Eagle Bancorp, Inc
(NASDAQ:EGBN)

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The company also offers various commercial and consumer lending products comprising commercial loans for working capital, equipment purchases,...

Website: http://www.eaglebankcorp.com

Founded: 1997

Full Time Employees: 515

Sector: Financial Services

Industry: Banks-Regional

Financial Services Regional Bank

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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	2021-09-30	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	2015-09-30	2013-03-31	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2010-09-30	2010-06-30	2010-03-31	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31

interest income
interest and fees on loans	109,566,000	119,744,000	123,704,000	125,223,000	126,136,000	132,943,000	139,836,000	137,616,000	137,994,000	135,964,000	132,273,000	128,993,000	120,850,000	109,251,000	93,744,000	80,142,000	75,830,000	82,182,000	88,704,000	89,238,000	89,875,000	89,296,000	92,928,000	96,755,000	98,916,000	102,297,000	101,889,000	97,821,000	97,682,000	95,570,000	90,924,000	84,430,000	81,967,000	78,176,000	75,896,000	72,471,000	69,869,000	67,211,000	61,006,000	36,024,000	32,633,000	30,723,000	29,119,000	27,279,000	22,655,000	21,878,000	20,462,000	18,570,000	18,113,000	41,098,000	25,824,000	12,880,000
interest and dividends on investment securities	9,646,000	10,083,000	10,527,000	11,436,000	11,912,000	12,308,000	12,578,000	12,405,000	12,680,000	13,142,000	13,732,000	14,241,000	13,545,000	13,591,000	13,463,000	12,997,000	11,430,000	5,877,000	5,606,000	4,395,000	4,301,000	4,141,000	4,571,000	5,427,000	5,297,000	4,904,000	5,238,000	5,598,000	5,382,000	4,875,000	4,058,000	3,592,000	3,360,000	3,194,000	2,827,000	2,833,000	2,177,000	2,356,000	2,745,000	1,696,000	1,850,000	1,694,000	1,469,000	1,665,000	1,697,000	1,738,000	1,977,000	1,839,000	1,929,000	3,492,000	2,127,000	1,095,000
interest on balances with other banks and short-term investments	12,689,000	19,772,000	15,850,000	14,760,000	15,803,000	23,044,000	21,296,000	19,568,000	24,862,000	18,230,000	15,067,000	13,229,000	5,774,000	5,696,000	4,100,000	2,451,000	1,057,000	1,083,000	603,000	553,000	497,000	384,000	161,000	1,559,000	2,905,000	1,762,000	1,105,000	1,666,000	2,464,000	1,897,000	1,274,000	981,000	1,174,000	991,000	610,000	483,000	376,000	196,000	228,000	209,000	78,000	137,000	136,000	17,000	24,000	26,000	33,000	18,000	19,000
total interest income	131,901,000	149,526,000	150,103,000	151,443,000	153,878,000	168,417,000	173,813,000	169,731,000	175,602,000	167,421,000	161,149,000	156,510,000	140,247,000	129,130,000	111,527,000	95,635,000	88,321,000	89,152,000	94,920,000	94,194,000	94,680,000	93,833,000	97,672,000	103,801,000	107,183,000	109,034,000	108,279,000	105,134,000	105,581,000	102,360,000	96,296,000	89,049,000	86,526,000	82,370,000	79,344,000	75,794,000	72,431,000	69,772,000	63,981,000	37,933,000	34,575,000	32,568,000	30,741,000	28,996,000	24,421,000	23,689,000	22,508,000	20,432,000	20,067,000	44,753,000	28,009,000	14,014,000
interest expense
