CUBI Stock Cash Flow Statements

Customers Bancorp Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Customers Bancorp Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	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	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30

cash flows from operating activities
net income	60,939,000	12,912,000																	56,246,000	50,515,000	22,717,000	3,100,000	27,526,000	27,066,000	9,295,000	15,440,000	17,862,000	6,029,000	23,662,000	24,142,000	21,615,000				21,189,000	19,430,000	17,699,000	15,289,000	11,556,000	13,952,000	8,268,000	8,226,000	7,189,000		6,504,000	3,112,000	3,228,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses	20,781,000	28,297,000	21,194,000	17,066,000	18,121,000	17,070,000	13,523,000	17,856,000
depreciation and amortization	11,643,000	15,639,000	9,094,000	9,749,000	6,463,000	8,246,000	7,587,000	7,657,000	7,736,000	8,833,000	7,130,000	6,700,000	7,272,000	6,055,000	5,446,000	5,486,000	5,414,000	5,321,000	7,980,000	7,548,000	7,603,000	7,406,000	7,712,000	6,283,000	4,597,000	4,287,000	3,922,000	3,519,000	3,372,000	3,344,000	3,325,000
share-based compensation expense	4,406,000	4,246,000	3,713,000	3,651,000	3,181,000	3,890,000	2,537,000	3,530,000	3,513,000	3,005,000	3,448,000	3,351,000	3,633,000	3,718,000	2,666,000	3,549,000	4,563,000	3,082,000	3,409,000	2,196,000	3,815,000	3,463,000	2,562,000	2,389,000	2,519,000	2,381,000	3,145,000	2,211,000	2,166,000	2,218,000	1,790,000
deferred taxes	13,968,000	-24,941,000	-446,000	-168,000	-253,000	-276,000	178,000	19,233,000	-15,890,000	18,656,000	7,343,000	18,366,000	4,008,000	-22,810,000	10,703,000	3,557,000	9,692,000	-6,198,000	8,222,000	1,916,000	-5,817,000	-22,287,000	5,815,000	9,382,000	-2,559,000	1,878,000	3,065,000	2,066,000	1,488,000	2,684,000	14,534,000	2,874,000	-2,304,000	-284,000	-2,821,000	-2,598,000	573,000	-4,104,000	-1,936,000	-1,540,000	-6,000	0	1,000	-1,300,000	1,000	187,000
net amortization (accretion) of investment securities premiums and discounts	-1,048,000	-725,000	-1,202,000	1,408,000	-2,403,000	-2,286,000	-2,723,000	-3,081,000	-3,096,000	-2,682,000	-657,000	425,000	796,000	918,000	713,000	722,000	463,000	-14,000	6,000	-85,000	-615,000	251,000																						2,704,000	154,000	39,000
unrealized (gain) loss on investment securities	0	-160,000	418,000	-393,000	24,000	45,000	-259,000			-62,000	-28,000	259,000	203,000	276,000	0	0	-1,746,000	-974,000	-1,387,000	-238,000	-1,200,000	1,378,000	-311,000
impairment loss on debt securities
impairment loss on equity securities
net (gain) loss on sale of investment securities			26,260,000	0	719,000	30,000	145,000
unrealized gain on equity method investments			-389,000	0
unrealized (gain) loss on derivatives	-802,000	-712,000	-767,000	-369,000	-59,000	-661,000		-205,000	-191,000	52,000	-43,000	-563,000	-821,000	-964,000	-586,000	-524,000	439,000	-2,537,000
(gain) loss on sale of leased assets under lessor operating leases				-33,000				237,000				33,000				631,000
fair value adjustment on loans held for sale	-289,000	667,000	147,000												0	0	0	-1,115,000
fair value adjustment on loans held for investment
net (gain) loss on sale of loans and leases	0	-2,000	852,000
origination and purchases of loans held for sale	-118,000,000	-299,808,000	-327,040,000	-339,225,000	-354,311,000	-340,536,000	-336,264,000	-160,728,000	-123,671,000	-185,919,000
proceeds from the sales and repayments of loans held for sale	139,815,000	326,356,000	396,157,000	296,522,000	333,336,000	322,413,000	145,621,000	141,182,000	207,539,000	106,146,000
amortization (accretion) of loan net deferred fees, discounts and premiums	-7,251,000	-4,365,000	-5,906,000	-4,771,000	-9,442,000	-7,367,000	-16,565,000	-41,842,000	-9,135,000	-23,039,000	-3,914,000	-9,162,000	-12,532,000	-27,907,000	-73,046,000
earnings on investment in bank-owned life insurance	-2,249,000	-4,660,000	-2,125,000	-2,049,000	-2,007,000	-3,261,000	-2,160,000	-1,973,000	-4,997,000	-2,647,000	-1,975,000	-3,449,000	-1,947,000	-8,326,000	-1,984,000	-1,988,000	-2,765,000	-1,679,000	-1,744,000	-1,746,000	-1,757,000	-1,762,000	-1,795,000	-1,824,000	-1,837,000	-1,816,000	-1,851,000	-1,869,000	-1,869,000	-2,031,000	-1,922,000	-1,673,000	-2,257,000	-1,367,000	-1,386,000	-1,120,000	-1,123,000	-1,177,000	-1,169,000	-1,061,000
increase in accrued interest receivable and other assets	13,935,000	-10,470,000	-43,606,000	-12,483,000	-33,312,000	-10,576,000	22,667,000	71,735,000	-69,886,000	-932,000	-20,474,000	-35,643,000	-14,329,000	66,855,000	1,064,000	-10,248,000	34,860,000	20,979,000	28,545,000	-16,053,000	-14,469,000	-93,856,000	-4,842,000	-15,988,000	-35,202,000	-28,109,000	-13,089,000	-13,668,000	-1,051,000	-6,806,000	-4,394,000	-17,244,000	-2,824,000	-7,794,000	-7,471,000	-9,897,000	-21,304,000			-3,259,000	-396,000	-3,316,000	-176,000			-174,000
