000	1,247,000	1,092,000	1,185,000	1,083,000	916,000	709,000	518,000	511,000	608,000	766,000	649,000	688,000	647,000	813,000	824,000	897,000	1,081,000	1,127,000	594,250	785,000	778,000	814,000	663,750	870,000	831,000	954,000	716,750	988,000	996,000	883,000									818,000				1,016,000
dividends	936,000	1,081,000	788,000	889,000	959,000	1,048,000	1,217,000	1,125,000	912,000	907,000	945,000	898,000	712,000	438,000	291,000	214,000	207,000	245,000	263,000	256,000	374,000	426,000	442,000	400,000	409,000	502,000	410,000	457,000	495,000	530,000	502,000	485,000	439,000	362,000	290,000	330,000	336,000	352,000	370,000	280,000	117,000	126,000	189,000	213,000	243,000	261,000	254,000	366,000	361,000	373,000	442,000	214,000	355,000	717,000	465,000	450,000
interest on federal funds sold and other short-term investments	4,249,000	6,644,000	4,070,000	2,465,000	2,815,000	4,055,000	2,841,000	2,906,000	1,963,000	2,110,000	4,056,000	2,975,000	1,395,000	665,000	313,000	120,000	159,000	113,000	84,000	49,000	69,000	47,000	79,000	499,000	242,000	278,000	290,000	357,000	232,000	183,000	160,000	264,000	156,000	170,000	139,000	246,000	135,250	261,000	146,000	41,000
total interest income	186,340,000	187,709,000	146,030,000	124,789,000	128,033,000	130,242,000	130,007,000	129,607,000	128,957,000	123,686,000	121,325,000	116,097,000	112,469,000	96,980,000	85,356,000	78,941,000	79,040,000	77,026,000	73,051,000	72,621,000	75,588,000	77,221,000	78,677,000	76,714,000	68,008,000	70,389,000	67,878,000	65,209,000	57,223,000	55,351,000	53,084,000	50,475,000	50,211,000	46,338,000	43,691,000	41,084,000	41,499,000	41,178,000	40,038,000	34,181,000	11,942,000	12,615,000	12,689,000	12,230,000	12,360,000	12,797,000	12,936,000	12,944,000	13,452,000	13,408,000	13,632,000	13,054,000	13,231,000	13,574,000	12,337,000	10,956,000
interest expense
deposits	70,854,000	75,209,000	60,239,000	53,992,000	58,568,000	63,785,000	62,086,000	60,407,000	59,332,000	56,043,000	50,714,000	40,087,000	26,543,000	13,299,000	5,709,000	5,010,000	5,281,000	5,478,000	6,424,000	7,585,000	9,630,000	11,947,000	13,597,000	17,212,000	16,272,000	17,351,000	16,596,000	15,351,000	12,398,000	10,681,000	9,169,000	7,688,000	6,953,000	6,113,000	5,495,000	5,109,000	5,135,000	5,159,000	4,434,000	3,301,000
borrowings	8,891,000	10,483,000	6,908,000	5,041,000	4,754,000	5,570,000	6,482,000	8,900,000	7,803,000	5,286,000	6,768,000	8,926,000	7,917,000	5,520,000	4,056,000	3,573,000	3,298,000	3,303,000	3,618,000	3,873,000	4,587,000	4,725,000	4,290,000	4,221,000			5,752,000	4,906,000	4,664,000	4,708,000	4,970,000	4,640,000	3,450,000	3,206,000	3,095,000	2,834,000	2,957,000	2,995,000	3,210,000	2,202,000
total interest expense	79,745,000	85,692,000	67,147,000	59,033,000	63,322,000	69,355,000	68,568,000	69,307,000	67,135,000	61,329,000	57,482,000	49,013,000	34,460,000	18,819,000	9,765,000	8,583,000	8,579,000	8,781,000	10,042,000	11,458,000	14,217,000	16,672,000	17,887,000	21,433,000	20,577,000	21,983,000	22,348,000	20,257,000	17,062,000	15,389,000	14,139,000	12,328,000	10,403,000	9,319,000	8,590,000	7,943,000	8,092,000	8,154,000	7,644,000	5,503,000	5,563,000	5,792,000	5,829,000	5,801,000	6,673,000	7,625,000	7,455,000	7,719,000	7,831,000	7,717,000	7,680,000	6,746,000	6,831,000	6,419,000	5,488,000	4,541,000
net interest income	106,595,000	102,017,000	78,883,000	65,756,000	64,711,000	60,887,000	61,439,000	60,300,000	61,822,000	62,357,000	63,843,000	67,084,000	78,009,000	78,161,000	75,591,000	70,358,000	70,461,000	68,245,000	63,009,000	61,163,000	61,371,000	60,549,000	60,790,000	55,281,000	47,431,000	48,406,000	45,530,000	44,952,000	40,161,000	39,962,000	38,945,000	38,147,000	39,808,000	37,019,000	35,101,000	33,141,000	33,407,000	33,024,000	32,394,000	28,678,000	6,379,000	6,823,000	6,860,000	6,429,000	5,687,000	5,172,000	5,481,000	5,225,000	5,621,000	5,691,000	5,952,000	6,308,000	6,400,000	7,155,000	6,849,000	6,415,000
provision for credit losses	2,300,000	5,500,000	35,700,000	3,500,000	3,500,000	3,800,000	2,500,000	4,000,000	1,375,000	1,500,000	3,000,000	1,000,000
net interest income after provision for credit losses	104,295,000	96,517,000	43,183,000	62,256,000	61,211,000	57,087,000	58,939,000	56,300,000	59,122,000	60,857,000	60,843,000	66,084,000					69,646,000	67,145,000		66,929,000
noninterest income
deposit, loan and other income	3,289,000	3,836,000	2,570,000	2,006,000	1,798,000	1,817,000	1,654,000	1,592,000	1,545,000	1,605,000	1,545,000	1,403,000	1,894,000	1,969,000	1,866,000	1,743,000	1,525,000	1,702,000	2,222,000	1,168,000	1,300,000	1,278,000	3,212,000	1,287,000	1,209,000	1,116,000	914,000	786,000	691,000	676,000	601,000	616,000	657,000	721,000	659,000	643,000	720,000	706,000	763,000	458,000
defined benefit pension plan curtailment gain		3,501,000
employee retention tax credit		6,608,000
income on bank owned life insurance	2,946,000	2,931,000	2,087,000	1,584,000	1,656,000	2,145,000	1,677,000	1,664,000	1,635,000	1,597,000	1,553,000	1,531,000	1,528,000	1,521,000	1,342,000	1,206,000	1,244,000	1,278,000	1,185,000	1,064,000	1,314,000	1,598,000	1,128,000	967,000	914,000	915,000	833,000	822,000	794,000	751,000	775,000	774,000	779,000	985,000	714,000	703,000
net gains on sale of loans held-for-sale	631,000	859,000	181,000	332,000	597,000	343,000	1,277,000	506,000	472,000	633,000	550,000	49,000	176,000	262,000	556,000	701,000	1,139,000	1,114,000	847,000	707,000	841,000	614,000	237,000	393,000	169,000	278,000	46,000	19,000	30,000	2,000	12,000	17,000	588,000	50,000	49,000	21,000	85,000	56,000
net gains on equity securities	-846,000	1,674,000	347,000	529,000	-307,000	432,000									-405,000		-131,000	-78,000	23,000	-187,000	-13,000	-7,000	44,000	178,000	-46,000	79,000	158,000	103,000
total noninterest income	6,020,000	19,409,000	5,185,000	4,451,000	3,744,000	4,737,000	4,399,000	3,848,000	4,209,000	3,562,000	3,438,000	2,792,000	3,508,000	3,322,000	3,359,000	3,054,000	3,777,000	4,016,000	4,472,000	3,426,000	3,442,000	3,483,000	4,621,000	2,854,000	2,246,000	2,109,000	1,942,000	1,738,000	1,515,000	1,429,000	1,388,000	1,407,000	2,024,000	1,756,000	1,422,000	3,002,000	1,572,000	5,576,000	1,570,000	3,436,000
noninterest expenses
salaries and employee benefits	31,211,000	32,401,000	25,233,000	22,578,000	22,244,000	22,957,000	22,786,000	22,196,000	22,036,000	22,276,000	21,751,000	22,261,000	21,819,000	21,025,000	19,662,000	18,783,000	16,551,000	16,807,000	15,351,000	15,632,000	14,611,000	15,144,000	14,529,000	14,533,000	12,853,000	12,420,000	11,793,000	11,954,000	9,981,000	10,174,000	9,729,000	9,672,000	9,418,000	8,872,000	8,632,000	8,206,000	7,887,000	7,791,000	7,753,000	6,948,000	2,393,000	1,710,000	1,919,000	2,524,000	2,352,000	2,353,000	3,107,000	2,834,000	3,142,000	3,016,000	2,955,000	3,037,000	3,282,000	3,168,000	3,004,000	2,877,000
occupancy and equipment	5,265,000	5,122,000	3,478,000	2,680,000	2,818,000	2,889,000	2,899,000	3,009,000	2,708,000	2,738,000	2,677,000	2,761,000	2,603,000	2,600,000	2,733,000	1,929,000	2,762,000	2,656,000	3,187,000	3,404,000	3,689,000	3,566,000	3,156,000	3,471,000	2,380,000	2,480,000	2,357,000	2,495,000	2,001,000	2,137,000	2,031,000	2,143,000	1,948,000	1,969,000	1,991,000	2,255,000	2,121,000	2,049,000	2,154,000	1,788,000
fdic insurance	2,400,000	2,400,000	2,000,000	1,800,000	1,800,000	1,800,000	1,800,000	1,800,000	3,900,000	1,800,000	1,715,000	950,000	830,000	720,000	725,000	606,000	625,000	525,000	580,000	935,000	948,000	1,105,000	1,093,000	856,000	795,000	-364,000	825,000	755,000	765,000	735,000	765,000	850,000	935,000	840,000	815,000	895,000	985,000	745,000	615,000	440,000	365,000
professional and consulting	2,908,000	2,929,000	2,598,000	2,366,000	2,449,000	2,147,000	1,923,000	1,928,000	1,587,000	1,834,000	1,932,000	2,194,000	2,157,000	1,980,000	2,124,000	1,792,000	1,996,000	2,217,000	2,117,000	1,956,000	2,210,000	1,926,000	1,673,000	1,574,000	1,428,000	1,499,000	1,370,000	1,209,000	1,129,000	891,000	825,000	723,000	671,000	740,000	734,000	718,000	901,000	667,000	700,000	715,000	212,000	152,000	189,000	190,000	172,000	690,000	311,000	599,000
marketing and advertising	974,000	771,000	840,000	595,000	495,000	635,000	613,000	677,000	323,000	554,000	556,000	532,000	454,000	461,000	426,000	351,000	454,000	345,000	278,000	241,000	256,000	214,000	426,000	304,000	273,000	473,000	397,000	210,000	244,000	192,000	337,000	207,000	226,000	225,000	289,000	256,000	223,000	293,000	250,000	193,000	130,000	144,000	145,000	188,000	160,000	179,000	152,000	109,000	163,000	266,000	164,000	187,000	114,000	183,000	160,000	172,000
information technology and communications	5,366,000	5,243,000	4,792,000	4,596,000	4,523,000	4,464,000	4,198,000	4,389,000	4,148,000	3,487,000	3,644,000	3,061,000	2,694,000	2,747,000	2,801,000	2,866,000
restructuring and exit charges		994,000
merger expenses	498,000	1,898,000	30,745,000	1,320,000	863,000	742,000																		9,494,000	871,000	191,000	331,000	7,562,000	936,000	375,000
bank owned life insurance restructuring charge				327,000
amortization of core deposit intangibles	1,181,500	3,196,000	1,251,000	279,000	234,750	297,000	321,000	321,000	272,500	347,000	371,000	372,000	319,000	409,000	434,000	433,000	374,500	483,000	508,000	507,000	482,750	627,000	652,000	652,000	267,000	340,000	364,000	364,000
other expenses	3,853,000	3,719,000	2,712,000	2,764,000	2,533,000	2,710,000	3,119,000	2,810,000	2,821,000	2,773,000	2,829,000	2,764,000	2,489,000	2,344,000	2,108,000	1,930,000	3,696,000	3,676,000	2,702,000	2,341,000	2,611,000	2,456,000	2,498,000	2,671,000	2,078,000	2,253,000	1,938,000	2,329,000	2,304,000	2,372,000	2,107,000	2,140,000	1,863,000	1,650,000	1,775,000	1,977,000	1,836,000	1,811,000	1,653,000	1,423,000
