Customers Bancorp, Inc
(NYSE:CUBI)

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. It operates in two segments, Customers Bank Business Banking and BankMobile. The company accepts various depo...

Website: http://www.customersbank.com

Founded: 1997

Full Time Employees: 881

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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At a glance:

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Quarterly

Annual

Unit: USD	2026-03-31	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	2011-06-30

interest income:
loans and leases	258,734,000	274,752,000	272,131,000	246,869,000	231,008,000	230,534,000	228,659,000	224,265,000	217,999,000	239,453,000	271,107,000	241,745,000	244,212,000	218,740,000	200,457,000	168,941,000	157,175,000	198,000,000	233,097,000	153,608,000	152,117,000	145,414,000	132,107,000	118,447,000	116,080,000	116,365,000	118,444,000	103,567,000	93,116,000
investment securities	32,141,000	31,979,000	36,091,000	37,381,000	34,339,000	39,638,000	46,265,000	47,586,000	46,802,000	51,074,000	54,243,000	48,026,000	47,316,000	42,953,000	30,546,000	25,442,000	20,295,000	15,202,000	8,905,000	8,327,000	7,979,000	6,777,000	6,297,000	6,155,000	4,977,000	5,124,000	5,867,000	6,481,000	6,241,000	6,277,000	8,495,000	9,765,000	8,672,000	4,136,000	7,307,000
interest earning deposits	41,830,000	44,862,000	49,639,000	39,972,000	42,914,000	48,147,000	44,372,000	45,506,000	52,817,000	44,104,000	43,800,000	27,624,000	10,395,000
loans held for sale	1,235,000	1,432,000	1,589,000	1,806,000	4,761,000	9,447,000	10,907,000	13,671,000	12,048,000	8,707,000	4,664,000	11,149,000	11,701,000																			21,002,000	19,052,000	20,294,000	21,633,000
other	2,372,000	2,173,000	2,029,000	1,973,000	1,887,000	2,140,000	1,910,000	3,010,000	2,111,000	2,577,000	2,526,000	1,616,000	1,321,000	-2,998,000	4,913,000	1,951,000	6,006,000	835,000	849,000	946,000	1,019,000	901,000	1,246,000	616,000	4,286,000	2,505,000	2,407,000	1,902,000	1,718,000	2,777,000	3,735,000	2,634,000	2,361,000	2,254,000	2,238,000	122,000
total interest income	336,312,000	355,198,000	361,479,000	328,001,000	314,909,000	329,906,000	332,113,000	334,038,000	331,777,000	345,915,000	376,340,000	330,160,000	314,945,000	269,647,000	235,916,000	196,334,000	183,476,000	214,037,000	242,851,000	162,881,000	161,115,000	153,092,000	139,650,000	125,218,000	125,343,000	123,994,000	126,718,000	111,950,000	101,075,000	103,302,000	110,045,000	107,639,000	96,964,000	97,618,000	98,285,000	14,697,000
interest expense:
deposits	126,126,000	131,797,000	141,983,000	134,045,000	131,308,000	144,974,000	155,829,000	148,784,000	153,725,000	150,307,000	145,825,000	136,375,000	143,930,000	124,366,000	65,380,000	22,781,000	13,712,000	15,415,000	15,915,000	15,653,000	15,658,000	16,106,000	18,347,000	23,238,000	34,353,000	35,992,000	38,267,000	35,980,000	31,225,000	34,029,000	32,804,000	24,182,000	19,793,000	18,648,000	18,381,000	5,646,000
fhlb advances	12,935,000	14,490,000	12,945,000	12,717,000	11,801,000	12,595,000	12,590,000	13,437,000	13,485,000	18,868,000	26,485,000	24,285,000	10,370,000	4,464,000	4,684,000	2,316,000		51,000	5,000	963,000	5,192,000	5,748,000	5,762,000	4,736,000	5,390,000	6,056,000	7,563,000	7,607,000	5,293,000	3,662,000	9,125,000	11,176,000	7,080,000	5,697,000	7,032,000
subordinated debt	4,621,000	3,355,000	3,251,000	3,229,000	3,212,000	3,349,000	3,537,000	2,734,000	2,689,000	2,688,000	2,689,000	2,689,000	2,689,000	2,688,000	2,689,000	2,689,000	2,689,000	2,688,000	2,689,000	2,689,000	2,689,000	2,689,000	2,689,000	2,689,000	2,689,000	1,930,000	1,684,000	1,684,000	1,684,000	1,684,000	1,684,000	1,684,000	1,684,000	1,684,000	1,685,000
federal funds purchased	13,000
other borrowings	1,266,000	1,128,000	1,388,000	1,307,000	1,142,000	1,167,000	1,612,000	1,430,000	1,493,000	1,546,000	1,568,000	1,540,000	1,771,000													2,259,750	3,469,000	2,000,000	3,569,000	2,404,000	2,431,000	3,275,000	3,376,000	3,289,000	3,168,000	137,000
total interest expense	144,961,000	150,770,000	159,567,000	151,298,000	147,463,000	162,085,000	173,568,000	166,385,000	171,392,000	173,409,000	176,567,000	164,889,000	165,046,000	134,510,000	76,884,000	31,482,000	18,777,000	20,343,000	22,959,000	24,124,000	28,384,000	30,146,000	32,211,000	33,236,000	44,022,000	46,402,000	50,983,000	47,271,000	41,771,000	41,779,000	46,044,000	40,317,000	31,933,000	29,318,000	30,266,000	5,790,000
net interest income	191,351,000	204,428,000	201,912,000	176,703,000	167,446,000	167,821,000	158,545,000	167,653,000	160,385,000	172,506,000	199,773,000	165,271,000	149,899,000	135,137,000	159,032,000	164,852,000	164,699,000	193,694,000	219,892,000	138,757,000	132,731,000	122,946,000	107,439,000	91,982,000	81,321,000	77,592,000	75,735,000	64,679,000	59,304,000	61,523,000	64,001,000	67,322,000	65,031,000	68,300,000	68,019,000	8,907,000
provision for credit losses	23,372,000	22,337,000	26,543,000	20,781,000	28,297,000	13,064,250	17,066,000	18,121,000	17,070,000	13,523,000	17,856,000	23,629,000	19,603,000	28,216,000	-7,994,000	23,847,000	15,997,000
net interest income after provision for credit losses	167,979,000	182,091,000	175,369,000	155,922,000	139,149,000	108,581,500	141,479,000	149,532,000	143,315,000	158,983,000	181,917,000	141,642,000	130,296,000	106,921,000	167,026,000	141,005,000	148,702,000
non-interest income:
commercial lease income	15,418,000	14,186,000	11,536,000	11,056,000	10,668,000	10,604,000	10,093,000	10,282,000	9,683,000	9,035,000	8,901,000	8,917,000	9,326,000	8,135,000	7,097,000	6,592,000	5,895,000	5,378,000	5,213,000	5,311,000	5,205,000	4,853,000	4,510,000	4,508,000	4,268,000	3,839,000	3,080,000	2,730,000	2,401,000
loan fees	10,506,000	7,420,000	11,443,000	9,106,000	7,235,000	8,639,000	8,011,000	5,233,000	5,280,000	5,926,000	6,029,000	4,271,000	3,990,000	4,017,000	3,008,000	2,618,000	2,545,000
bank-owned life insurance	3,084,000	2,189,000	2,165,000	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	1,836,000	1,816,000	1,851,000	1,869,000	1,869,000	2,031,000	1,922,000	1,672,000
mortgage finance transactional fees	1,306,000	1,339,000	1,298,000	1,175,000	933,000	1,010,000	1,087,000	1,058,000	946,000
net gain on sale of loans and leases	1,044,000	-62,000			2,000	-852,000	-14,548,000
net gain on sale of investment securities	355,000	-27,000	186,000	-1,797,000		-26,260,000		-719,000	-30,000	-145,000	-429,000
impairment loss on debt securities
total non-interest income	34,316,000	32,516,000	30,191,000	29,606,000	-24,490,000	-391,000	8,557,000	31,037,000	21,231,000	18,672,000	17,775,000	15,997,000	18,121,000	7,345,000	-9,017,000	12,746,000	21,198,000	16,991,000	25,586,000	16,822,000	18,468,000	23,775,000	33,793,000	22,236,000	21,930,000	25,813,000	23,369,000	12,036,000	19,718,000	19,878,000	2,084,000	16,127,000	20,910,000	19,740,000	18,026,000	2,519,000
non-interest expense:
salaries and employee benefits	51,294,000	51,744,000	48,723,000	45,848,000	42,674,000	47,147,000	47,717,000	44,947,000	36,025,000	33,965,000	33,845,000	33,120,000	32,345,000	29,194,000	31,230,000	25,334,000	26,607,000	29,940,000	26,268,000	28,023,000	23,971,000	33,725,000	32,676,000	31,296,000	28,310,000	27,696,000	27,193,000	26,920,000	25,823,000	26,706,000	25,462,000	27,748,000	24,925,000	25,949,000	24,807,000	3,944,000
technology, communication and bank operations	11,643,000	11,388,000	10,415,000	10,382,000	11,312,000	13,435,000	13,588,000	16,227,000	21,904,000	16,887,000	15,667,000	16,407,000	16,589,000	18,604,000	19,588,000	22,738,000	24,068,000	22,657,000	21,281,000	19,618,000	19,988,000	13,289,000	13,215,000	13,310,000	13,050,000							11,322,000	9,943,000	12,658,000	14,401,000	820,000
commercial lease depreciation	12,692,000	11,668,000	9,463,000	8,743,000	8,463,000	8,933,000	7,811,000	7,829,000	7,970,000	7,357,000	7,338,000	7,328,000	7,875,000	6,518,000	5,966,000	5,552,000	4,942,000	4,625,000	4,493,000	4,415,000	4,291,000	3,982,000	3,663,000	3,643,000	3,427,000	2,840,000	2,459,000	2,252,000	1,923,000