increase in accrued interest payable and other liabilities	25,917,000	528,000	28,440,000	-6,547,000	480,000	-55,207,000	-14,659,000	-5,126,000	20,401,000	18,064,000	-37,074,000	45,764,000	-23,244,000	-6,440,000	-33,310,000	21,193,000	-20,577,000	135,679,000	-43,179,000	-6,665,000	49,301,000	39,004,000	-300,000	-1,200,000	21,598,000	-5,096,000	-15,893,000	12,713,000	5,714,000	7,347,000	-2,581,000	-4,920,000	-5,971,000	-3,215,000	52,341,000	10,539,000	4,254,000			3,574,000			778,000
net cash from operating activities	162,154,000	94,121,000	133,402,000	24,398,000	6,075,000	-18,818,000		136,101,000	89,467,000	17,538,000						0	0	-22,791,000	59,557,000	33,891,000	74,718,000	-35,141,000	43,597,000	31,554,000	9,141,000	-6,012,000	-891,000	170,224,000	-23,753,000	-48,106,000	199,711,000	201,995,000	-14,463,000	-1,643,000	-37,190,000	-312,992,000	-178,503,000	282,631,000	-258,490,000	-324,412,000	551,334,000	-51,363,000	88,039,000	-889,239,000	-108,930,000	4,096,000	54,695,000
cash flows from investing activities
proceeds from maturities, calls and principal repayments of investment securities available for sale	67,962,000	99,521,000	171,222,000	198,304,000	146,343,000	113,323,000	94,795,000	72,206,000	86,649,000	69,648,000	56,014,000	58,750,000																													5,564,000	4,350,000	4,902,000	2,945,000
proceeds from maturities, calls and principal repayments of investment securities held to maturity	86,522,000	69,058,000	74,159,000	74,547,000	70,464,000	72,327,000	76,541,000	81,610,000	50,073,000	44,213,000	45,876,000	8,559,000
proceeds from sales of investment securities available for sale			384,070,000	159,000	218,718,000	21,970,000	293,342,000				301,942,000	126,668,000	399,011,000	155,954,000	23,833,000	258,436,000	53,672,000	353,915,000	10,043,000	268,560,000			0				0				70,752,000	582,469,000			5,000	0	2,848,000	314,000			0	0	0	0	257,645,000	48,965,000
purchases of investment securities available for sale	-350,082,000	-156,689,000	-179,988,000	-66,489,000	-270,406,000	-328,905,000					-427,600,000	-28,926,000	-86,582,000	-814,246,000	-2,202,418,000	-533,773,000	-300,312,000	-589,874,000	-177,568,000	-743,935,000	-121,628,000	-158,782,000					0	0	-7,000,000	-756,242,000	0	-152,583,000	-105,467,000	-538,544,000	0	0	-5,000,000	-62,358,000			-320,965,000	-34,150,000	-35,620,000	0
purchases of investment securities held to maturity	0	-14,022,000	-111,000				0	0	0	-73,074,000																																		0
purchases of equity method investments			-140,000	0
origination of mortgage finance loans	-6,833,200,000	-5,329,199,000	-5,652,456,000	-6,108,662,000	-5,449,515,000	-4,936,887,000
proceeds from repayments of mortgage finance loans	6,681,785,000	5,287,252,000	5,579,087,000	5,863,833,000	5,397,709,000	4,880,422,000
net increase in loans and leases, excluding mortgage finance loans	-123,599,000	-337,435,000	-529,157,000	-262,379,000	-292,876,000	16,634,000
proceeds from sales of loans and leases	0	1,081,000	577,000	10,718,000			0	12,396,000				102,201,000	20,438,000	14,281,000		130,350,000	90,967,000	39,534,000
purchases of loans	-75,980,000	-106,020,000	-77,171,000	-70,578,000	-43,241,000	-7,403,000	-6,788,000	-101,735,000	-588,124,000	-12,550,000
purchases of bank-owned life insurance	0	-1,462,000													0	0															0	-40,000,000	0	-50,000,000				0	0	-15,000,000	-17,500,000	-465,000	-10,000,000	0
proceeds from bank-owned life insurance	532,000	5,102,000	0	2,547,000	2,387,000	176,000	0	1,418,000	54,500,000	727,000	0	2,286,000	3,671,000	5,850,000	0	0											0	0	0	529,000	0	0												0
net (purchases of) proceeds from sale of fhlb, federal reserve bank, and other restricted stock	-3,832,000	-544,000		-2,759,000	8,786,000	9,481,000		377,000	-1,507,000	-50,537,000		11,747,000
purchases of bank premises and equipment	-86,000	-686,000	-499,000	-256,000	-318,000	-418,000	-69,000	-367,000	-24,000	-130,000	-3,459,000	-267,000	-46,000	-274,000	-195,000	-106,000	-14,000	-298,000	-511,000	-4,017,000	-87,000	-127,000	3,692,000	-5,052,000	-204,000	-141,000	-433,000	-736,000	-340,000	-268,000	-410,000	-451,000	-1,079,000	-195,000	-1,158,000	-520,000	-1,665,000	-640,000	-970,000	-829,000	-1,396,000	-1,054,000	-290,000	-785,000	-1,152,000	-406,000	-996,000
proceeds from sale of other real estate owned				0	46,000	33,000
proceeds from sales of leased assets under lessor operating leases	3,794,000	413,000	3,911,000	852,000	13,630,000	94,000	26,000	1,946,000	456,000	113,000	4,596,000	562,000			4,617,000	-631,000