total noninterest expenses	56,946,000	58,673,000	73,649,000	39,305,000	38,498,000	38,641,000	37,594,000	37,065,000	37,845,000	35,784,000	35,450,000	34,870,000	33,312,000	32,143,000	31,703,000	29,230,000	28,084,000	28,183,000	26,259,000	26,485,000	26,402,000	26,478,000	33,063,000	35,058,000	22,197,000	20,379,000	21,590,000	28,062,000	18,266,000	18,287,000	17,108,000	17,059,000	16,566,000	18,641,000	25,303,000	18,249,000	15,251,000	14,551,000	14,352,000	14,974,000
income before income tax expense	53,369,000	57,253,000	-25,281,000	27,402,000	26,457,000	23,183,000	25,744,000	23,083,000	25,486,000	28,635,000	28,831,000	34,006,000	44,905,000	39,340,000	44,247,000	42,732,000	45,339,000	42,978,000	42,871,000	43,870,000	33,411,000	32,554,000	17,348,000	7,077,000	26,980,000	28,136,000	24,782,000	14,128,000	22,310,000	22,004,000	22,125,000	4,695,000	23,266,000	18,684,000	9,770,000	16,794,000	-5,472,000	17,299,000	15,862,000	15,590,000	1,023,000					265,250	212,000	246,000						2,514,000	2,340,000	1,904,000
income tax expense	13,851,000	16,277,000	-4,988,000	7,160,000	6,086,000	6,022,000	6,688,000	5,878,000	6,213,000	7,228,000	7,437,000	9,077,000	12,348,000	10,425,000	11,889,000	11,351,000	12,301,000	10,881,000	10,652,000	10,871,000	7,770,000	7,768,000	2,516,000	1,047,000	6,197,000	6,440,000	5,501,000	2,493,000	3,638,000	2,102,000	4,598,000	444,000	12,686,000	5,607,000	2,087,000	4,914,000	-3,448,000	5,443,000	5,003,000	5,069,000	224,000													478,000	407,000	159,000
net income	39,518,000	40,976,000	-20,293,000	20,242,000	20,371,000	17,161,000	19,056,000	17,205,000	19,273,000	21,407,000	21,394,000	24,929,000	32,557,000	28,915,000	32,358,000	31,381,000	33,038,000	32,097,000	32,219,000	32,999,000	25,641,000	24,786,000	14,832,000	6,030,000	20,783,000	21,696,000	19,281,000	11,635,000	18,672,000	19,902,000	17,527,000	4,251,000	10,580,000	13,077,000	7,683,000	11,880,000	-2,024,000	11,856,000	10,859,000	10,521,000	799,000	1,699,000	1,518,000	1,408,000	1,217,000	532,000	998,000	1,017,000	1,309,000	2,291,000	1,302,000	1,372,000	-1,067,000	2,036,000	1,933,000	1,745,000
yoy	93.99%	138.77%	-206.49%	17.65%	5.70%	-19.83%	-10.93%	-30.98%	-40.80%	-25.97%	-33.88%	-20.56%	-1.46%	-9.91%	0.43%	-4.90%	28.85%	29.50%	117.23%	447.25%	23.37%	14.24%	-23.07%	-48.17%	11.31%	9.01%	10.01%	173.70%	76.48%	52.19%	128.13%	-64.22%	-622.73%	10.30%	-29.25%	12.92%	-353.32%	597.82%	615.35%	647.23%	-34.35%	219.36%	52.10%	38.45%	-7.03%	-76.78%	-23.35%	-25.87%	-222.68%	12.52%	-32.64%	-21.38%
qoq	-3.56%	-301.92%	-200.25%	-0.63%	18.71%	-9.94%	10.76%	-10.73%	-9.97%	0.06%	-14.18%	-23.43%	12.60%	-10.64%	3.11%	-5.02%	2.93%	-0.38%	-2.36%	28.70%	3.45%	67.11%	145.97%	-70.99%	-4.21%	12.53%	65.72%	-37.69%	-6.18%	13.55%	312.30%	-59.82%	-19.09%	70.21%	-35.33%	-686.96%	-117.07%	9.18%	3.21%	1216.77%	-52.97%	11.92%	7.81%	15.69%	128.76%	-46.69%	-1.87%	-22.31%	-42.86%	75.96%	-5.10%	-228.58%	-152.41%	5.33%	10.77%
preferred dividends	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,509,000	1,510,000	1,509,000	1,509,000	1,509,000
net income available to common stockholders	38,009,000	39,467,000	-21,802,000	18,733,000	18,862,000	15,652,000	17,547,000	15,696,000	17,764,000	19,898,000	19,885,000	23,420,000	31,047,000	27,406,000	30,849,000	29,872,000																	10,580,000	13,077,000	7,683,000	11,880,000	-2,024,000	11,856,000	10,859,000	10,493,000	670,000
earnings per common share
basic	810	790	-520	490	500	410	460	410	460	510	510	600	790	700	780	760	790	810	810	830	650	620	370	150	590	610	540	330	570	620	540	130	330	410	240	370	-80	390	360	350	50
diluted	800	780	-520	490	490	410	460	410	460	510	510	590	780	700	780	750	790	800	810	820	640	620	370	150	590	610	540	330	570	610	540	130	330	410	240	370	-80	390	360	350	50
net losses on equity securities							-209,000		557,000	-273,000	-210,000	-191,000	-357,750	-430,000		-596,000
other components of net periodic pension expense							-65,000	-65,000	-19,000	-25,000	-25,000	-25,000	-107,250	-143,000	-143,000	-143,000	-68,000	-67,000	-67,000	-67,000	-30,000	-30,000	-29,000	30,000	28,000	29,000	29,000	29,000	7,000	7,000	7,000	7,000
net gain (losses) on equity securities								86,000
increase in value of acquisition price															833,000	683,000							2,333,000
provision for (reversal of) credit losses													3,300,000	10,000,000	3,000,000	1,450,000	-1,578,750	1,100,000
net interest income after provision for (reversal of) credit losses													52,415,000	68,161,000	72,591,000	68,908,000
gain on sale of branches																				674,000
net gain on sales/redemptions of securities available-for-sale
net gains on sales/redemption of investment securities																	48,750
data processing																	1,585,000	1,541,000	1,603,000	1,536,000	1,479,000	1,470,000	1,586,000	1,473,000	1,151,000	1,058,000	1,139,000	1,155,000	1,080,000	1,102,000	1,091,000	1,148,000	1,069,000	1,176,000	1,149,000	1,149,000	1,105,000	1,002,000	1,010,000	829,000
merger and restructuring expenses																					3,660,000		5,146,000
earnings per common share:
basic	810	790	-520	490	500	410	460	410	460	510	510	600	790	700	780	760	790	810	810	830	650	620	370	150	590	610	540	330	570	620	540	130	330	410	240	370	-80	390	360	350	50
diluted	800	780	-520	490	490	410	460	410	460	510	510	590	780	700	780	750	790	800	810	820	640	620	370	150	590	610	540	330	570	610	540	130	330	410	240	370	-80	390	360	350	50
(reversal of) provision for credit losses																			-1,649,000	-5,766,000
net interest income after (reversal of) provision for credit losses																			64,658,000
net gains on sales/redemption of securities available-for-sale																			195,000
net gains on sale of investment securities
provision for loan losses																					5,000,000	5,000,000	15,000,000	16,000,000	500,000	2,000,000	1,100,000	4,500,000	1,100,000	1,100,000	1,100,000	17,800,000	2,000,000	1,450,000	1,450,000	1,100,000
net interest income after provision for loan losses																					56,371,000	55,549,000	45,790,000	39,281,000	46,931,000	46,406,000	44,430,000	40,452,000	39,061,000	38,862,000	37,845,000	20,347,000	37,808,000	35,569,000	33,651,000	32,041,000
net gains on sales of securities available-for-sale																					7,250			29,000				8,000					399,000			1,596,000
loss on extinguishment of debt																											1,047,000													2,397,000
borrowings and subordinated debentures																									3,822,500	4,632,000
net losses on sales of securities available-for-sale																									-70,000	-279,000	-9,000
dividends per common share																												90	75	75	75	75	75	75	75	75
annuities and insurance commissions																																	9,750			39,000	35,000	68,000	32,000	46,000
amortization of core deposit intangible																													144,000	145,000	169,000	169,000	169,000	169,000	193,000	193,000	193,000	193,000	217,000	241,000
increase in valuation allowance, loans held-for-sale																																	267,000	3,000,000	9,725,000	2,600,000
change in fair value of equity securities																													81,250	157,000	47,000
interest and dividends on securities:
less: preferred stock dividends																																								28,000
provision for loan and lease losses																																					25,200,000	6,750,000	3,750,000	1,550,000
net interest income after provision for loan and lease losses																																					8,207,000	26,274,000	28,644,000	27,128,000
bank-owned life insurance																																					460,750	615,000	616,000	388,000
insurance recovery																																								2,224,000
net gains on sales of investment securities																																					1,058,500	4,131,000	103,000	221,000
weighted-average common shares outstanding:
basic																																						30,125,287,000	30,089,829,000	29,868,247,000	12,991,312,000	13,048,518	12,990,441	13,070,868	13,144,747	13,780,504	13,864,272	13,910,450	13,910,826	13,294,937	13,234,443	13,276,568	13,435,226	13,427,251	10,962,507	10,432,315
diluted																																						30,401,684,000	30,340,376,000	30,231,480,000	12,993,185,000	13,061,410	13,003,954	13,083,558	13,163,586	13,840,756	13,938,892	13,962,934	13,986,709	13,371,750	13,323,107	13,353,176	13,435,226	13,472,086	11,005,043	10,477,434
dividend per common share																																					56.25	75	75	75
net gains on sale of loans held for sale																																							56,000	99,000
merger-related expenses
interest income:
taxable interest income																																									2,380,000	2,439,000	2,514,000	2,635,000		3,241,000	3,390,000	3,259,000		3,454,000	3,666,000	3,912,000		4,824,000	4,935,000	4,488,000
non-taxable interest income																																									343,000	511,000	559,000	675,000		772,000	792,000	789,000		903,000	945,000	1,010,000		989,000	992,000	973,000
interest on federal funds sold and securities purchased under agreement to resell																																										27,250		30,000	79,000	83,000	40,000	256,000	225,000	162,000	234,000	141,000	10,000		17,000	12,000
interest expense:
interest on certificates of deposit 100 or more																																									778,000	457,500	618,000	537,000		755,500	1,132,000	785,000		970,750	1,180,000
interest on other deposits																																									2,277,000	2,574,000	2,434,000	2,499,000	3,369,000	4,167,000	3,954,000	4,484,000	4,266,000	4,137,000	4,049,000	2,819,000	2,070,000	2,105,000	1,896,000	1,560,000