professional services	11,695,000	12,390,000	12,281,000	13,850,000	11,857,000	13,473,000	9,048,000	6,104,000	6,353,000	9,820,000	8,569,000	9,192,000	7,596,000	6,825,000	6,269,000	7,415,000	6,956,000	3,916,000	8,249,000	8,234,000	6,289,000	7,489,000	7,253,000	4,552,000	7,670,000	6,470,000	8,348,000	5,718,000	4,573,000	5,674,000	4,743,000	3,811,000	6,008,000	6,909,000	7,403,000	1,254,000
loan servicing	3,859,000	4,050,000	4,167,000	4,053,000	4,630,000	4,584,000	3,778,000	3,516,000	4,031,000	3,779,000	3,858,000	4,777,000	4,661,000	4,460,000	3,851,000	4,341,000	2,371,000
occupancy	3,956,000	4,291,000	4,370,000	3,551,000	3,412,000	3,335,000	2,987,000	3,120,000	2,347,000	2,320,000	2,471,000	2,519,000	2,760,000	3,672,000	2,605,000	4,279,000	3,050,000	4,336,000	2,704,000	2,482,000	2,621,000	3,188,000	3,632,000	3,025,000	3,032,000	3,470,000	3,661,000	3,064,000	2,903,000	2,933,000	2,901,000	3,141,000	2,834,000	2,933,000	2,857,000	756,000
fdic assessments, non-income taxes and regulatory fees	8,215,000	8,040,250	8,505,000	11,906,000	11,750,000	7,901,750	7,902,000	10,236,000	13,469,000	5,264,750	8,551,000	9,780,000	2,728,000	1,632,500	2,528,000	1,619,000	2,383,000	1,908,500	2,313,000	2,602,000	2,719,000
advertising and promotion	554,000	812,000	636,000	461,000	528,000	1,645,000	908,000	1,254,000	682,000	850,000	650,000	546,000	1,049,000	1,111,000	762,000	353,000	315,000	344,000	302,000	313,000	561,000	2,000		582,000	1,641,000	899,000	976,000	1,360,000	809,000	917,000	820,000	319,000	390,000	362,000	404,000	205,000
total non-interest expense	111,988,000	117,309,000	105,217,000	106,626,000	102,771,000	110,375,000	104,018,000	103,452,000	99,169,000	93,767,000	89,466,000	89,297,000	80,133,000	78,419,000	76,198,000	76,205,000	73,807,000	81,548,000	80,009,000	70,823,000	61,927,000	71,165,000	65,561,000	63,506,000	66,459,000	58,741,000	59,592,000	59,582,000	53,984,000	57,045,000	57,104,000	53,750,000	52,280,000	54,788,000	61,040,000	8,366,000
income before income tax expense	90,307,000	97,298,000	100,343,000	78,902,000	11,888,000	35,861,000	46,018,000	77,117,000	65,377,000	83,888,000	110,226,000	68,342,000	68,284,000	35,847,000	81,811,000	77,546,000	96,093,000	115,247,000	152,305,000	81,465,000	92,191,000	78,470,000	62,716,000	29,766,000	5,006,000	34,976,000	35,086,000	11,787,000	20,271,000	22,971,000	6,057,000	30,483,000	31,544,000	32,421,000	22,653,000
income tax expense	20,654,000	22,806,000	24,598,000	17,963,000	-1,024,000	8,946,000	-725,000	19,032,000	15,651,000	21,796,000	23,470,000	20,768,000	14,563,000	7,136,000	17,899,000	18,896,000	19,332,000	12,993,000	36,263,000	20,124,000	17,560,000	22,224,000	12,201,000	7,048,000	1,906,000	7,450,000	8,020,000	2,491,000	4,831,000	5,109,000	28,000	6,820,000	7,402,000	10,806,000	14,899,000	65,000
net income	69,653,000	74,492,000	75,745,000	60,939,000	12,912,000	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	100,669,000	116,042,000	61,341,000	36,595,000	56,246,000	50,515,000	22,718,000	3,100,000	27,526,000	27,066,000	9,296,000	15,440,000	17,862,000	6,029,000	23,663,000	24,142,000	21,615,000	7,754,000	145,000
yoy	439.44%	176.77%	62.05%	4.91%	-74.03%	-56.65%	-46.12%	22.09%	-7.44%	116.27%	35.74%	-18.88%	-30.02%	-71.48%	-44.92%	-4.39%	109.76%	78.98%	129.72%	170.01%	1080.48%	104.34%	86.64%	144.38%	-79.92%	54.10%	348.93%	-60.72%	-36.05%	-17.36%	-22.25%	16219.31%
qoq	-6.50%	-1.65%	24.30%	371.96%	-52.03%	-42.42%	-19.53%	16.81%	-19.92%	-28.43%	82.36%	-11.44%	87.11%	-55.08%	8.97%	-23.59%	-23.75%	-13.25%	89.18%	67.62%	-34.94%	11.35%	122.36%	632.84%	-88.74%	1.70%	191.16%	-39.79%	-13.56%	196.27%	-74.52%	-1.98%	11.69%	178.76%	5247.59%
preferred stock dividends		1,605,000	2,019,000	3,185,000	3,389,000	3,649,000	3,806,000	3,785,000	3,800,000	3,869,000	3,803,000	3,567,000	3,456,000	3,088,000	2,548,000	2,131,000	1,865,000	2,022,000	2,981,000	3,299,000	3,391,000	3,415,000	3,430,000	3,581,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000	3,615,000
net income available to common shareholders	69,653,000	70,088,000	73,726,000	55,846,000	9,523,000	23,266,000	42,937,000	54,300,000	45,926,000	58,223,000	82,953,000	44,007,000	50,265,000	25,623,000	61,364,000	56,519,000	74,896,000	98,647,000	110,241,000	58,042,000	33,204,000	52,831,000	47,085,000	19,137,000	-515,000	23,911,000	23,451,000	5,681,000	11,825,000	14,247,000	2,414,000	20,048,000	20,527,000	18,000,000	4,139,000
basic earnings per common share	2,040	2,090	2,280	1,770	300	740	1,360	1,720	1,460	1,860	2,650	1,410	1,580	800	1,890	1,730	2,270	3,030	3,400	1,800	1,040	1,670	1,490	610	-20	760	750	180	380	450	80	640	650	580	130
diluted earnings per common share	1,970	2,020	2,200	1,730	290	720	1,310	1,660	1,400	1,790	2,580	1,390	1,550	790	1,850	1,680	2,180	2,890	3,250	1,720	1,010	1,670	1,480	610	-20	750	740	180	380	450	70	620	640	550	130
unrealized gain on equity method investments						389,000		11,041,000
loss on redemption of preferred stock		2,799,000		1,908,000															2,820,000
impairment loss on investment securities					-51,319,000																														-8,349,000
frb advances													6,286,000
loss on sale of capital call lines of credit												-5,037,000
legal settlement expense											4,096,000
net gain on sale of loans								-238,000
gain on sale of loans									10,000
mortgage warehouse transactional fees										927,000	1,018,000	1,376,000	1,074,000	1,295,000	1,545,000	1,883,000	2,015,000	2,262,000	3,100,000	3,265,000	4,247,000	3,681,000	3,320,000	2,582,000	1,952,000	1,983,000	2,150,000	1,681,000	1,314,000	1,495,000	1,809,000	1,967,000	1,887,000	2,206,000	2,396,000	1,277,000
gain on sale of sba and other loans										-91,000	-348,000	-761,000			106,000	1,542,000	1,507,000	2,493,000	5,359,000	1,900,000	1,575,000	1,689,000	286,000	23,000	11,000					851,000	1,096,000	947,000	1,361,000	761,250	1,144,000
loss on sale of consumer installment loans															-23,465,000
frb ppp liquidity facility, federal funds purchased and other borrowings														2,550,750	4,131,000	3,696,000	2,376,000	2,189,000	4,350,000	4,819,000	4,845,000	5,603,000	5,413,000
interchange and card revenue														71,000	72,000	24,000	76,000	84,000	83,000	84,000	85,000	3,671,000	4,081,000	6,478,000	6,809,000	6,506,000	6,869,000	6,760,000	8,806,000	7,568,000	7,084,000	6,382,000	9,661,000	9,780,000	9,570,000
deposit fees														958,000	989,000	964,000	940,000	1,026,000	994,000	891,000	863,000	3,614,000	3,439,000	3,321,000	3,460,000	3,616,000	3,642,000	3,348,000	2,209,000	2,098,000	2,002,000	1,632,000	2,092,000	2,121,000	2,659,000
mortgage banking income														90,000	125,000	173,000	481,000	262,000	425,000	386,000	463,000	346,000	1,013,000	38,000	296,000	-635,000	283,000	250,000	167,000	74,000	207,000	205,000	121,000	172,000	257,000
gain on sale of investment securities														-1,556,750	-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	4,353,000	3,974,000		1,001,000				-18,659,000			268,000	5,349,000
unrealized gain on investment securities														28,000	-259,000	-203,000	-276,000			1,746,000	974,000	1,387,000	238,000	1,200,000	-1,378,000	311,000	1,333,000
loss on sale of foreign subsidiaries																				-2,840,000
unrealized gain on derivatives														43,000	563,000	821,000	964,000	586,000	524,000	-439,000	2,537,000
loss on cash flow hedge derivative terminations																					-24,467,000
merger and acquisition related expenses																					418,000	996,000	1,035,000	25,000	50,000					471,000	2,945,000	869,000	106,000
loan workout														714,000	217,000	179,000	-38,000	226,000	198,000	102,000	-261,000	123,000	846,000	1,808,000	366,000	229,000	495,000	643,000	320,000	360,000	516,000	648,000	659,000	522,000	915,000
deposit relationship adjustment fees																			6,216,000
net income from continuing operations														28,711,000	63,912,000	58,650,000	76,761,000	102,254,000	116,042,000	61,341,000	74,631,000
loss from discontinued operations before income taxes																		-5,088,500			-20,354,000
income tax expense from discontinued operations																		1,585,000			17,682,000
net loss from discontinued operations																		-1,585,000			-38,036,000
basic earnings per common share from continuing operations														800	1,890	1,730	2,270	3,070	3,400	1,800	2,230
diluted earnings per common share from continuing operations														790	1,850	1,680	2,180	2,930	3,250	1,720	2,170