purchases of leased assets under lessor operating leases	-23,413,000	-16,398,000	-32,397,000	-11,698,000	-15,594,000	-4,007,000	-20,495,000	-5,376,000	-12,805,000	-2,076,000	-22,504,000	-58,046,000	-25,821,000	-2,930,000	-15,647,000	-8,066,000	-3,776,000	-4,849,000	-12,692,000	-2,421,000	-2,627,000	-6,384,000	-21,313,000	-15,567,000	-3,881,000	-7,791,000
net cash from investing activities	-119,174,000	-500,028,000	-261,067,000	-386,705,000	-195,159,000	-163,160,000		397,066,000	795,461,000	804,645,000									661,569,000	-1,710,766,000	-4,942,255,000	-433,517,000	221,099,000	-452,210,000	-1,017,027,000	-196,297,000	184,993,000	752,770,000	-239,729,000	-802,132,000	378,896,000	-1,277,288,000	479,000	9,381,000	155,766,000	-228,588,000	-434,587,000	-245,557,000	-166,675,000	-686,000	-576,248,000	-259,686,000	-338,946,000	558,584,000	-157,551,000	117,087,000	-246,799,000
cash flows from financing activities
net increase in deposits	34,733,000	66,911,000	805,305,000	368,167,000	-281,273,000	41,501,000	-274,773,000	245,286,000	227,161,000	-435,823,000	634,515,000	577,719,000	529,159,000	-362,364,000	-193,101,000	3,097,086,000	1,401,499,000	1,162,511,000	470,852,000	-126,798,000	2,552,232,000	-235,293,000	-276,749,000	739,908,000	760,459,000	283,082,000	-1,371,478,000	1,217,760,000	253,495,000	242,317,000	-796,934,000	118,359,000	394,861,000	-219,919,000	637,711,000	272,644,000	569,116,000	308,042,000	583,843,000	360,789,000	467,621,000	239,904,000	95,031,000	418,351,000	125,709,000	221,071,000	1,226,000
proceeds from long-term borrowed funds from fhlb and frb	60,000,000	100,000,000	0	80,000,000			0	0	0	2,565,000,000
repayments of long-term borrowed funds from fhlb and frb	0	-100,000,000	-75,000,000	0			-340,000,000	-510,000,000	0	-1,015,000,000
redemption of preferred stock															0
preferred stock dividends paid	-3,414,000	-3,434,000	-3,646,000	-3,788,000	-3,909,000	-3,804,000	-3,813,000	-3,811,000	-3,562,000	-3,450,000	-2,952,000	-2,460,000	-2,091,000	-1,823,000	-2,039,000	-2,048,000	-3,345,000	-3,401,000	-3,415,000	-3,432,000	-3,614,000	-3,615,000	-3,615,000	-3,615,000	-3,614,000	-3,615,000	-3,615,000	-3,615,000	-3,614,000	-3,615,000	-3,615,000	-3,615,000	-3,614,000	-3,615,000	-2,340,000	-1,896,000	-1,214,000
purchase of treasury stock	0	-5,641,000						0	0	-39,806,000		0	-21,510,000	-6,310,000									0	0	0	-571,000
payments of employee taxes withheld from share-based awards	-2,465,000	-9,815,000	-302,000	-161,000	-3,563,000	-1,426,000	-4,000	-56,000	-93,000	-2,280,000	-815,000	-52,000	-441,000	-3,755,000	-1,367,000	-1,907,000	-306,000	-1,988,000	-920,000	-76,000	-135,000	-932,000	-366,000	-156,000	-316,000	-894,000		-11,000	-113,000	-587,000		-962,000	-1,789,000	-2,172,000
proceeds from issuance of common stock	488,000	645,000	250,000	734,000	296,000	481,000	2,788,000	164,000	105,000	55,000	86,000	123,000	116,000	208,000	16,102,000	3,845,000	1,131,000	6,684,000	288,000	225,000	185,000	225,000	614,000	242,000	222,000	1,072,000		227,000	2,847,000	344,000		212,000	184,000	1,716,000	5,716,000	244,000	607,000	102,000	519,000	109,000				94,762,000
net cash from financing activities	31,841,000	48,666,000	825,574,000	401,742,000	-463,449,000	36,752,000		-268,417,000	223,611,000	768,696,000									-359,188,000	940,961,000	5,678,635,000	512,385,000	-234,409,000	507,079,000	986,019,000	257,836,000	-788,001,000	-508,686,000	299,797,000	919,326,000	-651,764,000	1,039,665,000	-254,979,000	251,624,000	-155,784,000	581,738,000	611,135,000	-45,264,000	482,931,000	287,898,000	74,882,000	335,594,000	246,031,000	366,113,000	297,709,000	-103,929,000	212,844,000
net increase in cash and cash equivalents	74,821,000	-357,241,000	697,909,000	39,435,000	-652,533,000	-145,226,000	426,372,000	264,750,000	1,108,539,000	1,590,879,000		159,287,000	-29,422,000	-243,432,000		621,554,000	-84,864,000	-177,990,000	361,938,000	-735,914,000	811,098,000	43,727,000	30,287,000	86,423,000	-21,867,000	55,527,000	-603,899,000	414,308,000	36,315,000	69,088,000	-73,157,000	-202,210,000			-37,208,000			-8,190,000	57,766,000	-37,200,000	49,968,000	24,545,000	-4,876,000	35,458,000	31,228,000	17,254,000	20,740,000
cash and cash equivalents – beginning	0	3,785,931,000		0	0	3,846,346,000		0	0	455,806,000		0	0	518,032,000		0	0	693,354,000		0	0	212,505,000	0	0	0	62,135,000	0	0	0	146,323,000	0	20,000,000	0	244,709,000	0	0	264,593,000	0	0	371,023,000
cash and cash equivalents – ending	74,821,000	3,428,690,000		39,435,000	-652,533,000	3,701,120,000		264,750,000	1,108,539,000	2,046,685,000		159,287,000	-29,422,000	274,600,000		621,554,000	-84,864,000	515,364,000		-735,914,000	811,098,000	256,232,000	30,287,000	86,423,000	-21,867,000	117,662,000	-603,899,000	414,308,000	36,315,000	215,411,000	-73,157,000	-182,210,000	244,560,000	157,130,000	-37,208,000	40,158,000	262,638,000	-8,190,000	57,766,000	333,823,000
non-cash investing and financing activities:
transfer of loans held for investment to held for sale			468,000	30,920,000			0	52,611,000	240,465,000	16,000,000		-28,000				-10,669,000	-16,434,000	44,258,000		-714,000
transfer of loans held for sale to held for investment	1,196,000	135,815,000	1,971,000	2,016,000	2,336,000	858,000	786,000	0								0												0	0	129,691,000
transfer of loans to other real estate owned																				0	0	31,000			131,000	160,000		177,000	0	57,000					13,000	272,000	320,000	793,000	2,246,000	159,000	4,835,000	3,489,000	1,935,000	3,352,000	2,559,000	2,382,000
impairment loss on investment securities		51,319,000																													0	8,349,000	2,882,000	1,703,000
net income from continuing operations			26,915,000	46,743,000	58,085,000	49,726,000	62,092,000	86,756,000	47,574,000	53,721,000	28,711,000	63,912,000	58,650,000	76,761,000	102,254,000	116,042,000	61,341,000	74,631,000															28,952,000	26,924,000
adjustments to reconcile net income to net cash from continuing operating activities:
impairment loss on fixed assets and leases							0	0	15,000	109,000	0	162,000
settlement of terminated fair value hedge derivatives							0	0	0	4,630,000
loss on sale of capital call lines of credit							0	0
loss on sale of consumer installment loans											0
net (purchases of) proceeds from sales of fhlb, federal reserve bank, and other restricted stock
proceeds from sale of fixed assets							0
proceeds from sales of other real estate owned															0	0			20,000	0	0	77,000	0				1,792,000	393,000			0	998,000	232,000	450,000	109,000	224,000	86,000	1,141,000	2,812,000	1,619,000	1,983,000	2,154,000	445,000	3,361,000	1,178,000	2,844,000	195,000
net increase in short-term borrowed funds from the fhlb											300,000,000	-135,000,000	135,000,000	-700,000,000	700,000,000	0						410,000,000	-190,800,000	-221,300,000	-113,732,000	-222,238,000	413,070,000	-1,554,797,000	137,182,000	640,755,000	149,517,000	-537,257,000	793,050,000	337,750,000		223,200,000	-16,600,000	-402,100,000
net increase in federal funds purchased											-365,000,000	-405,000,000	70,000,000	625,000,000	75,000,000	0	-365,000,000	115,000,000	-430,000,000	680,000,000	-705,000,000	167,000,000	165,000,000	-33,000,000	18,000,000	201,000,000	187,000,000	-105,000,000	-90,000,000	40,000,000	8,000,000	-3,000,000	-65,000,000	132,000,000			10,000,000
repayments of other borrowings											0	0											0	0
purchases of treasury stock
cash and cash equivalents – beginning balance
cash and cash equivalents – ending balance
supplementary cash flow information:
interest paid																						42,167,000			46,644,000	38,916,000		41,811,000	43,416,000	29,746,000		25,723,000	27,968,000	17,015,000	17,273,000	20,119,000	13,018,000	10,826,000	14,752,000	10,550,000	6,313,000	5,572,000	5,383,000	5,341,000	5,649,000	5,267,000
income taxes paid																						661,000			1,801,000	1,204,000		-18,000	0	4,174,000		9,830,000	19,367,000	2,348,000	17,427,000	7,750,000	15,789,000	12,772,000	14,625,000	2,762,000	2,169,000	5,237,000	337,000	7,770,000	2,266,000	2,589,000
noncash investing and financing activities:
transfer of investment securities available for sale to held to maturity												0
purchases of investment securities held to maturity upon sale of consumer installment loans			0				0	0
net increase in short-term borrowed funds from fhlb								0	0	-300,000,000
repayments of other long-term borrowings
net (gain) loss on sale of loans
(gain) loss on sale of loans						-68,000	-2,000	244,000			-83,000	-289,000	-1,790,000	-2,070,000	-2,788,000
loss on sale of foreign subsidiaries															0	0
loss on cash flow hedge derivative terminations															0	0	0	24,467,000
settlement of terminated cash flow hedge derivatives															0	0	0	-27,156,000
net cash from continuing operating activities											-295,847,000	108,998,000	49,084,000	116,940,000	21,016,000	-14,801,000	88,941,000	200,384,000
proceeds from sales of foreign subsidiaries															0
origination of mortgage warehouse loans							-4,671,419,000	-5,280,641,000	-5,401,925,000	-4,702,988,000	-5,397,386,000	-7,104,182,000	-8,526,235,000	-7,938,526,000	-10,742,121,000	-12,893,188,000	-14,401,135,000	-16,998,093,000	-19,183,320,000	-18,190,825,000	-13,782,142,000	-9,791,820,000	-9,615,025,000	-9,921,046,000	-7,206,674,000	-5,039,797,000	-5,469,586,000
proceeds from repayments of mortgage warehouse loans							4,698,814,000	5,314,353,000	5,657,453,000	4,794,683,000	5,647,684,000	7,380,313,000	8,392,357,000	8,475,173,000	11,009,192,000	13,194,038,000	14,950,553,000	17,211,909,000	19,476,245,000	17,072,974,000	13,512,300,000	9,520,758,000	9,851,861,000	9,424,982,000	6,659,040,000	4,965,022,000	5,580,493,000