interest on borrowings																																									2,508,000	2,042,750	2,777,000	2,765,000	2,629,000	1,819,750	2,369,000	2,450,000	2,460,000	2,533,000	2,451,000	2,573,000	3,412,000	3,494,000	2,605,000	1,982,000
benefit from loan losses																																									1,421,000	425,000	465,000	521,000	150,000	150,000	100,000	100,000
net interest income after benefit from loan losses																																									4,958,000	4,460,000	6,395,000	5,908,000	5,537,000	4,031,750	5,381,000	5,125,000	5,621,000	4,665,000	5,952,000	6,308,000	6,400,000	7,155,000	6,849,000	6,415,000
other income:
service charges, commissions and fees																																									449,000	489,000	484,000	513,000	529,000	531,000	438,000	436,000	419,000	429,000	443,000	449,000	438,000	501,000	475,000	495,000
annuities and insurance																																									40,000
bank owned life insurance																																									218,000	247,000	507,000	227,000	222,000	217,000	223,000	230,000	223,000	183,000	213,000	203,000	181,000	185,000	185,000	183,000
net securities gains																																									600,000	-256,000	-1,075,000	225,000
other																																									77,000	-2,185,000	845,000	852,000	908,000	1,322,000	1,138,000	1,186,000	1,614,000	1,306,000	1,433,000	1,376,000	1,540,000	1,356,000	1,153,000	1,141,000
total other income																																									1,384,000	615,000	47,000	1,116,000	866,000	874,000	911,000	1,177,000	1,410,000	1,618,000	1,007,000	873,000	-2,865,000	1,296,000	914,000	828,000
occupancy																																									797,000	983,000	803,000	734,000	759,000	799,000	692,000	629,000	723,000	619,000	563,000	521,000	606,000	575,000	442,000	570,000
premises and equipment																																									321,000	362,000	352,000	356,000	366,000	437,000	442,000	436,000	462,000	564,000	461,000	467,000	448,000	499,000	483,000	458,000
stationery and printing																																									70,000	97,000	87,000	118,000	95,000	104,000	87,000	115,000	159,000	144,000	159,000	178,000	211,000	156,000	181,000	121,000
computer expense																																									214,000	229,000	238,000	226,000	141,000	150,000	151,000	148,000
preferred stock dividends and accretion																																									129,000
weighted-average common shares outstanding :
basic																																						30,125,287,000	30,089,829,000	29,868,247,000	12,991,312,000	13,048,518	12,990,441	13,070,868	13,144,747	13,780,504	13,864,272	13,910,450	13,910,826	13,294,937	13,234,443	13,276,568	13,435,226	13,427,251	10,962,507	10,432,315
diluted																																						30,401,684,000	30,340,376,000	30,231,480,000	12,993,185,000	13,061,410	13,003,954	13,083,558	13,163,586	13,840,756	13,938,892	13,962,934	13,986,709	13,371,750	13,323,107	13,353,176	13,435,226	13,472,086	11,005,043	10,477,434
annuity and insurance																																										22,000	35,000	38,000	17,000	44,000	131,000	60,000	63,000	60,000	40,000	53,000	52,000
other income																																										76,750	96,000	113,000	98,000	125,000	105,000	110,000	117,000	145,000	99,000	91,000	119,000	235,000	159,000	95,000
income before income tax benefit																																										2,259,000	1,864,000	1,836,000	1,450,000				603,000			1,415,000
income tax benefit																																										560,000	346,000	428,000	233,000	-565,750	-786,000	-771,000	-706,000			43,000
earnings per share:
basic																																										0.13	0.12	0.11	0.09	0.04	0.07	0.07	0.09	0.17	0.1	0.1	-0.08	0.15	0.18	0.17
diluted																																										0.13	0.12	0.11	0.09	0.04	0.07	0.07	0.09	0.17	0.1	0.1	-0.08	0.15	0.18	0.17
non-taxable																																													802,000
interest on certificates of deposit 100 and over																																													675,000				1,105,000			1,354,000
net gain on securities sold																																														-43,000	14,000	341,000	588,000
computer																																																	165,000
gain on securities sold																																																		-841,500	212,000	77,000	-3,655,000	326,000	23,000	13,000
income before income tax (benefit) expense																																																		-6,750	1,224,000		-2,666,000
income tax (benefit) expense																																																		-408,500	-78,000		-1,599,000
interest on certificates of deposit 100,000 and over																																																					1,349,000	820,000	987,000	999,000
annuity & insurance																																																						49,000	72,000	42,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-03-31	2023-12-31	2023-06-30	2022-12-31	2022-09-30	2021-12-31	2021-03-31	2020-12-31	2020-06-30	2019-12-31	2018-12-31	2006-12-31	2006-09-30

assets
cash and due from banks	92,406,000				57,816,000	45,322,000	61,421,000	56,286,000	61,629,000	58,852,000	54,352,000	48,250,000	63,637,000	62,764,000	65,717,000	39,161,000	34,088,000	18,431,000
interest-bearing deposits with banks	288,489,000				298,672,000	232,261,000	181,293,000	263,638,000	206,686,000	274,992,000	211,184,000	211,842,000	240,119,000	286,597,000	135,766,000	133,205,000
cash and cash equivalents	380,895,000				356,488,000	277,583,000	242,714,000	319,924,000	268,315,000	333,844,000	265,536,000	260,092,000	303,756,000	349,361,000	201,483,000	172,366,000
investment securities	1,250,938,000	1,355,775,000	935,996,000	745,873,000	612,847,000	619,397,000	617,162,000	612,819,000	634,884,000	623,629,000	534,507,000
equity securities	19,287,000				20,092,000	19,457,000	18,564,000	17,950,000	15,811,000	15,563,000	13,794,000	13,200,000	13,387,000	13,407,000	11,185,000	11,460,000
loans held-for-sale	391,000				743,000			1,089,000	13,772,000	8,080,000	250,000	6,900,000	4,710,000	11,212,000	33,250,000
loans receivable	11,453,280,000				8,274,810,000	8,297,957,000	8,345,145,000	8,148,540,000	8,099,689,000	7,900,450,000	6,828,622,000	6,277,191,000	6,236,307,000	6,363,267,000	5,113,527,000	4,541,092,000
less: allowance for credit losses - loans	154,305,000				82,685,000	82,869,000	81,974,000	89,205,000	90,513,000	91,717,000	78,773,000
net loans receivable	11,298,975,000				8,192,125,000	8,215,088,000	8,263,171,000	8,059,335,000	8,009,176,000	7,808,733,000	6,749,849,000	6,196,623,000	6,157,081,000	6,294,543,000	5,075,234,000	4,506,138,000
investment in restricted stock, at cost	54,722,000				40,449,000	48,931,000	51,457,000	46,688,000	46,604,000	45,324,000	27,826,000	22,483,000	25,099,000	26,656,000	27,397,000	31,136,000
bank premises and equipment	55,285,000				28,447,000	29,827,000	30,779,000	29,093,000	27,800,000	28,519,000	29,032,000	29,296,000	30,108,000	31,103,000	19,236,000	19,062,000
accrued interest receivable	60,761,000				45,498,000	49,731,000	49,108,000	46,237,000	46,062,000	38,940,000	34,152,000	35,249,000	35,317,000	29,894,000	20,949,000	18,214,000	4,932,000	5,252,000
bank owned life insurance	370,713,000				243,672,000	239,308,000	237,644,000	234,412,000	231,328,000	229,800,000	195,731,000	167,024,000	165,960,000	165,056,000	137,961,000	113,820,000	21,368,000	21,185,000
right of use operating lease assets	29,603,000				14,489,000	11,725,000	12,007,000	8,874,000	10,179,000	10,196,000	11,017,000	13,469,000	16,159,000	23,771,000	15,137,000
goodwill	220,235,000				208,372,000	208,372,000	208,372,000	208,372,000	208,372,000	208,372,000	208,372,000	208,372,000	208,372,000	208,373,000	162,574,000	145,909,000
core deposit intangibles	59,923,000				4,639,000	5,553,000	5,874,000	6,569,000	7,312,000	7,721,000	8,997,000	10,470,000	10,977,000	12,232,000	5,460,000	1,737,000
other assets	200,972,000	9,974,000		7,423,000	111,739,000	128,992,000	118,751,000	132,601,000	125,069,000	119,267,000	50,417,000	44,438,000	88,458,000	33,150,000	59,465,000	30,216,000	9,588,000	9,335,000
total assets	14,002,700,000	14,050,585,000	11,108,430,000	9,748,605,000	9,879,600,000	9,853,964,000	9,855,603,000	9,723,963,000	9,644,948,000	9,478,252,000	8,129,480,000	7,449,639,000	7,547,339,000	7,617,184,000	6,174,032,000	5,462,092,000	1,051,384,000	1,030,426,000
liabilities
deposits:
noninterest-bearing	2,420,397,000				1,422,044,000	1,290,523,000	1,259,364,000	1,356,293,000	1,501,614,000	1,665,658,000	1,617,049,000	1,384,961,000	1,339,108,000	1,276,070,000	861,728,000	768,584,000
interest-bearing	8,820,218,000				6,398,070,000	6,298,131,000	6,276,838,000	6,182,004,000	5,855,008,000	5,644,852,000	4,715,904,000	4,566,373,000	4,620,116,000	4,550,791,000	3,905,814,000	3,323,508,000
total deposits	11,240,615,000				7,820,114,000	7,588,654,000	7,536,202,000	7,538,297,000	7,356,622,000	7,310,510,000	6,332,953,000	5,951,334,000	5,959,224,000	5,826,861,000	4,767,542,000	4,092,092,000	726,771,000	731,727,000
borrowings	903,489,000	783,994,000	723,303,000	686,391,000	688,064,000	877,568,000	933,579,000	827,601,000	857,622,000	829,953,000	468,193,000	359,710,000	425,954,000	667,062,000	500,293,000	600,001,000
subordinated debentures, net of debt issuance costs	201,864,000				79,944,000		79,439,000		153,255,000		152,951,000		202,648,000
operating lease liabilities	32,446,000				15,498,000	12,843,000	13,171,000	10,007,000	11,397,000	11,454,000	12,417,000		18,026,000	27,648,000	16,449,000
other liabilities	50,946,000	92,049,000	62,220,000	51,800,000	34,276,000	78,724,000	76,592,000	69,474,000	87,301,000	24,861,000	38,754,000	34,974,000	26,177,000	25,396,000	29,673,000
total liabilities	12,429,360,000				8,637,896,000	8,637,355,000	8,638,983,000	8,524,566,000	8,466,197,000	8,329,957,000	7,005,268,000	6,514,002,000	6,632,029,000	6,749,443,000	5,442,842,000	4,848,165,000	953,771,000	933,749,000