provision for credit losses on loans and leases																		13,890,000	13,164,000	3,291,000	-2,919,000	-2,914,000	12,955,000	20,946,000	31,786,000
net interest income after provision for credit losses on loans and leases																		179,804,000	206,728,000	135,466,000	135,650,000	125,860,000	94,484,000	71,036,000	49,535,000
loss upon acquisition of interest-only gnma securities																												-7,476,000
fdic assessments, non-income taxes, and regulatory fees																						2,642,000	3,784,000	2,368,000	2,867,000	2,493,000	-777,000	2,157,000	1,988,000	1,892,000	2,415,000	2,135,000	2,200,000
provision for operating losses																						2,115,000	1,186,000	1,068,000	912,000	1,415,000	3,998,000	2,446,000	1,779,000
other real estate owned																						53,000	7,000	12,000	8,000									20,000	445,000
federal funds purchased and other borrowings																								2,573,000	1,590,000
provision for loan and lease losses																										9,688,000	4,426,000	5,346,000	4,767,000
net interest income after provision for loan and lease losses																										67,904,000	71,309,000	59,333,000	54,537,000
technology, communication, and bank operations																										8,277,500	8,755,000	12,402,000	11,953,000	8,230,750	11,657,000
other real estate owned expenses																										37,750	108,000	-14,000	57,000	41,000	66,000	58,000	40,000
loans																														94,248,000	97,815,000
benefit from loan losses																														1,385,000	2,924,000	-784,000	2,117,000	831,000	2,352,000
net interest income after benefit from loan losses																														60,138,000	61,077,000	68,106,000	62,914,000	67,469,000	65,667,000
benefit from operating incomees																														1,686,000	1,171,000	1,233,000	1,526,000	1,534,000	1,509,000
loans receivable, including fees																																74,238,000	66,879,000			10,203,000
loans receivable																																		48,901,250	67,107,000
fdic assessments, taxes, and regulatory fees																																		1,653,750	2,475,000	430,000
acquisition related expenses
investment securities, taxable																																				4,351,000
investment securities, non-taxable																																				21,000
securities sold under repurchase agreements																																				7,000
provision for loan losses																																				2,850,000
net interest income after provision for loan losses																																				6,057,000
service fees																																				138,000
bank owned life insurance																																				243,000
gains on sales of securities
accretion of fdic loss sharing receivable																																				800,000
loan workout and other real estate owned																																				390,000
income before tax expense																																				210,000
basic earnings per share
diluted earnings per share

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	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	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30

assets
cash and due from banks	89,153,000	62,051,000	57,951,000	72,986,000	62,146,000	56,787,000	39,429,000	45,045,000	51,974,000	45,210,000	68,288,000	54,127,000	77,251,000	58,025,000	41,520,000	66,703,000	55,515,000	35,238,000	51,169,000	36,837,000	3,123,000	78,090,000	5,822,000	44,577,000	18,842,000	33,095,000	12,555,000	24,757,000	41,723,000	17,696,000	12,943,000	22,969,000	9,198,000	20,388,000	13,318,000	18,503,000	5,004,000	17,485,000	39,742,000	46,767,000	63,849,000	53,550,000	80,475,000	44,064,000	68,216,000	62,746,000	89,728,000	48,521,000	73,544,000	59,339,000	88,332,000	10,728,000	6,731,000	12,908,000	9,112,000	2,956,000	11,710,000		7,847,000
interest earning deposits	4,709,051,000	4,349,412,000	4,127,688,000	3,430,525,000	3,366,544,000	3,729,144,000	3,048,593,000	3,003,542,000	3,649,146,000	3,801,136,000	3,351,686,000	3,101,097,000	1,969,434,000	397,781,000	362,945,000	178,475,000	219,085,000	482,794,000	1,000,885,000	393,663,000	512,241,000	615,264,000	325,594,000	1,022,753,000	237,390,000	179,410,000				44,439,000				125,935,000				227,224,000				211,043,000				308,277,000				173,729,000	167,321,000	194,957,000	174,409,000	173,108,000	148,398,000	119,096,000	79,114,000		44,820,000
cash and cash equivalents	4,798,204,000	4,411,463,000	4,185,639,000	3,503,511,000	3,428,690,000	3,785,931,000	3,088,022,000	3,048,587,000	3,701,120,000	3,846,346,000	3,419,974,000	3,155,224,000	2,046,685,000	455,806,000	404,465,000	245,178,000	274,600,000	518,032,000	1,052,054,000	430,500,000	515,364,000	693,354,000	331,416,000	1,067,330,000	256,232,000	212,505,000	182,218,000	95,795,000	117,662,000	62,135,000	666,034,000	251,726,000	215,411,000	146,323,000	219,480,000	401,690,000	157,130,000	244,709,000	265,588,000	302,796,000	262,638,000	264,593,000	383,399,000	391,589,000	333,823,000	371,023,000	331,306,000	265,534,000	290,467,000	233,068,000	255,653,000	205,685,000	181,140,000	186,016,000	157,510,000	122,052,000	90,824,000	73,570,000	52,830,000	101,708,000
investment securities, at fair value	1,993,152,000	1,937,646,000	2,010,820,000	1,877,406,000	2,057,555,000	2,019,694,000	2,412,069,000	2,511,650,000	2,604,868,000	2,405,640,000	2,773,207,000	2,824,638,000	2,926,969,000	2,987,500,000	2,943,694,000	3,144,882,000	4,169,853,000	3,817,150,000	1,866,697,000	1,526,792,000	1,441,904,000	1,210,285,000	1,133,831,000	681,382,000			608,714,000	708,359,000	678,142,000		668,851,000	1,161,000,000	1,181,661,000
investment securities held to maturity	663,545,000	729,134,000	801,324,000	853,126,000	938,161,000	991,937,000	1,064,437,000	962,799,000	1,032,037,000	1,103,170,000	1,178,370,000	1,258,560,000	870,294,000	840,259,000	886,294,000	495,039,000
loans held for sale	20,282,000	26,102,000	30,897,000	32,963,000	37,529,000	204,794,000	275,420,000	375,724,000	357,640,000	340,317,000	150,368,000	78,108,000	424,057,000	328,312,000	5,224,000	6,595,000	3,003,000	16,254,000	29,957,000	34,540,000	46,106,000	79,086,000	26,689,000	464,164,000	450,157,000	486,328,000	502,854,000	5,697,000	1,602,000	1,507,000	1,383,000	1,931,781,000	1,875,515,000	1,939,485,000	2,113,293,000	2,255,096,000		2,117,510,000	2,402,708,000	2,301,821,000	1,969,280,000	1,797,064,000	1,730,002,000	2,030,348,000	1,758,084,000	1,435,459,000				747,593,000	917,939,000	1,414,943,000	1,359,817,000	1,439,889,000	1,187,885,000	283,535,000	175,868,000	174,999,000		175,000,000
loans and leases receivable	15,519,493,000	15,041,340,000	14,673,636,000	13,719,829,000	13,555,820,000	13,127,634,000	12,527,283,000	12,254,204,000	11,936,621,000	11,889,120,000	12,463,485,000	12,637,768,000	13,145,352,000	13,144,894,000	12,607,742,000	12,212,995,000	10,118,855,000	9,018,298,000	7,970,599,000	7,772,142,000	7,536,489,000	7,575,368,000	7,700,892,000	7,272,447,000	7,353,262,000	7,318,988,000	7,336,237,000	7,714,106,000	7,264,049,000
loans receivable, mortgage finance, at fair value	1,758,685,000	1,612,997,000	1,486,978,000	1,536,254,000	1,366,460,000	1,321,128,000	1,250,413,000	1,002,711,000	962,610,000
loans receivable, installment, at fair value	93,086,000	102,077,000	111,636,000	123,354,000	138,159,000
allowance for credit losses on loans and leases	-160,962,000	-155,656,000	-151,809,000	-147,418,000	-141,076,000	-136,775,000	-133,158,000	-132,436,000	-133,296,000	-135,311,000	-139,213,000	-139,656,000	-130,281,000	-130,924,000	-130,197,000	-156,530,000	-145,847,000	-137,804,000	-131,496,000	-125,436,000	-128,736,000	-144,176,000	-155,561,000	-159,905,000	-149,283,000
total loans and leases receivable, net of allowance for credit losses on loans and leases	17,210,302,000	16,600,758,000	16,120,441,000	15,232,019,000	14,919,363,000	14,311,987,000	13,644,538,000	13,124,479,000	12,765,935,000	12,726,456,000	13,423,901,000	13,693,143,000	14,508,696,000	15,335,435,000	15,201,267,000	15,501,228,000	13,924,668,000	14,414,827,000	15,354,084,000	16,807,046,000	15,993,464,000	15,608,989,000	16,423,029,000	14,666,133,000	9,721,991,000