interest on deposits	66,181,000	79,147,000	79,385,000	78,912,000	77,211,000	83,002,000	81,190,000	76,846,000	79,383,000	78,239,000	70,929,000	59,422,000	48,954,000	39,239,000	26,125,000	11,538,000	6,359,000	6,590,000	6,799,000	7,899,000	9,511,000	10,995,000	12,514,000	20,546,000	23,089,000	24,576,000	22,461,000	20,900,000	20,314,000	16,719,000	14,048,000	9,129,000	7,820,000	7,233,000	6,403,000	5,830,000	4,840,000	4,530,000	3,739,000	2,940,000	2,940,000	3,468,000	4,613,000	4,397,000	4,005,000	4,317,000	4,538,000	5,052,000	5,557,000	13,130,000	8,336,000	4,428,000
interest on customer repurchase agreements		52,000	202,000	250,000	260,000	294,000	332,000	330,000	315,000	272,000	311,000	333,000	302,000	266,000	55,000	22,000	13,000	14,000	9,000	11,000	36,000	84,000	86,000	87,000	90,000	82,000	75,000	98,000	59,000	54,000	62,000	50,000	61,000	58,000	40,000	38,000	39,000	39,000	33,000	69,000	86,000	96,000	212,000	171,000
interest on other short-term borrowings			332,000	2,489,000	8,733,000	9,530,000	20,448,000			14,247,250	18,152,000	23,907,000	14,930,000	248,000	412,000	120,000	460,000																															118,000	40,000	381,000	298,000	190,000
interest on long-term borrowings	2,026,000	2,024,000	2,025,000	2,016,000	2,025,000					778,000	1,038,000	1,037,000	1,037,000	1,037,000	1,038,000	1,037,000	1,037,000	2,997,000	2,979,000	3,138,000	3,210,000	3,211,000	3,208,000	3,067,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,979,000	2,441,000	1,037,000	1,124,000	415,000	535,000	534,000	540,000	534,000	550,000	551,000	546,000	649,000	726,000	1,466,000	838,000	402,000
total interest expense	68,207,000	81,223,000	81,944,000	83,667,000	88,229,000	97,623,000	101,970,000	98,378,000	100,904,000	94,429,000	90,430,000	84,699,000	65,223,000	43,530,000	27,630,000	12,717,000	7,869,000	10,107,000	10,288,000	11,543,000	13,263,000	14,795,000	16,309,000	24,057,000	26,473,000	28,045,000	26,950,000	24,117,000	23,869,000	21,069,000	18,086,000	13,269,000	11,167,000	10,434,000	9,646,000	8,900,000	7,703,000	5,950,000	4,896,000	3,424,000	3,561,000	4,098,000	5,365,000	5,102,000	4,722,000	5,072,000	5,285,000	6,112,000	6,604,000	15,996,000	10,167,000	5,414,000
net interest income	63,694,000	68,303,000	68,159,000	67,776,000	65,649,000	70,794,000	71,843,000	71,353,000	74,698,000	72,992,000	70,719,000	71,811,000	75,024,000	85,600,000	83,897,000	82,918,000	80,452,000	79,045,000	84,632,000	82,651,000	81,417,000	79,038,000	81,363,000	79,744,000	80,710,000	80,989,000	81,329,000	81,017,000	81,712,000	81,291,000	78,210,000	75,780,000	75,359,000	71,936,000	69,698,000	66,894,000	64,728,000	63,822,000	59,085,000	34,509,000	31,014,000	28,470,000	25,376,000	23,894,000	19,699,000	18,617,000	17,223,000	14,320,000	13,463,000	28,757,000	17,842,000	8,600,000
provision for (reversal of) credit losses	13,382,000	15,468,000	113,215,000	138,159,000	26,255,000								6,164,000	182,500	3,022,000	495,000
provision for (reversal of) credit losses for unfunded commitments	-1,779,000	203,000	-38,000	1,759,000	-297,000								848,000	329,000	774,000	553,000
net interest income after provision for (reversal of) credit losses	52,091,000	52,632,000	-45,018,000	-72,142,000	39,691,000								68,012,000	61,305,250	80,101,000	81,870,000
noninterest income