commitments and contingencies
stockholders’ equity		1,513,892,000	1,344,254,000	1,254,373,000
preferred stock, no par value;
1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of december 31, 2025 and as of december 31, 2024; outstanding 115,000 shares as of december 31, 2025 and as of december 31, 2024	110,927,000
common stock						586,946,000		586,946,000		586,946,000
authorized 100,000,000 shares; issued 54,157,402 shares as of december 31, 2025 and 42,255,865 shares as of december 31, 2024; outstanding 50,271,854 shares as of december 31, 2025 and 38,370,317 as of december 31, 2024	857,765,000
additional paid-in capital	38,763,000				36,347,000	32,866,000	33,182,000	30,740,000	30,126,000	28,756,000	27,246,000	23,621,000	23,887,000	22,069,000	21,344,000	15,542,000	4,535,000
retained earnings	673,897,000				631,446,000	600,118,000	590,970,000	566,498,000	535,915,000	510,957,000	440,169,000	358,441,000	331,951,000	288,688,000	271,782,000	211,345,000	37,527,000	36,432,000
treasury stock	-76,116,000				-76,116,000	-76,116,000	-70,296,000	-61,877,000	-52,799,000	-52,799,000	-39,672,000	-32,682,000	-30,271,000	-30,271,000	-29,360,000	-16,717,000	-6,631,000	-6,760,000
accumulated other comprehensive loss	-31,896,000				-47,846,000	-38,132,000	-35,109,000	-33,837,000	-32,364,000	-36,492,000					-1,147,000	-8,789,000	-3,410,000	-2,862,000
total stockholders’ equity	1,573,340,000				1,241,704,000	1,216,609,000	1,216,620,000	1,199,397,000	1,178,751,000	1,148,295,000	1,124,212,000	935,637,000	915,310,000	867,741,000	731,190,000	613,927,000	97,613,000	96,677,000
total liabilities and stockholders’ equity	14,002,700,000	14,050,585,000	11,108,430,000	9,748,605,000	9,879,600,000	9,853,964,000	9,855,603,000	9,723,963,000	9,644,948,000	9,478,252,000	8,129,480,000	7,449,639,000	7,547,339,000	7,617,184,000	6,174,032,000	5,462,092,000	1,051,384,000	1,030,426,000
interest income		187,709,000	146,030,000	124,789,000
noninterest income		17,880,000	4,865,000	3,749,000
total segment income		205,589,000	150,895,000	128,538,000
less:
interest expense		79,778,000	63,786,000	57,735,000
segment net interest income and noninterest income		125,811,000	87,109,000	70,803,000
provision for credit losses		5,500,000	35,700,000	3,500,000
salaries and employee benefits		32,401,000	25,233,000	22,578,000
other segment items*		26,540,000	48,042,000	16,332,000
income tax expense		16,277,000	-4,988,000	7,160,000
segment consolidated net income		45,093,000	-16,878,000	21,233,000
other segment disclosures
depreciation		1,841,000	1,325,000	1,098,000
amortization of core deposit intangibles		3,196,000	1,251,000	279,000
other significant noncash items:
segment assets		14,013,611,000	13,906,221,000	9,751,832,000
total expenses for segment assets		160,496,000	167,773,000	107,306,000
reconciliation of assets
total assets for segment		14,013,611,000	13,906,221,000	9,751,832,000
total consolidated assets		14,023,585,000	13,915,738,000	9,759,255,000
interest-earning assets:
total loans		11,162,060,000	9,121,794,000	8,209,014,000
federal funds sold and interest-bearing deposits with banks		605,344,000	367,309,000	229,491,000
restricted investment in bank stocks		49,264,000	43,490,000	40,334,000
total interest-earning assets		13,172,443,000	10,468,589,000	9,224,712,000
noninterest-earning assets:
allowance for credit losses		-159,157,000	-98,030,000	-84,027,000
other noninterest-earning assets		1,037,299,000	737,871,000	607,920,000
interest-bearing liabilities:
interest-bearing deposits:
time deposits		3,019,848,000	2,662,411,000	2,480,990,000
other interest-bearing deposits		5,889,230,000	4,463,648,000	3,888,131,000
total interest-bearing deposits		8,909,078,000	7,126,059,000	6,369,121,000
subordinated debentures		263,511,000	170,802,000	79,988,000		79,566,000		79,187,000		153,179,000		152,724,000		202,476,000	128,885,000	128,556,000	5,155,000	15,465,000
finance lease		1,068,000	1,139,000	1,210,000
total interest-bearing liabilities		9,957,651,000	8,021,303,000	7,136,710,000
noninterest-bearing demand deposits		2,486,993,000	1,680,653,000	1,305,722,000
total noninterest-bearing liabilities		2,579,042,000	1,742,873,000	1,357,522,000
net interest income
net interest spread
net interest margin
tax-equivalent adjustment
others assets			9,517,000
1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of december 31, 2024 and as of december 31, 2023; outstanding 115,000 shares as of december 31, 2024 and as of december 31, 2023					110,927,000
authorized 100,000,000 shares; issued 42,255,865 shares as of december 31, 2024 and 42,122,948 shares as of december 31, 2023; outstanding 38,370,317 shares as of december 31, 2024 and 38,519,770 as of december 31, 2023					586,946,000
preferred stock, no par value; 1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of march 31, 2024 and as of december 31, 2023; outstanding 115,000 shares as of march 31, 2024 and as of december 31, 2023						110,927,000
other real estate owned									264,000	264,000
1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of december 31, 2023 and as of december 31, 2022; outstanding 115,000 shares as of december 31, 2023 and as of december 31, 2022							110,927,000
authorized 100,000,000 shares; issued 42,122,948 shares as of december 31, 2023 and 41,942,149 shares as of december 31, 2022; outstanding 38,519,770 shares as of december 31, 2023 and 39,243,123 as of december 31, 2022							586,946,000
preferred stock, no par value; 1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of june 30, 2023 and as of december 31, 2022; outstanding 115,000 shares as of june 30, 2023 and as of december 31, 2022								110,927,000
1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of december 31, 2022 and as of december 31, 2021; outstanding 115,000 shares as of december 31, 2022 and as of december 31, 2021									110,927,000
authorized 100,000,000 shares; issued 41,942,149 shares as of december 31, 2022 and 41,820,008 shares as of december 31, 2021; outstanding 39,243,123 shares as of december 31, 2022 and 39,568,090 as of december 31, 2021									586,946,000
preferred stock, no par value; 1,000 per share liquidation preference; authorized 5,000,000 shares; issued 115,000 shares as of september 30, 2022 and as of december 31, 2021; outstanding 115,000 shares as of september 30, 2022 and as of december 31, 2021										110,927,000
1,000 per share liquidation preference; authorized 5,000,000 shares;
issued 115,000 shares as of december 31, 2021 and -0- shares as of
december 31, 2020; outstanding 115,000 shares as of december 31, 2021
and -0- shares as of december 31, 2020											110,927,000
authorized 100,000,000 shares; issued 42,557,264 shares as of december 31, 2021 and 42,444,031 shares as of december 31, 2020;
outstanding 39,568,090 shares as of december 31, 2021 and 39,785,398 as of december 31, 2020											586,946,000
accumulated other comprehensive income											-1,404,000	-689,000	2,797,000	309,000
securities available-for-sale												442,023,000	487,955,000	418,426,000	404,701,000	412,034,000
less: allowance for credit losses												80,568,000
lease liabilities												15,260,000
preferred stock:
authorized 5,000,000 shares
authorized 50,000,000 shares; issued 42,525,864 shares as of march 31, 2021 and 42,444,031 shares as of december 31, 2020; outstanding 39,773,602 shares as of march 31, 2021 and 39,785,398 as of december 31, 2020												586,946,000
less: allowance for loan losses													79,226,000	68,724,000	38,293,000	34,954,000
authorized 50,000,000 shares; issued 42,444,031 shares as of december 31, 2020 and 37,676,006 shares as of december 31, 2019; outstanding 39,785,398 shares as of december 31, 2020 and 35,072,066 as of december 31, 2019													586,946,000
authorized 50,000,000 shares; issued 42,411,666 shares at june 30, 2020 and 37,676,006 shares at december 31, 2019; outstanding 39,753,033 shares at june 30, 2020 and 35,072,067 at december 31, 2019														586,946,000
authorized 55,000,000 shares; issued 37,676,006 shares at december 31, 2019 and 34,392,464 shares at december 31, 2018; outstanding 35,072,066 shares at december 31, 2019 and 32,328,542 at december 31, 2018															468,571,000
accounts payable and accrued liabilities																27,516,000	15,411,000	4,069,000
authorized 50,000,000 shares; issued 34,392,464 shares at december 31, 2018 and 34,135,782 shares at december 31, 2017; outstanding 32,328,542 shares at december 31, 2018 and 32,071,860 at december 31, 2017																412,546,000
federal funds sold and securities purchased under agreement to resell																	10,275,000	7,884,000
total cash and cash equivalents																	44,363,000	26,315,000
investment securities available-for-sale																	250,603,000	263,049,000
investment securities held to maturity																	131,130,000	136,881,000
total investment securities																	381,733,000	399,930,000
loans, net of unearned income																	550,414,000	537,350,000
less – allowance for loan losses																	4,960,000	4,908,000
net loans																	545,454,000	532,442,000
restricted investment in bank stocks, at cost																	7,805,000
premises and equipment																	18,829,000	18,621,000
goodwill and other intangible assets																	17,312,000	17,346,000
non-interest-bearing																	136,453,000
interest-bearing:
time deposits 100 and over																	83,623,000
interest-bearing transaction, savings and time deposits 100 and less																	506,695,000