fhlb, federal reserve bank, and other restricted stock	117,880,000	110,411,000	103,290,000	100,590,000	96,758,000	96,214,000	95,035,000	92,276,000	100,067,000	109,548,000	126,098,000	126,240,000	124,733,000	74,196,000	64,112,000	74,626,000	54,553,000	64,584,000	57,184,000	39,895,000	69,420,000	71,368,000	70,387,000	91,023,000	87,140,000	84,214,000	81,853,000	101,947,000	80,416,000	89,685,000	74,206,000	136,066,000	130,302,000	105,918,000	98,611,000	129,689,000	85,218,000	68,408,000	71,621,000	111,418,000	92,269,000	90,841,000	63,514,000	78,148,000	81,798,000	82,002,000	85,732,000	75,558,000	50,430,000	42,424,000
accrued interest receivable	105,002,000	103,626,000	106,379,000	101,481,000	105,800,000	108,351,000	115,588,000	112,788,000	120,123,000	114,766,000	123,984,000	119,501,000	123,754,000	123,374,000	107,621,000	98,727,000	94,669,000	92,239,000	93,514,000	90,009,000	83,186,000	80,412,000	65,668,000	49,911,000	40,570,000	38,072,000	38,412,000	38,506,000	35,716,000	32,955,000	32,986,000	33,956,000	31,812,000	27,021,000	27,135,000	26,163,000	25,603,000	23,690,000	22,100,000	22,402,000	21,206,000	19,939,000	16,512,000	15,958,000	15,702,000	15,205,000	13,744,000	11,613,000	9,629,000	8,362,000
bank premises and equipment	15,749,000	16,745,000	15,340,000	5,978,000	6,653,000	6,668,000	6,730,000	7,019,000	7,253,000	7,371,000	7,789,000	8,031,000	8,581,000	9,025,000	6,610,000	6,755,000	8,233,000	8,890,000	9,944,000	10,391,000	10,943,000	11,626,000	11,744,000	8,380,000	8,890,000	9,389,000	14,075,000	10,095,000	10,542,000	11,063,000	11,300,000	11,224,000	11,556,000	11,955,000	12,369,000	12,028,000	11,830,000	12,259,000	12,428,000	12,457,000	12,444,000	11,531,000	11,567,000	11,453,000	11,061,000	10,810,000	11,147,000	11,075,000	11,234,000	11,625,000	11,055,000	10,170,000	9,546,000	9,672,000	9,708,000	9,319,000	9,378,000		8,832,000
bank-owned life insurance	306,927,000	305,503,000	303,212,000	300,747,000	298,551,000	297,641,000	295,531,000	293,108,000	293,400,000	292,193,000	291,670,000	290,322,000	339,607,000	338,441,000	336,130,000	335,153,000	332,239,000	333,705,000	331,423,000	329,421,000	281,923,000	280,067,000	277,826,000	275,842,000	273,576,000	272,546,000	270,526,000	268,682,000	266,740,000	264,559,000	263,117,000	261,121,000	259,222,000	257,720,000	255,683,000	213,902,000	213,005,000	161,494,000	160,357,000	159,486,000	158,339,000	157,211,000	156,909,000	155,940,000	154,821,000	138,676,000	137,575,000	106,668,000	105,303,000	104,433,000	85,991,000	67,762,000	66,746,000	56,191,000	40,303,000	39,901,000
other real estate owned	12,506,000	12,432,000	12,432,000	12,306,000																		57,000	131,000	131,000	131,000	173,000	204,000	1,076,000	976,000	816,000	1,450,000	1,705,000	1,742,000	1,726,000	1,059,000	2,358,000	2,738,000	3,108,000	3,897,000	5,066,000	5,106,000	5,057,000	8,433,000	13,319,000	13,127,000	15,371,000	17,755,000	12,885,000	15,670,000	12,265,000	13,601,000	10,607,000	9,414,000	8,114,000	10,699,000	12,931,000	12,298,000		12,128,000
goodwill and other intangibles	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,629,000	3,678,000	3,736,000	3,794,000	3,853,000	3,911,000	14,298,000	14,437,000	14,575,000	14,870,000	15,195,000	15,521,000	15,847,000	16,173,000	16,499,000	16,825,000	17,150,000	17,477,000	16,295,000	16,604,000	3,633,000	3,636,000	3,639,000	16,924,000	17,197,000	3,648,000	3,651,000	3,654,000	3,658,000	3,661,000	3,664,000	3,667,000	3,670,000	3,673,000	3,676,000	3,680,000	3,683,000	3,686,000	3,689,000	3,697,000	2,275,000
other assets	633,589,000	638,419,000	566,760,000	527,044,000	530,355,000	481,395,000	455,083,000	410,916,000	361,295,000	366,829,000	358,162,000	471,169,000	374,609,000	400,135,000	408,575,000	340,184,000	298,212,000	305,611,000	310,271,000	362,661,000	371,439,000	389,706,000	423,569,000	584,247,000	452,585,000	298,052,000	285,699,000	269,165,000	235,360,000	185,672,000	165,416,000	143,679,000	140,501,000	131,498,000	119,748,000	73,768,000	75,849,000	70,099,000	136,993,000	127,568,000	88,077,000	73,341,000	71,055,000	55,943,000	57,242,000	52,914,000	41,439,000	37,432,000	33,876,000	41,028,000
total assets	25,880,767,000	24,895,868,000	24,260,163,000	22,550,800,000	22,423,044,000	22,308,241,000	21,456,082,000	20,942,975,000	21,347,367,000	21,316,265,000	21,857,152,000	22,028,565,000	21,751,614,000	20,896,112,000	20,367,621,000	20,251,996,000	19,163,708,000	19,575,028,000	19,108,922,000	19,635,108,000	18,817,660,000	18,439,248,000	18,778,727,000	17,903,118,000	12,018,799,000	11,520,717,000	11,723,790,000	11,182,427,000	10,143,894,000	9,833,425,000	10,617,104,000	11,092,846,000	10,769,266,000	9,839,555,000	10,471,829,000	10,883,548,000	9,906,636,000	9,382,736,000	9,602,610,000	9,684,625,000	9,038,882,000	8,401,313,000	7,599,471,000	7,617,643,000	7,133,225,000	6,825,370,000	6,532,435,000	5,635,728,000	5,014,231,000	4,153,173,000	3,925,112,000	3,793,258,000	3,458,624,000	3,201,234,000	2,654,091,000	2,283,032,000	1,975,592,000	2,077,532,000	1,862,612,000	1,694,179,000
liabilities and shareholders’ equity
liabilities:
deposits:
demand, non-interest bearing	6,739,713,000	6,303,748,000	6,380,879,000	5,481,065,000	5,552,605,000	5,608,288,000	4,670,809,000	4,474,862,000	4,688,880,000	4,422,494,000	4,758,682,000	4,490,198,000	3,487,517,000	1,885,045,000	2,993,793,000	4,683,030,000	4,594,428,000	4,459,790,000	4,954,331,000	2,699,869,000	2,687,628,000	2,356,998,000	2,327,017,000	1,879,789,000	1,435,151,000	1,343,391,000	1,569,918,000	1,380,698,000	1,372,358,000	1,122,171,000	1,338,167,000	1,090,744,000	1,260,853,000	1,052,115,000	1,427,304,000	661,914,000	507,278,000	512,664,000	1,080,970,000	749,564,000	779,568,000	653,679,000	777,478,000	584,380,000	670,771,000	546,436,000	697,415,000	555,936,000	634,578,000	478,103,000	671,211,000	265,842,000	242,509,000	219,687,000	213,229,000	155,009,000	133,505,000		110,762,000
interest bearing	14,852,932,000	14,474,956,000	14,024,144,000	13,494,953,000	13,380,320,000	13,238,173,000	13,398,580,000	13,203,231,000	13,272,503,000	13,497,742,000	13,436,682,000	13,460,233,000	14,236,100,000	16,271,908,000	14,528,645,000	12,261,689,000	11,821,132,000	12,318,134,000	12,016,694,000	11,174,070,000	9,784,812,000	8,952,931,000	8,512,060,000	9,086,086,000	6,978,492,000	7,305,545,000				6,020,065,000				5,748,027,000				6,334,316,000				5,255,822,000				3,986,102,000	3,586,725,000	3,134,958,000	2,971,754,000	2,481,819,000	2,572,101,000	2,509,867,000	2,293,317,000	2,221,131,000	2,134,955,000	1,774,854,000	1,670,685,000		1,471,063,000
total deposits	21,592,645,000	20,778,704,000	20,405,023,000	18,976,018,000	18,932,925,000	18,846,461,000	18,069,389,000	17,678,093,000	17,961,383,000	17,920,236,000	18,195,364,000	17,950,431,000	17,723,617,000	18,156,953,000	17,522,438,000	16,944,719,000	16,415,560,000	16,777,924,000	16,971,025,000	13,873,939,000	12,472,440,000	11,309,929,000	10,839,077,000	10,965,875,000	8,413,643,000	8,648,936,000	8,925,685,000	8,185,777,000	7,425,318,000	7,142,236,000	8,513,714,000	7,295,954,000	7,042,459,000	6,800,142,000	7,597,076,000	7,021,922,000	6,627,061,000	6,846,980,000	7,388,970,000	6,751,259,000	6,478,615,000	5,909,501,000	5,785,194,000	5,477,157,000	4,893,321,000	4,532,538,000	4,284,140,000	3,690,894,000	3,606,332,000	2,959,922,000	3,243,312,000	2,775,709,000	2,535,826,000	2,440,818,000	2,348,184,000	1,929,863,000	1,804,190,000	1,583,189,000	1,581,825,000	1,406,353,000
federal funds purchased	70,000,000														365,000,000	770,000,000	700,000,000	75,000,000			365,000,000	250,000,000	680,000,000		705,000,000	538,000,000	373,000,000	406,000,000	388,000,000	187,000,000		105,000,000	195,000,000	155,000,000	147,000,000	150,000,000	215,000,000	83,000,000	52,000,000	61,000,000	80,000,000	70,000,000	50,000,000							13,000,000		120,000,000	90,000,000	5,000,000		5,000,000		5,000,000
fhlb advances	1,561,655,000	1,325,068,000	1,195,437,000	1,195,377,000	1,133,456,000	1,128,352,000	1,117,229,000	1,018,349,000	1,195,088,000	1,203,207,000	1,529,839,000	2,046,142,000	2,052,143,000	800,000,000	500,000,000	635,000,000		700,000,000			850,000,000	850,000,000	850,000,000	850,000,000	1,260,000,000	850,000,000	1,040,800,000	1,262,100,000	1,025,832,000	1,248,070,000	835,000,000	2,389,797,000	2,252,615,000	1,611,860,000	1,462,343,000	1,999,600,000	1,206,550,000	868,800,000	1,036,700,000	1,906,900,000	1,633,700,000	1,625,300,000	985,900,000	1,388,000,000	1,545,000,000	1,618,000,000	1,594,500,000	1,301,500,000	905,000,000	706,500,000