service charges on deposits	1,732,000	1,840,000	1,773,000	1,771,000	1,743,000	1,744,000	1,747,000	1,653,000	1,699,000	1,688,000	1,631,000	1,626,000	1,510,000	1,429,000	1,339,000	1,345,000	1,286,000	1,204,000	1,122,000	977,000	988,000	1,061,000	942,000	1,425,000	1,453,000	1,494,000	1,606,000	1,694,000	1,826,000	1,814,000	1,760,000	1,614,000	1,723,000	1,626,000	1,543,000	1,472,000	1,431,000	1,424,000	1,374,000	1,285,000	935,000	979,000	880,000	672,000	814,000	756,000	730,000	717,000	738,000	1,534,000	913,000	429,000
gain on sale of loans	3,550,000	-1,137,000	-3,550,000				20,000	37,000		23,000	-5,000	95,000	305,000	534,000	821,000	855,000	1,492,000	3,332,000	3,478,000	5,178,000	5,840,000	12,226,000	3,079,000	944,000	2,600,000	2,563,000	1,923,000	1,388,000	1,331,000	1,434,000	1,675,000	1,523,000	2,535,000	2,173,000	2,519,000	2,048,000	3,009,000	3,992,000	2,483,000	5,649,000	2,584,000	4,139,000	1,065,000	1,106,000	739,000	197,000	54,000	527,000	131,000	406,000	279,000	127,000
net gain on sale of investment securities	3,000	9,000	-1,982,000	-1,854,000	4,000	4,000	3,000	3,000	4,000	3,000	5,000	2,000		-43,000	4,000	-151,000	-25,000
increase in the cash surrender value of bank-owned life insurance	5,679,000	5,636,000	5,293,000	5,161,000	4,282,000	742,000	731,000	709,000	703,000	687,000	669,000	648,000	655,000	472,250	631,000	632,000	626,000
other income	1,744,000	5,844,000	961,000	1,336,000	2,178,000	1,577,000	4,450,000	2,930,000	1,183,000	493,000	4,047,000	6,224,000	1,251,000	2,705,000	2,513,000	2,883,000	4,074,000	1,602,000	5,609,000	3,822,000	2,478,000	4,029,000	6,933,000	1,865,000	2,374,000	1,673,000	1,839,000	1,872,000	2,469,000	2,019,000	1,736,000	1,781,000	4,879,000	2,605,000	2,563,000	1,678,000	1,573,000	1,271,000	1,787,000	1,060,000	677,000	644,000	612,000	724,000	412,000	377,000	328,000	338,000	317,000	760,000	475,000	258,000
total noninterest income	12,708,000	12,192,000	2,495,000	6,414,000	8,207,000	4,067,000	6,951,000	5,332,000	3,589,000	2,894,000	6,347,000	8,595,000	3,700,000	5,329,000	5,308,000	5,564,000	7,453,000	8,299,000	10,925,000	10,587,000	9,887,000	17,844,000	12,495,000	5,470,000	6,734,000	6,314,000	6,360,000	6,291,000	6,089,000	5,640,000	5,553,000	5,304,000	9,495,000	6,784,000	7,023,000	6,070,000	6,405,000	7,575,000	6,099,000	8,111,000	4,441,000	6,012,000	3,511,000	3,193,000	2,333,000	2,010,000	1,222,000	3,103,000	1,432,000	3,105,000	1,910,000	940,000
noninterest expense
salaries and employee benefits	23,247,000	22,661,000	21,290,000	21,940,000	21,968,000	22,597,000	21,675,000	21,770,000	21,726,000	18,416,000	21,549,000	21,957,000	24,174,000	23,691,000	21,538,000	21,805,000	17,019,000	22,145,000	19,876,000	21,769,000	20,151,000	19,388,000	17,104,000	17,797,000	19,360,000	19,095,000	17,743,000	23,644,000	15,907,000	17,157,000	17,812,000	16,858,000	16,678,000	16,905,000	16,869,000	16,677,000	17,130,000	15,908,000	15,383,000	11,200,000	10,289,000	10,424,000	9,263,000	7,761,000	6,549,000	5,969,000	5,675,000	5,044,000	5,305,000	11,458,000	7,286,000	3,640,000
premises and equipment expenses	2,533,000	2,861,000	2,944,000	3,019,000	3,203,000	2,635,000	2,794,000	2,894,000	3,059,000	2,967,000	3,095,000	3,227,000	3,317,000	3,292,000	3,275,000	3,523,000	3,128,000	3,859,000	3,644,000	3,618,000	3,301,000	5,125,000	3,468,000	3,821,000	3,380,000	3,503,000	3,652,000	3,852,000	3,969,000	3,889,000	3,873,000	3,929,000	4,019,000	3,846,000	3,920,000	3,847,000	3,786,000	3,807,000	3,974,000	2,800,000	2,469,000	2,510,000	1,939,000	2,052,000	2,021,000	2,612,000	2,092,000	1,827,000	1,875,000	3,563,000	2,183,000	1,080,000