overnight federal funds and securities sold under agreement to repurchase																	29,443,000
short-term borrowings																	2,000,000
long-term borrowings																	174,991,000
preferred stock, no par value:
authorized 5,000,000 shares; none issued
authorized 20,000,000 shares; issued 14,467,962 shares at december 31, 2006 and 2005; outstanding 13,248,406 and 13,431,628 shares at december 31, 2006 and 2005, respectively																	65,592,000
non-interest bearing																		135,280,000
certificates of deposit 100 and over																		90,560,000
interest-bearing transactions, savings and time deposits 100 and less																		505,887,000
term borrowings																		89,635,000
fed funds purchased
overnight fhlb borrowings
securities sold under agreement to repurchase																		92,853,000
authorized 20,000,000 shares; issued 14,467,962 shares at september 30, 2006 and december 31, 2005; outstanding shares 13,224,701 at september 30, 2006 and 13,431,628 at december 31, 2005																		65,592,000
additional paid in capital																		4,275,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-12-31	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	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2015-06-30	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	2005-09-30	2005-06-30	2005-03-31

cash flows from operating activities
net income	39,518,000	40,976,000	-20,293,000	20,242,000	-53,348,207	17,161,000	19,056,000	17,205,000	-67,642,997	21,407,000	21,394,000	24,929,000	32,557,000	28,915,000	32,358,000	31,381,000	33,038,000	32,097,000	32,219,000	32,999,000	25,641,000	6,030,000	20,783,000	21,696,000	19,281,000	11,635,000	18,672,000	19,902,000	17,527,000	4,251,000	10,580,000	13,077,000	7,683,000	11,880,000	-2,024,000	11,856,000	20,102,000	799,000	1,699,000	1,518,000	1,408,000	1,217,000	532,000	998,000	1,017,000	1,309,000	2,291,000	1,302,000	1,372,000	-1,067,000	2,036,000	1,933,000	1,745,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization of premises and equipment	1,823,000	1,841,000	1,325,000	1,098,000	-3,279,578	1,099,000	1,083,000	1,102,000	-3,350,497	1,144,000	1,135,000	1,076,000	960,000	961,000	959,000	983,000	925,000	1,086,000	866,000	880,000	1,142,000	949,000	720,000	736,000	783,000	814,000	726,000	800,000	761,000	775,000	787,000	816,000	773,000	775,000	620,000	786,000
provision for credit losses	2,300,000	5,500,000	35,700,000	3,500,000	-10,286,200	3,800,000	2,500,000	4,000,000		1,500,000	3,000,000	1,000,000
amortization of intangibles	3,196,000	3,196,000	1,251,000	279,000	-937,765	297,000	321,000	321,000	-1,088,562	347,000	371,000	372,000	409,000	409,000	434,000	433,000	482,000	483,000	508,000	507,000	628,000	652,000	340,000	340,000	364,000	364,000	144,000	145,000	169,000	169,000	169,000	169,000	193,000	193,000	193,000	193,000
net accretion of loans			-3,570,000	-175,000	691,121	-220,000	-225,000	-247,000	1,616,096	-370,000	-505,000	-743,000	-730,000	-759,000	-815,000	-874,000	-1,220,000	-1,327,000	-1,397,000	-1,406,000	-1,462,000	-1,996,000	-1,266,000	-1,340,000	-1,487,000	-963,000	-158,000	-163,000	-627,000	-179,000	-967,000	-260,000	-256,000	-590,000	-899,000	-932,000
accretion on bank premises			-12,000	-12,000	36,951	-13,000	-12,000	-12,000	36,951	-13,000	-12,000	-12,000	-12,000	-13,000	-12,000	-12,000	-12,000	-16,000	-22,000	-23,000	-22,000	-23,000	-21,000	-22,000	-22,000	-21,000	-21,000	-13,000	-17,000	-16,000	-16,000	-17,000	-18,000	-23,000	-38,000	-31,000
amortization on deposits
amortization on borrowings	5,000	6,000	5,000	6,000	-15,978	5,000	6,000	5,000	-15,979	5,000	6,000	5,000		13,000	-2,000	16,000				-17,000	-44,000	43,000	43,000	52,000	56,000	58,000
net deferred income tax expense
loss on bank owned life insurance policy exchange	0	0	0	327,000
stock-based compensation	829,000	1,304,000	1,228,000	1,287,000	-3,211,432	1,119,000	1,089,000	1,008,000	-3,636,140	1,276,000	1,222,000	1,143,000	1,370,000	1,220,000	1,152,000	1,147,000	1,334,000	1,245,000	985,000	972,000	950,000	536,000				828,000				-370,000	463,000	463,000	463,000	389,000	463,000	545,000
loss on equity securities																													47,000	121,000
gain on sale of loans held-for-sale
loans originated for resale		-10,554,000	-4,583,000	-6,215,000	18,172,660	-5,691,000	-5,894,000	-6,617,000	19,484,847	-9,427,000	-9,230,000	-854,000	-2,509,000	-3,824,000	-5,923,000	-8,872,000	-7,993,000	-13,076,000	-7,252,000	-23,348,000	-28,786,000	-5,186,000	-8,692,000	-7,763,000	-2,547,000	-1,497,000	-1,915,000	-708,000	-453,000	-1,045,000	-2,293,000	-2,899,000	-1,786,000	-2,105,000	-3,605,000	-3,602,000
proceeds from sale of loans held-for-sale	9,209,000	12,440,000	3,939,000	7,088,000	-20,296,680	6,469,000	6,736,000	7,123,000	-29,494,355	11,149,000	17,180,000	1,202,000	2,386,000	9,653,000	6,830,000	9,472,000				21,856,000		17,324,000				1,148,000	2,215,000			1,145,000			2,539,000	6,440,000	5,100,000
net loss on disposition of fixed assets
net loss on sale of other real estate owned																											0				0	0	0	82,000	0	28,000
accretion of cash surrender value of bank owned life insurance
accretion of discounts and amortization of premium on securities available-for-sale
amortization of subordinated debt issuance costs																							83,000	82,000	82,000	82,000	82,000	82,000	82,000	86,000
decrease in accrued interest receivable		540,000			-2,153,390	1,311,000						-239,000		-4,325,000	-534,000	71,000		391,000												-550,000				264,000
net change in operating leases		-150,000	1,087,000	-27,000	122,845	-35,000	-42,000	-46,000	22,946	62,000	-43,000	-42,000	-40,000	-49,000	-66,000	-27,000	-35,000	-295,000	-308,000	-131,000	-2,030,000	-19,000	-47,000	-31,000	-18,000	1,408,000
decrease in other assets														-757,000	6,561,000	-10,585,000	2,767,000	-4,917,000	1,080,000	47,156,000		17,366,000	-25,102,000	-1,748,000	508,000	3,723,000	-1,176,000	168,000	2,143,000	-2,269,000	-3,188,000	4,025,000	-1,504,000	6,373,000
increase in other liabilities	5,504,000	2,446,000	3,593,000	-3,433,000				2,232,000			-19,716,000	2,253,000	60,613,000	-16,422,000	-17,814,000	21,945,000	4,837,000	1,984,000	-3,884,000	7,589,000			-1,389,000	6,682,000			1,043,000	-8,688,000					4,690,000	-664,000	-1,041,000	-5,715,000		450,000				-2,091,000				354,000							-2,105,000
net cash from operating activities	47,700,000	37,350,000	6,457,000	14,891,000	-28,400,300	-14,358,000	22,297,000	20,522,000	-64,468,109	26,923,000	21,264,000	16,374,000	81,831,000	23,979,000	25,123,000	45,844,000	47,629,000	35,171,000	39,342,000	80,131,000	-18,631,000	46,461,000	-2,666,000	28,087,000	22,268,000	12,999,000	21,725,000	13,036,000	34,066,000	20,233,000	62,822,000	20,270,000	21,548,000	26,493,000	13,092,000		17,419,000	4,858,000	-4,526,000	2,476,000	3,115,000	-1,769,000	2,964,000	-635,000	-52,000	-391,000	4,172,000	-3,042,000	2,754,000	1,663,000	1,499,000	4,285,000	-941,000
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
free cash flows	47,700,000	37,350,000	6,457,000	14,891,000	-28,400,300	-14,358,000	22,297,000	20,522,000	-64,468,109	26,923,000	21,264,000	16,374,000	81,831,000	23,979,000	25,123,000	45,844,000	47,629,000	35,171,000	39,342,000	80,131,000	-18,631,000	46,461,000	-2,666,000	28,087,000	22,268,000	12,999,000	21,725,000	13,036,000	34,066,000	20,233,000	62,822,000	20,270,000	21,548,000	26,493,000	13,092,000		17,419,000	4,858,000	-4,526,000	2,476,000	3,115,000	-1,769,000	2,964,000	-635,000	-52,000	-391,000	4,172,000	-3,042,000	2,754,000	1,663,000	1,499,000	4,285,000	-941,000
cash flows from investing activities
investment securities available-for-sale:
purchases		-61,402,000	-296,811,000	-33,453,000	66,662,481	-17,929,000	-22,867,000	-25,947,000	33,411,857	-18,776,000	-9,915,000	-4,763,000	-18,113,000	-24,692,000	-243,284,000	-52,970,000	-145,966,000	-76,893,000	-93,336,000	-33,305,000	-116,025,000	-86,731,000	-22,359,000	-61,755,000	-34,334,000	-107,405,000	-25,556,000	-53,862,000	-14,262,000	-46,333,000	-85,676,000	-21,088,000	-67,945,000	-49,912,000	-50,683,000	-46,689,000
sales	0	0																			0	19,624,000	0	33,396,000	56,257,000	94,075,000					0	0	0	29,543,000	0	78,680,000
maturities, calls and principal repayments	58,786,000	54,724,000	31,276,000	16,982,000	-47,683,349	17,544,000	17,043,000	13,166,000	-49,525,450	17,187,000	15,497,000	16,906,000	14,739,000	36,724,000	54,874,000	43,950,000	70,342,000	68,189,000	75,149,000	72,193,000	81,053,000	50,294,000	41,741,000	45,347,000	55,657,000	35,371,000	26,102,000	40,251,000	36,003,000	39,503,000	47,404,000	22,387,000	17,930,000	21,383,000	28,135,000	58,694,000
purchases of equity securities													-338,000	0			-225,000				0	-2,000,000
proceeds from equity securities sold	0	1,960,000	0	2,374,000
net redemptions (purchases) of restricted investment in bank stocks					-8,673,992	631,000															3,614,000						1,350,000								225,000	675,000
loans held-for-sale payments
net decrease in loans		-134,072,000	-38,420,000	70,451,000	-223,864,059	42,641,000	137,008,000	44,273,000																																						19,839,000
proceeds from sale of other real estate owned													0				0										0				0	580,000	0	544,000	0	1,680,000
proceeds from bank owned life insurance	0	0	0	278,000
purchases of premises and equipment		-3,456,000	-68,000	-263,000	1,532,207	-1,273,000	-125,000	-138,000	3,942,567	-470,000	-613,000	-2,867,000	-948,000	-1,077,000	-558,000	-718,000	-310,000	-1,932,000	-474,000	-67,000	-1,305,000	-1,728,000	-191,000	-687,000	-392,000	-257,000	-422,000	-1,396,000	-94,000	-139,000	-513,000	-1,086,000	-126,000	-936,000	-933,000	-390,000	-1,532,000	-201,000	-396,000	-826,000	-1,291,000	-369,000