other borrowings	99,243,000	99,208,000	99,173,000	99,138,000	99,103,000	99,068,000	99,033,000	123,970,000	123,905,000	123,840,000	123,775,000	123,710,000	123,645,000	123,580,000	123,515,000	123,450,000	223,230,000	223,086,000	223,151,000	124,240,000	124,138,000	124,037,000	123,935,000	123,833,000	123,732,000	123,630,000	123,528,000	99,055,000	123,963,000	123,871,000	123,779,000	186,888,000	186,735,000	186,497,000	186,258,000	186,030,000	87,289,000	87,123,000	86,957,000	86,790,000	86,624,000	88,250,000	88,250,000	88,250,000	88,250,000	88,250,000	88,250,000	88,250,000	65,250,000	65,250,000	235,250,000	505,000,000	537,000,000	471,000,000	36,000,000	178,000,000	11,000,000		11,000,000
subordinated debt	171,614,000	281,147,000	182,718,000	182,649,000	182,579,000	182,509,000	182,439,000	182,370,000	182,300,000	182,230,000	182,161,000	182,091,000	182,021,000	181,952,000	181,882,000	181,812,000	181,742,000	181,673,000	181,603,000	181,534,000	181,464,000	181,394,000	181,324,000	181,255,000	181,185,000	181,115,000	109,050,000	109,026,000	109,002,000	108,977,000	108,953,000	108,929,000	108,904,000	108,880,000	108,856,000	108,831,000	108,807,000	108,783,000	108,758,000	108,734,000	108,709,000	110,000,000	110,000,000	110,000,000	110,000,000	110,000,000	112,000,000	112,000,000			2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000
accrued interest payable and other liabilities	241,310,000	296,224,000	251,753,000	234,060,000	210,421,000	215,168,000	186,812,000	193,328,000	193,074,000	248,358,000	264,406,000	269,539,000	249,168,000	230,666,000	287,855,000	243,625,000	265,770,000	251,128,000	448,844,000	338,801,000	351,741,000	191,786,000	241,891,000	354,341,000	195,603,000	126,241,000	132,577,000	129,064,000	93,406,000	66,455,000	80,846,000	70,051,000	64,465,000	56,212,000	59,654,000	37,157,000	43,320,000	47,381,000	139,405,000	89,380,000	51,985,000	44,360,000	42,149,000	30,735,000	38,703,000	33,437,000	27,746,000	29,344,000	36,711,000	21,878,000	55,665,000	10,776,000	16,888,000	12,941,000	6,405,000	9,453,000	7,094,000		8,121,000
total liabilities	23,736,467,000	22,780,351,000	22,134,104,000	20,687,242,000	20,558,484,000	20,471,558,000	19,654,902,000	19,196,110,000	19,655,750,000	19,677,871,000	20,295,545,000	20,571,913,000	20,330,594,000	19,493,151,000	18,980,690,000	18,898,606,000	17,786,302,000	18,208,811,000	17,824,623,000	18,384,379,000	17,628,939,000	17,322,162,000	17,727,236,000	16,895,271,000	11,054,163,000	10,467,922,000	10,704,640,000	10,191,022,000	9,165,521,000	8,876,609,000	9,662,292,000	10,156,619,000	9,850,178,000	8,918,591,000	9,561,187,000	9,973,259,000	9,026,819,000	8,526,864,000	8,812,790,000	9,004,063,000	8,439,633,000	7,847,411,000	7,061,493,000	7,094,142,000	6,675,274,000	6,382,225,000	6,106,636,000	5,221,988,000	4,613,293,000	3,766,550,000	3,536,227,000	3,413,485,000	3,181,714,000	2,931,759,000	2,392,589,000	2,124,316,000	1,824,284,000	1,929,784,000	1,712,946,000	1,570,802,000
commitments and contingencies
shareholders’ equity:
common stock	36,312,000	36,189,000	36,161,000	36,123,000	35,995,000	35,758,000	35,734,000	35,686,000	35,540,000	35,459,000	35,330,000	35,301,000	35,258,000	35,012,000	34,948,000	34,922,000	34,882,000	34,722,000	33,818,000	33,634,000	33,519,000	32,986,000	32,836,000	32,791,000	32,751,000	32,617,000	32,526,000	32,483,000	32,412,000	32,252,000	32,218,000	32,200,000	31,997,000	31,913,000	31,318,000	31,261,000	31,167,000	30,820,000	28,074,000	27,817,000	27,567,000	27,432,000	27,413,000	27,402,000	27,356,000	27,278,000	27,267,000	27,262,000	24,826,000	24,756,000	24,742,000	24,710,000	18,531,000	18,507,000	18,507,000	11,395,000	11,395,000		11,395,000
additional paid in capital	669,112,000	666,756,000	662,252,000	572,473,000	570,172,000	575,333,000	571,609,000	567,345,000	567,490,000	564,538,000	559,346,000	555,737,000	552,255,000	551,721,000	549,066,000	545,670,000	542,402,000	542,391,000	525,894,000	519,294,000	515,318,000	455,592,000	452,965,000	450,665,000	446,840,000	444,218,000	441,499,000	439,067,000	436,713,000	434,314,000	431,205,000	428,796,000	424,099,000	422,096,000	429,633,000	428,488,000	428,454,000	427,008,000	374,727,000	367,843,000	364,647,000	362,607,000	360,903,000	359,455,000	357,523,000	355,822,000	354,561,000	353,371,000	308,820,000	307,231,000	306,183,000	305,364,000	213,022,000	212,090,000	211,868,000	123,868,000	123,130,000		122,413,000
retained earnings	1,604,847,000	1,535,194,000	1,465,106,000	1,391,380,000	1,335,534,000	1,326,011,000	1,302,745,000	1,259,808,000	1,205,508,000	1,159,582,000	1,101,359,000	1,018,406,000	974,399,000	924,134,000	898,511,000	837,147,000	780,628,000	705,732,000	607,085,000	496,844,000	438,802,000	438,581,000	385,750,000	338,665,000	319,529,000	381,519,000	357,608,000	334,157,000	328,476,000	316,651,000	302,404,000	299,990,000	279,942,000	258,076,000	240,076,000	235,938,000	215,830,000	193,698,000	176,929,000	158,292,000	140,924,000	124,511,000	107,731,000	93,422,000	82,373,000	68,421,000	55,245,000	43,581,000	79,144,000	71,008,000	61,997,000	53,729,000	45,503,000	38,314,000	30,748,000	24,112,000	17,608,000		11,312,000
accumulated other comprehensive income	-54,657,000	-54,050,000	-51,089,000	-71,325,000	-67,641,000	-96,560,000	-106,082,000	-131,358,000	-132,305,000	-136,569,000	-149,812,000	-168,176,000	-156,276,000	-163,096,000	-156,126,000	-124,881,000	-62,548,000	-4,980,000	1,488,000	5,266,000	5,391,000														377,000	5,364,000			774,000											-8,118,000	-3,537,000	-3,530,000	354,000	1,064,000					1,509,000
treasury stock	-111,314,000	-68,572,000	-68,572,000	-147,294,000	-147,294,000	-141,653,000	-140,620,000	-122,410,000	-122,410,000	-122,410,000	-122,410,000	-122,410,000	-122,410,000	-82,604,000	-77,262,000	-77,262,000	-55,752,000	-49,442,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,780,000	-21,209,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,233,000	-8,254,000	-8,254,000	-8,254,000	-8,254,000	-8,254,000	-8,254,000
total shareholders’ equity	2,144,300,000	2,115,517,000	2,126,059,000	1,863,558,000	1,864,560,000	1,836,683,000	1,801,180,000	1,746,865,000	1,691,617,000	1,638,394,000	1,561,607,000	1,456,652,000	1,421,020,000	1,402,961,000	1,386,931,000	1,353,390,000	1,377,406,000	1,366,217,000	1,284,299,000	1,250,729,000	1,188,721,000	1,117,086,000	1,051,491,000	1,007,847,000	964,636,000	1,052,795,000	1,019,150,000	991,405,000	978,373,000	956,816,000	954,812,000	936,227,000	919,088,000	920,964,000	910,642,000	910,289,000	879,817,000	855,872,000	789,820,000	680,562,000	599,249,000	553,902,000	537,978,000	523,501,000	457,951,000	443,145,000	425,799,000	413,740,000	400,938,000	386,623,000	388,885,000	379,773,000	276,910,000	269,475,000	261,502,000	158,716,000	151,308,000	147,748,000
total liabilities and shareholders’ equity	25,880,767,000	24,895,868,000	24,260,163,000	22,550,800,000	22,423,044,000	22,308,241,000	21,456,082,000	20,942,975,000	21,347,367,000	21,316,265,000	21,857,152,000	22,028,565,000	21,751,614,000	20,896,112,000	20,367,621,000	20,251,996,000	19,163,708,000	19,575,028,000	19,108,922,000	19,635,108,000	18,817,660,000	18,439,248,000	18,778,727,000	17,903,118,000	12,018,799,000	11,520,717,000	11,723,790,000	11,182,427,000	10,143,894,000	9,833,425,000	10,617,104,000	11,092,846,000	10,769,266,000	9,839,555,000	10,471,829,000	10,883,548,000	9,906,636,000	9,382,736,000	9,602,610,000	9,684,625,000	9,038,882,000	8,401,313,000	7,599,471,000	7,617,643,000	7,133,225,000	6,825,370,000	6,532,435,000	5,635,728,000	5,014,231,000	4,153,173,000	3,925,112,000	3,793,258,000	3,458,624,000	3,201,234,000	2,654,091,000	2,283,032,000	1,975,592,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized; no shares issued and outstanding as of december 31, 2025 and 5,700,000 shares issued and outstanding as of december 31, 2024