marketing and advertising	868,000	1,185,000	1,316,000	1,144,000	1,371,000	1,340,000	1,588,000	1,662,000	859,000	1,071,000	768,000	884,000	636,000	1,290,000	1,181,000	1,186,000	1,064,000	1,013,000	980,000	886,000	1,161,000	928,000	1,111,000	1,078,000	1,200,000	1,210,000	1,268,000	1,148,000	1,147,000	1,191,000	1,291,000	937,000	1,222,000	732,000	1,247,000	894,000	857,000	920,000	762,000	347,000	557,000	286,000	234,000	747,000	391,000	281,000	247,000	242,000	315,000	320,000	195,000	81,000
data processing	4,204,000	4,353,000	3,950,000	4,293,000	3,978,000	3,870,000	3,435,000	3,495,000	3,293,000	3,436,000	3,194,000	3,354,000	3,099,000	3,117,000	3,445,000	2,729,000	2,880,000	2,886,000	2,751,000	2,814,000	2,747,000	2,700,000	2,759,000	2,496,000	2,251,000	2,183,000	2,603,000	2,375,000	2,570,000	2,423,000	2,404,000	2,317,000	2,163,000	2,019,000	1,997,000	2,041,000	1,879,000	1,823,000	1,976,000	1,539,000	951,000	1,256,000	876,000	912,000	697,000	643,000	615,000	575,000	547,000
legal, accounting and professional fees	4,312,000	3,100,000	2,396,000	1,550,000	3,122,000	641,000	3,433,000	2,705,000	2,507,000	2,722,000	2,162,000	2,649,000	3,254,000	2,553,000	2,332,000	2,137,000	1,561,000	2,021,000	3,503,000	2,999,000	2,342,000	3,097,000	3,979,000	6,988,000	4,121,000	3,625,000	2,740,000	1,709,000	2,460,000	2,130,000	2,179,000	2,973,000	1,514,000	1,240,000	1,297,000	1,002,000	771,000	1,011,000	1,063,000	893,000	1,141,000	1,101,000	731,000	1,003,000	655,000	952,000	574,000	787,000	590,000	656,000	408,000	170,000
fdic insurance	7,009,000	7,709,000	6,665,000	8,077,000	8,962,000	9,281,000	7,399,000	5,917,000	6,412,000	4,444,000	3,342,000	2,581,000	1,486,000	1,718,000	1,287,000	906,000	1,058,000	1,549,000	1,609,000	2,428,000	2,385,000	2,152,000	1,980,000	1,424,000	879,000	85,000	1,126,000	1,116,000	953,000	933,000	951,000	675,000	491,000	929,000	590,000	544,000	629,000	755,000	794,000	582,000	579,000	489,000	285,000	600,000	692,000	701,000	634,000
other expenses	6,567,000	17,968,000	3,336,000	3,447,000	2,847,000	4,168,000	3,290,000	3,880,000	2,141,000	4,042,000	3,523,000		4,618,000	-19,720,000	3,148,000	26,676,000		2,902,000	3,131,000	3,473,000	2,921,000	3,525,000	4,491,000	3,743,000	3,114,750	3,772,000	4,227,000	4,460,000			3,779,000	3,432,000
total noninterest expense	48,740,000	69,837,000	41,897,000	43,470,000	45,451,000	44,532,000	43,614,000	146,491,000	39,997,000	37,098,000	37,633,000	37,978,000	40,584,000	38,918,000	36,206,000	58,962,000	31,012,000	36,375,000	35,494,000	37,987,000	35,008,000	36,915,000	34,892,000	37,347,000	34,726,000	33,473,000	33,359,000	38,304,000	31,687,000	31,614,000	32,289,000	31,121,000	29,803,000	29,516,000	30,001,000	29,232,000	28,838,000	28,295,000	27,405,000	20,697,000	18,537,000	18,562,000	15,723,000	14,933,000	12,929,000	13,137,000	11,463,000	11,573,000	10,293,000	20,310,000	12,740,000	6,208,000
income before income tax expense	16,059,000	-5,013,000	-84,420,000	-109,198,000	2,447,000	19,795,000	26,679,000	-79,373,000	2,659,000	24,892,000	34,628,000	36,872,000	31,128,000	52,314,000	49,203,000	28,472,000	59,691,000	58,456,000	64,680,000	58,043,000	50,973,000	55,438,000	38,289,000	31,445,000	49,773,000	50,644,000	50,730,000	45,644,000	53,514,000	52,876,000	49,824,000	47,994,000	50,964,000	47,283,000	45,154,000	42,335,000	40,007,000	39,214,000	34,517,000	18,558,000	12,475,000	11,950,000	10,277,000	8,939,000	7,141,000	5,389,000	5,293,000	4,132,000	3,036,000	9,023,000	5,478,000	2,612,000