proceeds from disposition of fixed assets
cash acquired, net of cash consideration paid in acquisition	8,000	0
net cash from investing activities		-145,226,000	39,873,000	59,175,000	-211,613,849	42,504,000	136,092,000	33,073,000	75,468,962	-39,437,000	-9,724,000	-26,556,000	-213,649,000	-629,883,000	-539,486,000	-160,214,000	-337,164,000	-178,416,000			-11,214,000	-95,364,000	16,302,000	-41,998,000	-41,427,000	-35,344,000	-75,656,000	-115,583,000	-88,156,000	-77,819,000	-309,031,000	-175,514,000	-244,532,000	-88,650,000	-153,643,000		-188,712,000	-28,587,000	29,915,000	-58,687,000	-44,112,000	14,262,000	25,506,000	6,969,000	14,024,000	7,237,000	6,044,000	29,331,000	-59,725,000	122,658,000			-4,725,000
cash flows from financing activities
net increase in deposits	-129,036,000	90,161,000	259,877,000	-52,884,000	12,300,000	-51,893,000	-12,614,000	52,491,000	-81,925,141	-99,747,000	-214,802,000	396,654,000	46,232,000	693,050,000	57,391,000	227,773,000	-64,923,000	206,339,000			161,201,000	-42,225,000	16,540,000	110,369,000	47,456,000	86,124,000	103,338,000	83,370,000	155,839,000	-45,526,000	171,371,000	193,403,000	74,904,000	11,210,000	75,327,000	67,991,000	-15,218,000	108,842,000					48,071,000	-27,012,000			-4,956,000	-41,236,000
proceeds from issuance of subordinated debt	0	0
redemption of subordinated debt
payment of subordinated debt issuance costs		0
proceeds from fhlb borrowings	176,000,000
repayment of fhlb borrowings
cash dividends paid on preferred stock																																			0	0
cash dividends paid on common stock		-9,055,000	-6,931,000	-6,914,000	20,340,719	-6,914,000	-6,906,000	-6,548,000	19,316,088	-6,620,000	-6,648,000	-6,074,000	-6,090,000	-6,088,000	-6,098,000	-5,152,000	-5,148,000	-4,381,000	-4,380,000	-3,584,000	-3,582,000	-3,576,000	-3,123,000	-3,186,000	-3,194,000	-2,657,000	-2,421,000	-2,416,000	-2,417,000	-2,410,000	-2,405,000	-2,405,000	-2,399,000	-2,403,000	-2,262,000	-2,272,000
purchase of treasury stock																																							-1,000	-282,000	-938,000	-703,000	-6,870,000				0	-793,000
proceeds from exercise of stock options									-95,904	11,000	4,000	81,000	0	0	33,000	91,000	61,000	0	0	45,000	70,000	163,000	95,000	0	122,000	143,000	351,000	272,000	50,000	202,000	299,000	0			535,000	0
share redemption for tax withholdings on performance units and deferred stock units earned			-507,000	-1,627,000	1,401,597	-79,000	0	-1,324,000	1,834,100	0
net cash from financing activities	-69,559,000	54,077,000	257,600,000	-137,951,000	235,593,923	-74,411,000	-142,459,000	-18,726,000			-254,032,000	304,283,000	66,289,000	640,428,000	502,139,000	160,378,000	141,876,000	207,023,000	229,885,000	-129,417,000	77,482,000	130,229,000	-6,162,000	22,270,000	32,261,000	22,527,000	70,449,000	82,226,000	87,472,000	50,791,000			207,623,000	23,627,000	107,156,000			99,332,000	-26,310,000	55,991,000	-3,286,000	-22,069,000	26,284,000	-15,420,000	-44,228,000	3,410,000	7,832,000	-47,209,000	82,249,000	-121,707,000	-4,364,000	47,582,000	18,357,000
net change in cash and cash equivalents	-161,839,000	-53,799,000	303,930,000	-63,885,000	-4,420,226	-46,265,000	15,930,000	34,869,000	14,991,399	-66,626,000	-242,492,000	294,101,000	-65,529,000	34,524,000	-12,224,000	46,008,000	-147,659,000	63,778,000	89,325,000	-43,664,000	47,637,000	81,326,000	7,474,000	8,359,000	13,102,000	182,000	16,518,000	-20,321,000	33,382,000	-6,795,000	8,320,000	-5,246,000	-15,361,000	-38,530,000	-33,395,000	58,681,000
cash and cash equivalents at beginning of period	0	0	0	356,488,000	-242,471,286	0	0	242,714,000	-268,046,685	0	0	268,315,000	0	0	0	265,536,000	0	0	0	303,756,000	0	201,483,000	0	0	0	172,366,000	0	0	0	149,582,000	0	0	0	200,399,000	0	0	111,816,000	15,031,000		0								0	0	19,343,000
cash and cash equivalents at end of period	-161,839,000	-53,799,000	303,930,000	292,603,000	-246,891,512	-46,265,000	15,930,000	277,583,000	-253,055,286	-66,626,000	-242,492,000	562,416,000	-65,529,000	34,524,000	-12,224,000	311,544,000	-147,659,000	63,778,000	89,325,000	260,092,000	47,637,000	282,809,000	7,474,000	8,359,000	13,102,000	172,548,000	16,518,000	-20,321,000	33,382,000	142,787,000	8,320,000	-5,246,000	-15,361,000	161,869,000	-33,395,000	58,681,000	34,849,000	90,634,000		-220,000
supplemental disclosures of cash flow information:
cash payments for:
interest paid
income taxes paid																																																226,000	67,000	41,000
supplemental disclosures of noncash investing activities:
fair value of assets acquired																																																			0
fair value of liabilities assumed																							0	0
stock issued in connection with flic merger
transfer of loans held-for-sale to loans held-for-investment
transfer of loans held-for-investment to loans held-for-sale																							1,650,000				0	0
net accretion of loan purchase discounts
amortization on time deposits
gains on equity securities				-529,000																		-178,000
gains on sale of loans held-for-sale		-859,000	-181,000	-332,000		-343,000	-1,277,000	-506,000		-633,000	-550,000	-49,000		-262,000	-556,000	-701,000				-707,000		-393,000				-19,000				-17,000				-21,000	-85,000
net loss on disposition of premises and equipment
increase in cash surrender value of bank owned life insurance		-2,931,000	-2,087,000	-1,584,000	5,478,858	-2,145,000	-1,677,000	-1,664,000	4,674,684	-1,597,000	-1,553,000	-1,531,000	-1,528,000	-1,521,000	-1,342,000	-1,206,000	-1,244,000	-1,278,000	-1,185,000	-1,064,000	-1,100,000	-968,000	-914,000	-915,000	-833,000	-822,000			-775,000	-189,000	-550,000			-704,000				-218,000	-247,000	-277,000	-227,000	-222,000	-217,000	-223,000	-230,000	-223,000	-183,000	-213,000	-203,000	-181,000	-185,000	-184,000	-183,000
amortization of subordinated debentures issuance costs		177,000	155,000	127,000		126,000	126,000	127,000		126,000	127,000	805,000		76,000	76,000	76,000		75,000	76,000	76,000		82,000
increase in other assets				-5,699,000				-2,946,000		-1,483,000	7,943,000	-13,321,000																								4,175,000			-7,267,000	631,000	621,000	-1,317,000	1,619,000	-1,585,000	-462,000	-1,627,000	-5,843,000	-3,610,000	414,000	-480,000			-258,000
purchase of equity securities		-712,000	-501,000	-612,000		-224,000	-495,000	-807,000		0	-135,000	-2,405,000
net redemptions of restricted investment in bank stocks		-2,268,000	12,059,000	3,418,000				2,526,000			-309,000	225,000				2,572,000		4,457,000
cash dividends on preferred stock		-1,509,000	-1,509,000	-1,509,000		-1,509,000	-1,509,000	-1,509,000		-1,509,000	-1,509,000	-1,509,000		-1,510,000	-1,509,000	-1,509,000																					-6,000	-50,000
repurchase of common stock
share redemption for tax withholdings on performance units, deferred stock units earned and restricted stock units
losses on equity securities						-432,000	209,000	-86,000		273,000	210,000	191,000		430,000	405,000	596,000		78,000	-23,000	187,000				-79,000	-158,000	-103,000
amortization of premium and accretion of discounts on securities available-for-sale			-241,000	185,000		197,000	216,000	185,000		256,000	297,000	268,000
advances of fhlb borrowings																																			0	0
repayments of fhlb borrowings			-564,604,000	-440,017,000	820,936,934	-49,016,000	-272,017,000	-501,016,000				-755,016,000				-206,039,000				-66,227,000		-803,222,000	-1,033,206,000	-768,913,000	-479,198,000	-480,833,000	-507,000,000	-392,000,000	-494,000,000	-410,000,000	-415,000,000	-396,000,000	-175,000,000	-85,000,000	-5,000,000	-15,000,000
repurchase of treasury stock						0	0	-5,820,000		-6,231,000	-4,225,000	-4,853,000		0	-8,341,000	-4,786,000			0	-2,411,000		-911,000			-4,925,000	-250,000
accretion on deposits					80,912	-16,000	-26,000	-39,000	231,721	-55,000	-76,000	-101,000	-120,000	-139,000	-197,000	-321,000	-462,000	-514,000	-598,000	-650,000	-733,000	-1,503,000	-232,000	-278,000	-311,000	-328,000	-11,000	-15,000	-16,000	-15,000	-12,000	-7,000	-8,000	-4,000	-5,000	-35,000
increase in accrued interest receivable				-1,242,000				-623,000		-558,000											-991,000	-458,000	75,000	248,000	-74,000	-550,000	-524,000	-936,000										-119,000								-103,000					-225,000	-467,000	-649,000
advances of federal home loan bank (“fhlb”) borrowings				365,000,000		35,000,000	150,587,000	445,000,000		1,014,500,000	627,000,000	750,000,000				150,000,000						980,000,000		684,000,000	472,000,000	420,000,000		393,000,000	428,000,000	435,000,000		355,000,000	325,000,000	100,000,000
change in fair value of equity securities																											-58,000
net losses on disposition of fixed assets																		38,000
gain on sale of other real estate owned																	0	0
amortization of premiums on investment securities
decrease in other liabilities					37,464,882	-34,254,000																-2,869,000				-7,933,000				-464,000										-851,000				-128,000				-519,000	513,000	-1,591,000
cash flow hedge premium payment													0
purchases of bank owned life insurance													0	0			0	0			0	-25,000,000	0								0				1,000
proceeds from boli death benefits
repayment of subordinated debt												-75,000,000
advances of federal holme loan bank ("fhlb") borrowings
transfer of loans to other real estate owned																							0				0	0	0	538,000	538,000	0				304,000
loss on sale of other real estate owned												22,000
payments on loans held-for-sale										0	8,000	17,000		-2,385,000				14,000	9,000	9,000		75,000						0	47,000	112,000		462,000
proceeds from life insurance death benefits																					816,000