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 3,400,000 and 5,700,000 shares issued and outstanding as of september 30, 2025 and december 31, 2024			82,201,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 3,400,000 and 5,700,000 shares issued and outstanding as of june 30, 2025 and december 31, 2024				82,201,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of march 31, 2025 and december 31, 2024					137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized; 5,700,000 shares issued and outstanding as of december 31, 2024 and 2023						137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of september 30, 2024 and december 31, 2023							137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of june 30, 2024 and december 31, 2023								137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of march 31, 2024 and december 31, 2023									137,794,000
loans receivable, mortgage warehouse, at fair value										897,912,000	962,566,000	1,006,268,000	1,247,367,000	1,323,312,000	1,569,090,000	1,874,603,000	1,755,758,000	2,284,325,000	2,557,624,000	2,855,284,000	3,407,622,000	3,616,432,000	3,913,593,000	2,793,164,000	2,518,012,000	2,245,758,000	2,438,530,000	2,001,540,000	1,480,195,000	1,405,420,000	1,516,327,000
loans receivable, ppp										74,735,000	137,063,000	188,763,000	246,258,000	998,153,000	1,154,632,000	1,570,160,000	2,195,902,000	3,250,008,000	4,957,357,000	6,305,056,000	5,178,089,000	4,561,365,000	4,964,105,000	4,760,427,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized; 5,700,000 shares issued and outstanding as of december 31, 2023 and 2022										137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of september 30, 2023 and december 31, 2022											137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of june 30, 2023 and december 31, 2022												137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of march 31, 2023 and december 31, 2022													137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized; 5,700,000 shares issued and outstanding as of december 31, 2022 and 2021														137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of september 30, 2022 and december 31, 2021															137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of june 30, 2022 and december 31, 2021																137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 shares issued and outstanding as of march 31, 2022 and december 31, 2021																	137,794,000
assets of discontinued operations
frb ppp liquidity facility																				3,865,865,000	3,284,156,000	4,415,016,000	4,811,009,000	4,419,967,000
liabilities of discontinued operations
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 and 9,000,000 shares issued as of december 31, 2021 and 2020; 5,700,000 and 9,000,000 shares outstanding as of december 31, 2021 and 2020																		137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,700,000 and 9,000,000 shares issued as of september 30, 2021 and december 31, 2020; 5,700,000 and 9,000,000 shares outstanding as of september 30, 2021 and december 31, 2020;																			137,794,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of june 30, 2021 and december 31, 2020																				217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of march 31, 2021 and december 31, 2020																					217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of december 31, 2020 and 2019																						217,471,000
accumulated other comprehensive loss																						-5,764,000	-15,751,000	-9,965,000	-30,175,000	-1,250,000	-8,174,000	-9,993,000	-14,919,000	-22,663,000	-20,253,000	-33,997,000	-26,188,000	-359,000			-4,872,000	-4,892,000		-427,000	-5,333,000	-7,984,000	-5,405,000	-4,114,000	-1,047,000	-122,000	-3,020,000	-2,220,000	-3,598,000							-159,000	-325,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of september 30, 2020 and december 31, 2019																							217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of june 30, 2020 and december 31, 2019																								217,471,000
investment securities available for sale, at fair value																									712,657,000	595,876,000				665,012,000				471,371,000	584,823,000	1,012,605,000	1,017,300,000	493,474,000	530,896,000	547,935,000	556,165,000	560,253,000	418,945,000	373,953,000	396,194,000	416,685,000	409,303,000	425,061,000	458,302,000	497,573,000	497,566,000	182,314,000	162,030,000	129,093,000	130,705,000	134,757,000	27,951,000		155,971,000
frb advances																									175,000,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of march 31, 2020 and december 31, 2019																									217,471,000
allowance for loan and lease losses																										-56,379,000	-51,053,000	-48,388,000	-43,679,000
total loans and leases receivable, net of allowance for loan and lease losses																										9,508,367,000	9,723,714,000	9,667,258,000	8,700,565,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of december 31, 2019 and 2018																										217,471,000
interest-earning deposits																											169,663,000	71,038,000	75,939,000		653,091,000	228,757,000	206,213,000		206,162,000	383,187,000	152,126,000		225,846,000	256,029,000	198,789,000		302,924,000	347,525,000	265,607,000		241,578,000	217,013,000	216,923,000
interest-bearing																											7,355,767,000	6,805,079,000	6,052,960,000		7,175,547,000	6,205,210,000	5,781,606,000		6,169,772,000	6,360,008,000	6,119,783,000		6,308,000,000	6,001,695,000	5,699,047,000		5,007,716,000	4,892,777,000	4,222,550,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of september 30, 2019 and december 31, 2018																											217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of june 30, 2019 and december 31, 2018																												217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of march 31, 2019 and december 31, 2018																													217,471,000
loans receivable																														7,138,074,000	7,239,950,000	7,181,726,000	6,943,566,000	6,768,258,000	7,061,338,000	6,723,278,000	6,596,747,000	6,142,390,000	6,016,995,000	6,114,576,000	5,907,315,000	5,453,479,000	4,769,102,000	4,524,825,000	4,337,851,000	4,312,173,000
allowance for loan losses																														-39,972,000	-40,741,000	-38,288,000	-39,499,000	-38,015,000	-38,314,000	-38,458,000	-39,883,000	-37,315,000	-37,897,000	-38,097,000	-37,605,000	-35,647,000	-33,823,000	-37,491,000	-33,566,000	-30,932,000	-31,083,000	-28,186,000	-26,704,000	-23,998,000
total loans receivable, net of allowance for loan losses																														8,503,522,000	8,715,536,000	7,143,438,000	6,904,067,000	6,730,243,000	7,023,024,000	6,684,820,000	6,556,864,000	6,105,075,000	5,979,098,000	6,076,479,000	5,869,710,000	5,417,832,000	4,735,279,000	4,487,334,000	4,304,285,000	4,281,241,000	4,079,052,000	3,615,918,000	3,329,843,000	2,441,080,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of december 31, 2018 and 2017																														217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of september 30, 2018 and december 31, 2017																															217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of june 30, 2018 and december 31, 2017																																217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of march 31, 2018 and december 31, 2017																																	217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of december 31, 2017 and 2016																																		217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of september 30, 2017 and december 31, 2016																																			217,471,000
assets held for sale																																				67,796,000	72,915,000	79,271,000
non-interest bearing deposits held for sale																																				447,325,000	702,410,000
other liabilities held for sale																																				22,394,000	36,382,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of june 30, 2017 and december 31, 2016																																				217,471,000
loans held for sale, at fair value																																					1,684,548,000											1,061,395,000	697,532,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 shares issued and outstanding as of march 31, 2017 and december 31, 2016																																					217,471,000