net increase in loans and leases, excluding mortgage warehouse loans							680,679,000	296,698,000	553,608,000	736,616,000	-293,209,000	-346,892,000	-1,452,714,000	159,706,000	1,131,671,000	1,825,679,000	-818,198,000	-486,158,000	512,480,000	-218,000,000	-4,690,068,000	174,971,000	245,826,000	15,857,000	-24,597,000	1,932,000
net proceeds from sales of (purchases of) fhlb, federal reserve bank, and other restricted stock
net cash from continuing investing activities											-213,304,000	14,959,000	-1,188,739,000	88,672,000	-1,120,386,000	1,388,942,000	-943,163,000	-526,654,000
net increase in borrowed funds from ppp liquidity facility																			-395,993,000
proceeds from issuance of other long-term borrowings															0								-523,000
proceeds from sale of non-controlling interest in bmt															0	0	3,670,000	23,125,000
net cash from continuing financing activities											560,492,000	35,330,000	1,110,233,000	-449,044,000	566,933,000	-752,587,000	769,358,000	171,071,000
net increase in cash and cash equivalents from continuing operations											51,341,000	159,287,000	-29,422,000	-243,432,000	-532,437,000	621,554,000	-84,864,000	-155,199,000
discontinued operations:
net increase in cash and cash equivalents from discontinued operations																0	0	-22,791,000
distribution of investment in bm technologies common stock																0	0	32,983,000
benefit for credit losses										19,603,000	28,216,000	-7,994,000	23,847,000	15,997,000
proceeds from sale of loans and leases
proceeds from long-term borrowed funds from the fhlb											0												0	0
adjustments to reconcile net income to net cash from continuing operating activities
(gain) loss on sale of investment securities												2,135,000	3,029,000	1,063,000	49,000	-6,063,000	-1,812,000	-23,566,000	-43,000	-11,707,000	-4,354,000	-3,974,000	0												1,000
origination of loans held for sale												-7,880,000	-9,198,000	-10,999,000	-18,859,000	-26,199,000	-16,571,000	-12,323,000	-23,887,000	-28,211,000	-15,684,000	-7,046,000	-12,284,000	-13,608,000	-13,970,000	-8,182,000	-8,721,000	14,249,197,000	-7,463,718,000	-6,808,457,000	-7,354,701,000	-8,056,446,000	-8,313,275,000	-6,401,005,000	-9,950,000,000	-10,266,114,000	-6,876,748,000	-8,058,087,000	-8,463,484,000	-6,627,070,000				-5,945,663,000	-858,537,000	-501,139,000	-557,150,000
proceeds from the sale of loans held for sale												9,406,000	9,990,000	24,813,000	15,567,000	20,564,000	11,988,000	17,122,000	25,990,000	25,264,000	13,797,000	7,948,000	11,340,000	16,524,000	11,366,000	8,225,000	8,740,000	-14,111,995,000	7,407,600,000	6,728,331,000	7,522,650,000	8,197,934,000	7,893,674,000	6,834,060,000	9,847,150,000	9,932,876,000	6,693,763,000	8,327,348,000	8,190,819,000	6,285,952,000	5,229,675,000	6,353,872,000	6,113,541,000	5,041,313,000	750,870,000	500,270,000	587,425,000
proceed from sales of foreign subsidiaries
purchase of loans												-137,814,000	-24,632,000	-206,330,000	-517,710,000	-652,176,000	-620,300,000	-117,036,000	-44,461,000	-15,402,000	-17,733,000	-193,363,000	-531,051,000	-80,779,000	-426,298,000	-129,289,000	-50,148,000	-69,232,000			0	0	-90,802,000	-171,839,000
net increase in borrowed funds from frb ppp liquidity facility																-3,865,865,000	581,709,000	-1,130,860,000
unsettled purchases of investment securities																150,000,000	-46,620,000	56,620,000				97,247,000
adjustments to reconcile net income to net cash from by continuing operating activities:
net increase in long-term borrowed funds from the fhlb
proceeds from maturities, calls and principal repayments of investment securities														224,809,000		85,668,000	110,402,000	62,348,000		78,274,000	54,406,000	24,079,000
net proceeds from sale of fhlb, federal reserve bank, and other restricted stock														15,205,000
benefit from credit losses on loans and leases															13,890,000
loss upon acquisition of interest-only gnma securities																							0	0
proceeds from maturities, calls and principal repayments on investment securities
proceeds from issuance of subordinated long-term debt
net proceeds from sale of (purchases of) fhlb, federal reserve bank, and other restricted stock																-17,289,000	29,525,000	1,948,000		20,636,000
transfer of multi-family loans held for sale to held for investment
benefit for credit losses on loans and leases																	3,291,000	-2,919,000
(gain) loss on sale of sba and other loans																	-2,185,000	-2,071,000	-3,752,000	620,000	-256,000	-170,000		-298,000	-166,000	-138,000
amortization (accretion) of fair value discounts and premiums																	-426,000	-345,000	-275,000	-969,000	-759,000	-378,000												27,000
non-cash operating and investing activities:
unsettled sales of investment securities																					-70,854,000	104,469,000
net increase in short-term borrowed funds from the frb																						175,000,000
impairment of software
net (gain) loss on sales of other real estate owned																			54,000	0	0	-4,000	0										-60,000	-103,000
valuation and other adjustments to other real estate owned																							31,000	0			29,000	46,000	37,000	41,000									-651,000	343,000
net proceeds from (purchases of) fhlb, federal reserve bank, and other restricted stock																						-2,926,000				9,269,000	-15,479,000									-19,149,000	-1,428,000	14,634,000	3,650,000	204,000
purchases of university relationship intangible asset
exercise of warrants																											0	0	0	112,000	502,000
benefit from credit losses on loan and lease losses																				12,956,000	20,946,000	31,786,000
acquisition of interest-only gnma securities securing a mortgage warehouse loan
acquisition of residential reverse mortgage loans securing a mortgage warehouse loan
proceeds from borrowed funds from ppp liquidity facility
supplementary cash flow information
benefit from loan and lease losses																							9,688,000	4,426,000	5,346,000	4,767,000																			2,738,000	1,800,000
net amortization of investment securities premiums and discounts																							325,000	270,000	230,000	191,000	199,000	391,000	438,000	375,000	182,000	288,000	121,000	111,000	240,000	219,000	205,000	219,000	193,000	211,000	140,000	120,000	108,000				139,000
amortization of fair value discounts and premiums																							332,000	329,000	70,000	162,000	30,000	79,000	9,000	76,000	-5,000	-5,000
proceeds from sale of loans
proceeds from sales of loans																												13,173,000	12,570,000	16,468,000		11,776,000	7,479,000	105,448,000	74,341,000	10,581,000	6,946,000	43,359,000	7,479,000	141,437,000
net proceeds from fhlb, federal reserve bank, and other restricted stock
purchase of university relationship intangible asset
unrealized (gain) loss on equity securities																									347,000	-2,000
proceeds from maturities, calls and principal repayments of securities available for sale																									7,118,000	4,498,000		12,710,000	14,727,000	11,489,000		13,618,000	11,062,000	11,781,000	17,124,000	16,071,000	12,902,000	17,094,000	23,133,000	20,739,000
net purchases of fhlb, federal reserve bank, and other restricted stock																																	-44,471,000	-16,810,000
supplementary cash flows information:
non-cash items:
university relationship intangible purchased not settled																													0	1,502,000
benefit from loan losses, net of change to fdic receivable and clawback liability																															831,000	2,352,000	535,000	3,050,000	88,000	786,000	1,980,000	2,094,000
unrealized loss recognized on equity securities																											101,000	1,237,000
gain on sale of investment securities																											0					-5,349,000					-26,000	16,000			0	0	0	0	-8,797,000	-209,000	-1,318,000
gain on sale of sba and other loans																											-33,000	-1,308,000	-1,095,000	-1,477,000	-1,345,000
decrease in fdic loss sharing receivable net of clawback liability
net income on sales of other real estate owned																															0				5,000	65,000	15,000	175,000	-107,000	441,000	74,000
proceeds from maturities, calls and principal repayments on investment securities available for sale																																														2,195,000
net decrease (increase) in loans																																														24,310,000
payments to the fdic on loss sharing agreements
purchases of leased assets under operating leases
acquisition and purchase of intangible assets
proceeds from long-term fhlb borrowings																																			0	50,000,000	25,000,000	0	0	25,000,000
repayments of long-term debt
proceeds from issuance of long-term debt
net proceeds from issuance of preferred stock																																			82,279,000	55,593,000	24,108,000	0
payment of employee taxes withheld from share-based awards
net proceeds from issuance of common stock
benefit from loan losses																												2,924,000	-784,000	2,117,000											750,000	4,620,000	1,100,000				2,900,000
net increase in loans, excluding mortgage warehouse loans
purchase of leased assets under operating leases																												-15,363,000	-3,731,000	-2,755,000
(repayments of) proceeds from issuance of long-term debt
net gain on sales of other real estate owned																																											-29,000
net increase in loans																													28,289,000	-46,969,000	-39,323,000	-338,478,000	-195,502,000	-387,069,000	26,310,000	-218,447,000	-448,956,000	-260,538,000	-197,076,000	-148,554,000	-261,391,000	-235,636,000	-141,965,000