proceeds from sale of oreo										0	0	242,000										992,000																		0
repayments of subordinated debt										0
provision for (reversal of) credit losses														10,000,000	3,000,000	1,450,000
gains on sales/redemptions of investment securities
gain on sale of branches																	0	0	0	-674,000
net losses on disposition of other fixed assets
amortization of premiums and accretion of discounts on investments securities																							1,230,000	1,310,000			656,000	745,000			823,000	730,000			544,000	378,000
net (purchases)/redemptions of restricted investment in bank stocks
net increase in loans									82,591,444	-34,679,000	-14,257,000	-33,911,000	-208,455,000	-633,760,000	-297,675,000	-153,048,000	-251,291,000	-171,714,000	-136,831,000	-36,553,000	19,651,000	-130,187,000	-4,418,000	-52,120,000	-116,614,000	-70,278,000	-79,342,000	-101,415,000	-112,031,000	-69,837,000	-266,702,000	-169,249,000	-189,603,000	-88,605,000	-130,832,000	-84,640,000	-224,676,000	-2,720,000	-15,297,000	-29,981,000	-66,302,000	-13,424,000	-830,000				-13,069,000	-6,727,000			-4,210,000	-24,130,000	-6,329,000
proceeds from sale of branches																	0	0	358,000	729,000
proceeds from preferred stock offering
net purchases of restricted investment in bank stocks																						-8,094,000				-591,000				-1,125,000
purchase of bank owned life insurance																																															0	0
repayments of borrowings										-954,516,000				-900,024,000				-100,230,000			-130,227,000
net cash (used by) provided by financing activities
benefit from (reversal of) credit losses
amortization (accretion) on borrowings
net deferred income tax (benefit) expense
net incomees on disposition of other fixed assets
cash and cash equivalents acquired in acquisitions
(repayment of) increase in subordinated debt
gains on sales/redemptions of securities available-for-sale																		0
net losses on disposition of other premises and equipment																				22,000
amortization of premiums and accretion of discounts on securities available-for-sale														367,000	609,000	872,000		1,525,000	1,547,000	1,605,000		1,101,000				683,000				1,045,000				489,000
net (purchases) redemptions of restricted investment in bank stocks														1,963,000																		2,480,000	-7,167,000	-675,000
repayment of subordinated debentures
advances of borrowings														855,000,000				0			50,000,000
net proceeds from the issuance of preferred stock
share redemption for tax withholdings on performance units and restricted stock units earned														0			0	0			0
increase in (repayment of) subordinated debentures
decrease in subordinated debt																				-50,000,000
(reversal) of provision for credit losses
losses on sales/redemptions of investment securities
loss on extinguishment of debt																							0	0
net gains on disposition of premises and equipment
net gains on sale of other real estate owned
sales of equity securities																							0	0
proceeds from sale of premises and equipment
supplemental disclosures of cash flow information: cash payments for:
(reversal of) provision for credit losses																		1,100,000	-1,649,000	-5,766,000
accretion on borrowings																		-7,000									22,000	-16,000	-37,000	-45,000	-47,000	-49,000	-53,000	-54,000	-57,000	-77,000
gains on sales of loans held-for-sale																		-1,114,000						-278,000				-2,000				-50,000
proceeds from sale of loans held-for sale																		17,631,000						6,443,000
cash and cash equivalents acquired in acquisition																						111,368,000		0	0	13,741,000
(repayment of) increase in subordinated debentures																		0
repurchase of common stock to treasury
gains on sales of securities available-for-sale																						-29,000				-8,000								-1,596,000
decrease increase in accrued interest receivable																				68,000
securities available-for-sale:
net purchases (redemptions) of restricted investment in bank stocks																				2,616,000
net cash from (used) in investing activities																				5,622,000
net decrease in deposits																				-7,240,000																				55,954,000	-1,734,000	-76,146,000				-4,123,000				-48,200,000			-6,288,000
provision for loan losses																					5,000,000	16,000,000	500,000	2,000,000	1,100,000	4,500,000	1,100,000	1,100,000	1,100,000	17,800,000	2,000,000	1,450,000	1,450,000	1,100,000
losses on sales of investment securities																							0	279,000
net losses on disposition of premises and equipment
net losses on sale of other real estate owned
increase in subordinated debt
transfer of loan held-for-sale to loans held-for-investment
business combinations:
fair value of net assets acquired, net of cash and cash equivalents																							0	0
losses on sales of securities available-for-sale
cash consideration paid in acquisition																						-23,977,000		0
increase in subordinated debentures																												0	0	73,525,000
increase to valuation allowance, loans held-for-sale
repayment of repurchase agreement																															0	0
issuance cost of common stock																																						-4,000	-5,000	-9,000	0	-5,000
tax benefit of options exercised
net shares issued in satisfaction of performance units earned
stock-based compensation expense																								673,000				597,000											23,000	24,000	36,000	45,000	40,000	47,000	35,000	29,000	41,000	45,000	44,000	30,000
repurchase of stock
supplemental disclosures of cash flow information
interest paid on deposits and borrowings																								23,274,000				15,145,000	14,128,000	10,927,000		11,164,000	7,040,000	7,603,000		8,171,000	4,780,000	5,369,000	5,649,000	5,641,000	5,811,000	6,514,000	11,067,000	3,893,000	7,844,000	7,922,000	7,557,000	7,993,000
income taxes																								5,383,000				1,010,000	274,000	1,223,000		1,605,000	3,010,000	55,000		3,510,000	12,495,000	50,000	17,000	101,000	593,000	1,659,000	0	196,000	283,000	36,000					195,000	421,000	194,000
supplemental disclosures of noncash investing activities
transfer of loans held-for-sale to held-for-investment																												0
gains on sales of investment securities																															0	0			0	-4,131,000
investment securities held-to-maturity:
maturities and principal repayments																																			-1,000	4,786,000
redemption of preferred stock																																			0	0
secondary offering of common stock
supplemental noncash disclosures:
investing:
transfer from investment securities held-to-maturity to investment securities available-for-sale
increase in valuation allowance																																3,000,000
gains on sales of fixed assets																																0
net increase in cash surrender value of bank owned life insurance
proceeds from sales of fixed assets																																0	0	8,000
common stock issuance costs																																0	0	-180,000
increase in valuation allowance, loans held-for-sale																																		2,600,000
gains on sale of fixed assets																																		-8,000
transfer of loans from held-for-investment to held-for-sale																														21,236,000
transfer of loans from held-for-sale to held-for-investment
(increase) decrease in accrued interest receivable
increase (decrease) in other liabilities
net cash provided by financing activities
transfer of investment securities from held-to-maturity to available-for-sale
increase in cash surrender value of bank-owned life insurance																																				-615,000
transfer of loans held-for-sale to loans held-for-maturity
principal paydowns on loans held-for-sale																																		1,677,000
securities held-to-maturity:
noncash activities:
loans transferred to other real estate owned																																		580,000
transfer of loans held-for-sale to loans held-to-maturity																																		7,159,000
provision for loan and lease losses																																			25,200,000	6,750,000
cash acquired in acquisition
secondary offering and issuance of common stock
transfer of loans to loans held-for-sale
transfer of investment securities from held-to-maturity to available-for sale
adjustments to reconcile net income to net cash provided by operating activities:
gains on sale of loans held for sale
proceeds from sale of loans held for sale
net cash provided by operating activities
net cash used in investing activities
cash flows from operating activities:
amortization of premiums and accretion of discounts on investment securities
depreciation and amortization																																					1,217,000	399,000	475,000	506,000	442,000	409,000	433,000	432,000	418,000	417,000	511,000	458,000	452,000	431,000	497,000	446,000	405,000
cash flows from investing activities:
cash flows from financing activities:
advances in fhlb borrowings
net decrease in repurchase agreements
tax benefit from options exercised
net cash provided (used in) by financing activities
supplemental disclosures of non-cash investing activities:
dividends declared, not paid
stock based compensation expense																																						22,000
benefit from loan losses																																						1,421,000	425,000	465,000	521,000	150,000	150,000	100,000
benefit from deferred taxes																																						57,000
net gain on investment securities available for sale																																						-600,000