liabilities held for sale																																						484,797,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 and 2,300,000 shares issued and outstanding as of december 31, 2016 and 2015																																						217,471,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 9,000,000 and 2,300,000 shares issued and outstanding as of september 30, 2016 and december 31, 2015																																							217,549,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 5,600,000 and 2,300,000 shares issued and outstanding as of june 30, 2016 and december 31, 2015																																								135,270,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 3,300,000 and 2,300,000 shares issued and outstanding as of march 31, 2016 and december 31, 2015																																									79,677,000
fdic loss sharing receivable																																											202,000		3,427,000	2,320,000	5,995,000	8,919,000	8,272,000	10,046,000	11,038,000	14,169,000	12,043,000	12,343,000	12,306,000	12,376,000	14,149,000		11,860,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 2,300,000 and 0 shares issued and outstanding as of december 31, 2015 and 2014																																										55,569,000
preferred stock, par value 1.00 per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 2,300,000 and 0 shares issued and outstanding as of september 30, 2015 and december 31, 2014																																											55,569,000
preferred stock, 1.00 par value per share; liquidation preference 25.00 per share; 100,000,000 shares authorized, 2,300,000 and 0 shares issued and outstanding as of june 30, 2015 and december 31, 2014																																												55,569,000
preferred stock, no par value or as set by the board; 100,000,000 shares authorized, none issued
loans held for sale,																																															1,395,720,000
loans receivable not covered under loss sharing agreements with the fdic																																															4,065,672,000	3,589,630,000	3,294,908,000	2,398,353,000	2,018,532,000	1,753,658,000	1,516,844,000	1,216,941,000	976,134,000	1,537,577,000
loans receivable covered under loss sharing agreements with the fdic																																															44,463,000	54,474,000	61,639,000	66,725,000	81,255,000	91,614,000	102,011,000	107,526,000	110,965,000	113,293,000	120,559,000		140,511,000
less: allowance for loan losses																																																			-26,800,000	-28,142,000	-26,439,000	-25,837,000	-24,974,000				-14,025,000
total loans receivable																																																			2,072,987,000	1,817,130,000	1,592,416,000	1,298,630,000	1,062,125,000	1,634,752,000	1,297,573,000		1,000,347,000
fhlb, federal reserve bank, and other stock																																																			19,113,000
accrued interest receivable and other assets																																																			36,489,000	33,607,000	27,705,000	27,434,000	16,572,000	11,009,000	13,353,000		22,891,000
preferred stock, no par value or as set by the board; 100,000,000 shares authorized; none issued
less: cost of treasury stock; 47,619 shares at september 30, 2013 and december 31, 2012																																																			-500,000
restricted stock																																																				33,188,000	34,081,000	30,163,000	22,581,000	20,125,000	20,960,000
less: cost of treasury stock; 47,619 shares at june 30, 2013 and december 31, 2012																																																				-500,000
less: cost of treasury stock; 47,619 shares at march 31, 2013 and december 31, 2012																																																					-500,000
preferred stock, par value 1,000 per share; 100,000,000 shares authorized; none issued
less: cost of treasury stock; 47,619 shares at december 31, 2012 and december 31, 2011																																																						-500,000
accumulated other comprehensive gain																																																							879,000
less: cost of treasury stock; 47,619 shares at september 30, 2012 and december 31, 2011																																																							-500,000
less: allowance for loan and lease losses																																																								-16,118,000	-15,400,000
less: cost of treasury stock; 47,619 shares at june 30, 2012 and december 31, 2011																																																								-500,000
investment securities, held-to-maturity																																																									281,417,000	319,547,000	361,256,000
loans receivable not covered by loss sharing agreements with the fdic																																																									1,192,414,000		873,861,000
bank owned life insurance																																																									29,614,000		29,005,000
goodwill																																																									2,207,000		2,465,000
less: cost of treasury stock, 47,619 shares at march 31, 2012 and december 31, 2011																																																									-500,000
investment securities, available for sale																																																										79,137,000
loans receivable not covered under fdic loss sharing agreements																																																										1,216,265,000
total loans receivable covered under fdic loss sharing agreements																																																										126,276,000		149,867,000
total loans receivable, net of the allowance for loan and lease losses																																																										1,327,509,000
total other borrowings																																																										331,000,000
federal funds sold																																																											163,000
loans receivable held for sale																																																											205,027,000
liabilities and stockholders’ equity
securities sold under agreements to repurchase																																																											110,000,000
stockholders’ equity:
preferred stock, par value 1,000 per share; 100,000,000 shares authorized; 2,892 series a, 5% dividend and 145 series b shares, 9% dividend issued and outstanding in 2011 and no shares in 2010																																																											3,037,000
total stockholders’ equity																																																											149,666,000	123,377,000
total liabilities and stockholders’ equity																																																											1,862,612,000
total investment securities, available-for-sale																																																												251,255,000
total investment securities, held-to-maturity																																																												381,818,000
total loans receivable, not covered under fdic loss sharing agreements																																																												576,949,000
total loans receivable, net of the allowance for loan losses																																																												712,870,000
interest earning assets																																																												1,617,610,000
total borrowings																																																												154,000,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	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	2014-06-30	2014-03-31	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	75,745,000	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	10,238,000	8,136,000	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	26,543,000	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	1,897,000	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	4,411,000	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	-1,730,000	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	1,000	2,215,000	-6,000	0	1,000	-1,300,000	1,000	187,000