net proceeds from issuance of long-term debt																																-10,000
unrealized gain recognized on equity securities																														-10,000
net (purchases of) proceeds from fhlb, federal reserve bank, and other restricted stock																														-24,384,000	-7,307,000
supplementary cash flows information
decrease (increase) in fdic loss sharing receivable net of clawback liability																																			0
valuation and other adjustments to other real estate owned, net of fdic receivable																															0	67,000	208,000	23,000	1,068,000	23,000	170,000
(payments to) reimbursements from the fdic on loss sharing agreements																																			-1,381,000					-302,000
acquisition of disbursements business
transfer of loans held for investment to loans held for sale																																-120,000
cash flows from operating activities of continuing operations
benefit from depreciation and amortization																																	1,086,000	1,307,000	1,995,000	1,173,000	970,000	966,000	1,035,000	1,033,000	836,000	651,000	628,000	760,000	239,000	448,000	408,000
share-based compensation																																	1,512,000	1,641,000	1,819,000	1,705,000	1,689,000	1,357,000	1,339,000	1,416,000
gain on sale of mortgages and other loans																																	-762,000	-1,421,000	-1,485,000	-379,000	-810,000	-1,041,000	-828,000	-1,266,000
net cash from operating activities of continuing operations																																	-401,595,000	453,657,000
cash flows from investing activities of continuing operations
net cash from investing activities of continuing operations																																	-301,148,000	-1,046,778,000
cash flows from financing activities of continuing operations
exercise and redemption of warrants																																	0	420,000	50,000	953,000	118,000
net cash from financing activities of continuing operations																																	1,216,266,000	246,180,000
net increase in cash and cash equivalents of continuing operations
net cash from discontinued operations
net decrease in cash and cash equivalents of continuing operations																																		-346,941,000
net cash flows from discontinued operations																																		259,362,000
net decrease in cash and cash equivalents																																		-87,579,000			-1,955,000
net decrease in short-term borrowed funds from the fhlb
acquisition of disbursement business
net decrease in federal funds purchased
increase in fdic loss sharing receivable net of clawback liability																																					304,000	1,394,000
amortization (accretion) of fair value discounts																																					-114,000	-1,426,000	600,000	32,000	-451,000				-1,328,000	1,374,000	-50,000
reimbursements from the fdic on loss sharing agreements																																					-320,000	1,437,000			3,006,000	758,000	2,370,000	3,866,000	1,324,000	118,000
purchase of loan portfolios
decrease (increase) in accrued interest receivable and other assets
decrease (increase) in accrued interest payable and other liabilities
benefit from loan losses, net of change to fdic receivable																																								2,964,000
increase in fdic loss sharing receivable																																								-134,000			-1,940,000	-3,796,000	449,000	-1,190,000
net increase in short-term borrowed funds																																								-98,000,000		-2,000,000	101,000,000	-147,000,000
loss contingency																																									0	0	2,000,000
gain on sale of loans																																										-358,000	-50,000	71,000
proceeds from sales of sba loans																																									376,000	3,464,000	436,000
net proceeds from stock offering																																									-183,000
issuance of common stock under share-based compensation arrangements
stock-based compensation																																									926,000	831,000	704,000	350,000	738,000	528,000
gain on sale of sba loans
origination/purchase of loans held for sale																																									-4,732,671,000	-6,409,695,000	-6,035,469,000
net increase in fdic loss sharing receivable																																									-239,000
impairment charges on other real estate owned																																									148,000	-76,000	89,000	468,000	-957,000	957,000
change in investment in bank-owned life insurance																																									-615,000	-567,000	-476,000	-402,000