decrease (increase) in other assets																																						2,637,000
amortization of premium and accretion of discount on investment securities																																						10,000	29,000	23,000			63,000	20,000	38,000	41,000	21,000	34,000	59,000	96,000	108,000	123,000	117,000
proceeds from maturities of investment securities available-for-sale																																						6,475,000	16,559,000	6,350,000	415,000	29,378,000	41,320,000	25,206,000	57,969,000	61,876,000	40,372,000	77,451,000	73,831,000	28,761,000			114,653,000
net redemptions (purchases) of restricted investment in bank stock																																						2,000
proceeds from sales of investment securities available-for-sale																																						56,458,000		263,511,000	14,354,000	8,626,000	14,660,000	407,000	18,070,000	23,194,000	58,818,000	23,939,000	18,636,000	86,625,000	11,244,000	27,867,000	20,316,000
purchase of securities available-for-sale																																						-88,601,000	-15,320,000	-298,316,000	8,531,000	-10,794,000	-28,735,000	-4,811,000	-72,657,000	-98,035,000	-84,316,000	-64,034,000	-122,663,000	-2,731,000	-79,409,000	-103,620,000	-104,256,000
proceeds from the sale of branch facility																																							0	0	0	2,414,000
net increase in short-term borrowings																																						-18,192,000					-45,363,000	15,439,000	11,764,000	9,835,000	19,356,000	7,262,000	-9,474,000	-30,246,000
proceeds from long term borrowings
payment on long term borrowings																																						-38,000
proceeds from issuance of preferred stock and warrants																																						10,000,000
cash dividends on common stock																																						-1,169,000
taxes related to stock based compensation																																						-57,000
net increase in cash and cash equivalents																																						75,603,000				-9,576,000	54,754,000	-9,086,000	-30,256,000	10,256,000	18,048,000	-20,920,000	25,278,000	2,614,000	-5,993,000	7,277,000	12,691,000
non cash investment activities:
trade date accounting settlements for investments
cash paid during year for:
benefit for deferred taxes
proceeds from restricted stock
net incomees (gains) on investment securities available-for-sale
net gains on sale of investment securities held-to-maturity
net income on fixed assets
net income on sale of oreo
life insurance death benefit																																							0
proceeds from maturities, calls and paydowns of securities held to maturity																																											0	2,108,000	4,835,000	2,263,000	5,293,000	1,300,000	1,842,000	2,358,000
net redemptions (purchases) from restricted investment in bank stock
proceeds from calls/sales of investment securities available-for-sale
proceeds from calls/sales of investment securities held to maturity																																												0
purchase of securities held to maturity																																											0	0	0	-2,000,000	0				-10,340,000	2,856,000	-33,417,000
proceeds from sales of premises and equipment
proceeds from the sale of oreo
net decrease in short-term borrowings
proceeds from long-term borrowings
payments on long-term borrowings
redemption of subordinated debentures
cash dividends
tax benefit from stock based compensation
cash and cash equivalents at beginning of year																																										70,031,000	0	0	0	44,363,000					0	0	12,033,000
cash and cash equivalents at end of year																																										60,455,000	54,754,000	-9,086,000	-30,256,000	54,619,000	18,048,000	-20,920,000	25,278,000	21,957,000	-5,993,000	7,277,000	24,724,000
trade date accounting settlement for investments																																									-2,565,000	6,117,000				5,969,000
transfer of loans to real estate owned
reclassification of held-to-maturity investment securities to available-for-sale
reclassification of office building from premises to other assets
net gain on calls/sale of investment securities held to maturity
net income on premises and equipment and oreo																																								0
proceeds on premises and equipment																																								0
proceeds from life insurance death benefit
net increase in short-term borrowings and securities sold under agreements to repurchase																																								-18,502,000	598,000	20,797,000
proceeds from fhlb advances																																								20,000,000	0	35,000,000	35,000,000
payment on fhlb advances																																								-37,000	-37,000	-37,000	-4,117,000	-19,689,000	-10,097,000	-1,097,000	-15,410,000	-11,829,000	-25,094,000	-42,094,000
dividends paid																																								-1,163,000	-1,175,000	-1,168,000		-1,261,000	-1,258,000	-1,195,000	-1,196,000	-1,201,000	-1,201,000	-1,210,000	-1,376,000	-1,038,000	-895,000
exercise of stock options																																								30,000	0	193,000	584,000								16,000
net decrease in cash and cash equivalents																																								-220,000
net gains on sale of investment securities available for sale
net gains on calls/sale of investment securities held to maturity
net purchases of restricted investment in bank stock																																									-289,000	-1,569,000
noncash investment activities:
net gains on sale of investment securities
decrease (increase) in accrued interest receivable																																										40,000					320,000	-327,000	180,000	770,000
net (gains) losses on sale of investment securities available-for-sale																																											57,000	-14,000	233,000	-588,000
net (purchases) proceeds from restricted investment in bank stock
proceeds from sales of investment securities held to maturity
property and equipment expenditures																																											-164,000	332,000	-477,000	127,000	-690,000	-625,000	-587,000	-316,000	-688,000	-504,000	-340,000
cash consideration paid to acquire red oak bank
cash and cash equivalents acquired from red oak bank
cash dividends paid
(redemption)/issuance of common stock
tax benefits from stock based compensation
supplemental disclosures of cash flow information at date of acquisition:
goodwill and deposit intangible
liabilities assumed																																																			0
common stock issued for the red oak bank acquisition
net sales of restricted investment in bank stock
proceeds from issuance of common stock																																															-536,000	448,000					415,000
net (gains) on calls/sale of investment securities held to maturity
net (purchases) sales of restricted investment in bank stock																																													-467,000	-27,000
net decrease (increase) in loans																																																		5,258,000
(expense) proceeds from issuance of common stock																																													0	-10,000
net incomees (gains) on sale of investment securities available-for-sale
losses (gains) on sales of investment securities available-for-sale																																																-212,000	-77,000	3,655,000
proceeds (purchase) of fhlb and frb stock																																																27,000
cash and cash equivalents acquired from red oak
cash consideration paid to acquire red oak
excess tax benefits from stock based compensation
supplemental disclosures of cash flow information at date of acquisition of red oak bank:
goodwill and core deposit intangible																																																			-17,000
common stock issued for the red oak bank, acquisition
purchase of fhlb and frb stock																																																		2,703,000	-380,000
proceeds from issuance of common stock and stock options																																																		43,000
interest paid on deposits and short term borrowings																																																		6,712,000
gains on sale of investment securities available-for-sale																																																			-326,000	-23,000	-13,000
decrease/(increase) in other assets
(decrease)/increase in other liabilities
proceeds from maturities and paydown of securities afs
proceeds from maturities of investment securities held to maturity																																																			15,954,000	3,912,000	4,413,000
net increase in short term borrowings																																																			37,737,000
payments on fhlb advances																																																			-40,813,000
interest paid on deposits and short-term borrowings																																																			6,467,000	5,558,000	4,295,000
supplemental disclosures of cash flow information: at date of acquisition
non cash investing activities:																																																			0
proceeds form maturities and paydown of securities afs
net cash (used in) investing activities
proceeds form fhlb advances
proceeds form issuance of common stock
proceeds (purchase) of fhlb and frb stock net,																																																					235,000
net increase in borrowings																																																					35,125,000
increase in fhlb advances																																																					-10,000,000
adjustments to reconcile net income to net cash
provided by operating activities:
(purchase) redemption of fhlb and frb stock
issuance of subordinate debentures

ConnectOne Bancorp, Inc(NASDAQ:CNOB)

ConnectOne Bancorp, Inc
(NASDAQ:CNOB)