net amortization (accretion) of investment securities premiums and discounts	-1,185,000	-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	-147,000	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	0
impairment loss on equity securities	0
net (gain) loss on sale of investment securities	-186,000			26,260,000	0	719,000	30,000	145,000
unrealized gain on equity method investments				-389,000	0
unrealized (gain) loss on derivatives	-370,000	-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	-221,000				-33,000				237,000				33,000				631,000
fair value adjustment on loans held for sale	108,000	-289,000	667,000	147,000												0	0	0	-1,115,000
fair value adjustment on loans held for investment	-228,000
net (gain) loss on sale of loans and leases	0	0	-2,000	852,000
origination and purchases of loans held for sale	-188,372,000	-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	206,068,000	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	-16,346,000	-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	-2,165,000	-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	-835,000	-835,000
increase in accrued interest receivable and other assets	3,063,000	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	10,029,000	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	-8,259,000	15,562,000			778,000
net cash from operating activities	116,914,000	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	-365,408,000	79,305,000	551,334,000	-51,363,000	88,039,000	-889,239,000	-108,930,000	4,096,000	54,695,000
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
free cash flows	116,914,000	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	-365,408,000	79,305,000	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	78,685,000	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																													11,791,000	10,264,000	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	63,031,000	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	100,914,000			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			25,358,000	187,891,000				0	257,645,000	48,965,000
purchases of investment securities available for sale	-295,705,000	-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			0	-149,940,000	-320,965,000	-34,150,000	-35,620,000	0
purchases of investment securities held to maturity	-9,983,000	0	-14,022,000	-111,000				0	0	0	-73,074,000
purchases of equity method investments				-140,000	0
origination of mortgage finance loans	-7,102,632,000	-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	7,151,408,000	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	-803,319,000	-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	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	-152,886,000	-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	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	0	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
net (purchases of) proceeds from sale of fhlb, federal reserve bank, and other restricted stock	-2,700,000	-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	-10,478,000	-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	-437,000	-207,000	-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	6,884,000	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	-48,998,000	-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	-1,025,661,000	-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	-273,781,000	-853,826,000	-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	1,428,381,000	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	84,534,000	646,420,000	467,621,000	239,904,000	95,031,000	418,351,000	125,709,000	221,071,000	1,226,000
net increase in short-term borrowed funds from fhlb									0	0	-300,000,000
proceeds from long-term borrowed funds from fhlb and frb	150,000,000	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	-100,000,000	0	-100,000,000	-75,000,000	0			-340,000,000	-510,000,000	0	-1,015,000,000
repayments of other long-term borrowings
redemption of preferred stock	0															0
preferred stock dividends paid	-2,007,000	-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	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	-254,000	-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	164,755,000	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
net cash from financing activities	1,590,875,000	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	614,256,000	831,920,000	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	682,128,000	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	-24,933,000	57,399,000	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	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	0	233,068,000
cash and cash equivalents – ending	682,128,000	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	-24,933,000	290,467,000
non-cash investing and financing activities:
purchases of investment securities held to maturity upon sale of consumer installment loans				0				0	0
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	1,165,000	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	338,000																				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	1,943,000	4,955,000	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	3,905,000	1,376,000	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	8,067,000	7,017,000	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	8,956,000	2,082,000	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
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	-4,074,294,000	-2,819,236,000				-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	3,711,785,000	2,869,796,000	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	315,000	127,000
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	193,000	177,000	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							-24,038,000	-8,006,000
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			-359,000	-2,832,000				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																																											47,000			-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	-289,256,000	-608,672,000	-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	917,000	890,000	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	1,079,000	955,000
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	-74,000	-129,000	-451,000				-1,328,000	1,374,000	-50,000
reimbursements from the fdic on loss sharing agreements																																						-320,000	1,437,000			180,000	1,297,000	3,006,000	758,000	2,370,000	3,866,000	1,324,000	118,000
purchase of loan portfolios																																										-6,362,000	-288,253,000
decrease (increase) in accrued interest receivable and other assets																																											1,552,000
decrease (increase) in accrued interest payable and other liabilities
benefit from loan losses, net of change to fdic receivable																																									2,964,000	2,885,000	4,368,000
increase in fdic loss sharing receivable																																									-134,000	-982,000	-990,000			-1,940,000	-3,796,000	449,000	-1,190,000
net increase in short-term borrowed funds																																									-98,000,000	196,500,000	185,500,000		-2,000,000	101,000,000	-147,000,000
loss contingency																																												0	0	2,000,000
gain on sale of loans																																										-1,926,000	-498,000		-358,000	-50,000	71,000
proceeds from sales of sba loans																																										5,543,000	424,000	376,000	3,464,000	436,000
net proceeds from stock offering																																												-183,000
issuance of common stock under share-based compensation arrangements																																										115,000	704,000
securities purchased not settled																																														3,421,000
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			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
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
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
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:

Customers Bancorp, Inc(NYSE:CUBI)

Customers Bancorp, Inc
(NYSE:CUBI)