proceeds from maturities and principal repayments of investment securities held to maturity																																									0	0	0
purchase of loan portfolio																																									0	0	-155,306,000				3,000,000
net proceeds from (purchases of) fhlb, federal reserve bank, and other stock
net decrease in short-term borrowed funds																																														-325,000,000
proceeds from fhlb borrowings																																									-15,000,000	0	50,000,000
proceeds from issuance of long-term debt, net of deferred costs of 2,914 at september 30, 2013
cash and cash equivalents - beginning																																									0
cash and cash equivalents - ending																																									49,968,000
transfer of held to maturity investments to available for sale																																									0			0
decrease in accrued interest payable and other liabilities																																												995,000	-1,684,000	-1,501,000
net (purchases of) proceeds from restricted stock																																										893,000	-3,918,000
amortization of fair value discounts																																											41,000
cash and cash equivalents — beginning																																											186,016,000	0	0	73,570,000
cash and cash equivalents — ending																																											181,140,000	35,458,000	31,228,000	90,824,000
securities purchased not settled																																											3,421,000
net income available to common shareholders
net cash proceeds from bank acquisition
purchases of restricted stock
payment of preferred dividend
berkshire bancorp, inc. acquisition:
assets acquired
liabilities assumed
net income on sale of other real estate owned
proceeds from sale of sba loans
proceeds from redemption (purchases of) restricted stock
net gain on sale of other real estate owned																																														-60,000
net increase in earnings on investment in bank owned life insurance																																														-346,000
proceeds from maturities, calls and principal repayments on investment securities held to maturity																																														38,203,000
proceeds on sale of sba loans
proceeds from bank owned life insurance
proceeds from (purchases of) restricted stock																																														858,000
non- cash items:
investment securities purchased but not settled
stock based compensation
bargain purchase gain on bank acquisitions
deferred income tax expense
impairment charges on investment securities
(gain) loss on sales of other real estate owned
earnings on investment in bank owned life insurance																																															-276,000
proceeds from maturities and principal repayments on investment securities held to maturity
sales of investment securities held to maturity
proceeds from (purchases of) bank owned life insurance
purchase of restricted stock																																															-6,338,000
proceeds and acquired cash in fdic assisted transactions
cash proceeds from acquisitions
payment of tarp preferred stock dividends
repayment of tarp
dividends on preferred stock
gain on sale of other real estate owned
increase in fdic loss sharing receivables
fair value adjustments on other real estate owned
stock-based compensation expense
(increase) in accrued interest receivable and other assets
increase in other liabilities
purchases of investment securities available-for-sale
purchases of investment securities held-to-maturity
proceeds from maturities and principal repayments on investment securities held-to-maturity
proceeds from maturities and principal repayments on investment securities available-for-sale
proceeds from sales of securities available-for-sale
net (increase) in loans
proceeds from the sale of sba loans
net cash proceeds from bank acquisitions
reimbursements under fdic loss sharing agreements
net increase in short-term borrowings
payment of preferred dividends
proceeds from issuance of common stock, net of issuance costs
income taxes (refund) paid
other real estate owned from bank acquisitions
loans from bank acquisitions
restricted stock from bank acquistions
fixed assets from bank acquisitions
bank owned life insurance from bank acquisitions
goodwill from bank acquisitions
deposits from bank acquisitions
preferred stock from bank acquisitions
common stock issued in bank acquisition
effect on common shares from reorganization
fair value adjustment for available for sale securities
acquisitions:
liabilitites assumed
see accompanying notes to the unaudited financial statements.
adjustments to reconcile net income to cash from operating activities:

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