income tax expense	1,341,000	-2,574,000	-16,907,000	-39,423,000	772,000	4,505,000	4,864,000	4,429,000	2,997,000	4,667,000	7,245,000	8,180,000	6,894,000	10,121,000	11,906,000	12,776,000	13,947,000	14,847,000	16,687,000	14,574,000	12,081,000	14,092,000	9,433,000	8,322,000	14,317,000	14,149,000	13,487,000	11,895,000	13,197,000	13,928,000	12,528,000	12,279,000	35,395,000	17,409,000	17,382,000	15,318,000	15,484,000	15,069,000	13,054,000	6,986,000	4,692,000	4,317,000	3,783,000	3,185,000	2,375,000	1,942,000	1,902,000	1,481,000	961,000	3,256,000	1,972,000	961,000
net income	14,718,000	-2,439,000	-67,513,000	-69,775,000	1,675,000	15,290,000	21,815,000	-83,802,000	-338,000	20,225,000	27,383,000	28,692,000	24,234,000	42,193,000	37,297,000	15,696,000	45,744,000	43,609,000	47,993,000	43,469,000	38,892,000	41,346,000	28,856,000	23,123,000	35,456,000	36,495,000	37,243,000	33,749,000	40,317,000	38,948,000	37,296,000	35,715,000	15,569,000	29,874,000	27,772,000	27,017,000	24,523,000	24,145,000	21,463,000	11,572,000	7,783,000	7,633,000	6,494,000	5,754,000	4,766,000	3,447,000	3,391,000	2,651,000	2,075,000	5,767,000	3,506,000	1,651,000
yoy	778.69%	-115.95%	-409.48%	-16.74%	-595.56%	-24.40%	-20.33%	-392.07%	-101.39%	-52.07%	-26.58%	82.80%	-47.02%	-3.25%	-22.29%	-63.89%	17.62%	5.47%	66.32%	87.99%	9.69%	13.29%	-22.52%	-31.49%	-12.06%	-6.30%	-0.14%	-5.50%	158.96%	30.37%	34.29%	32.19%	-36.51%	23.73%	29.39%	133.47%	215.08%	216.32%	230.51%	101.11%	63.30%	121.44%	91.51%	117.05%	129.69%	-40.23%	-3.28%	60.57%
qoq	-703.44%	-96.39%	-3.24%	-4265.67%	-89.05%	-29.91%	-126.03%	24693.49%	-101.67%	-26.14%	-4.56%	18.40%	-42.56%	13.13%	137.62%	-65.69%	4.90%	-9.13%	10.41%	11.77%	-5.94%	43.28%	24.79%	-34.78%	-2.85%	-2.01%	10.35%	-16.29%	3.51%	4.43%	4.43%	129.40%	-47.88%	7.57%	2.79%	10.17%	1.57%	12.50%	85.47%	48.68%	1.97%	17.54%	12.86%	20.73%	38.27%	1.65%	27.91%	27.76%	-64.02%	64.49%	112.36%
earnings per common share
basic	480	-80	-2,220	-2,300	60	510	720	-2,780	-10	680	910	940	780	1,320	1,160	490	1,430	1,360	1,500	1,360	1,210	1,280	900	700	1,060	1,070	1,080	980	1,180	1,140	1,090	1,040	460	870	810	790	730	720	640	490	380	370	320	250	220	160	160	160	120
diluted	480	-80	-2,220	-2,300	60	510	720	-2,780	-10	680	910	940	780	1,320	1,160	490	1,420	1,360	1,500	1,360	1,210	1,280	900	700	1,060	1,070	1,080	980	1,170	1,130	1,080	1,040	450	870	810	790	720	710	630	480	370	360	310	240	220	160	150	160	120
interest on federal funds sold		18,250	22,000	24,000	27,000	122,000	103,000	142,000	66,000	85,000	77,000	47,000	78,000	592,000	220,000	45,000	4,000	10,000	7,000	8,000	7,000	12,000	12,000	60,000	65,000	71,000	47,000	49,000	53,000	18,000	40,000	46,000	25,000	9,000	11,000	7,000	9,000	9,000	2,000	4,000	14,000	14,000	17,000	35,000	45,000	47,000	36,000	5,000	6,000	163,000	58,000	39,000
goodwill impairment								104,168,000
provision for credit losses						13,557,000	10,094,000	8,959,000	35,175,000	4,261,500	5,644,000									-2,350,000	4,917,000	6,607,000	19,737,000	14,310,000	2,536,500	3,186,000	3,600,000	3,360,000			1,650,000	1,969,000
(reversal of) provision for credit losses for unfunded commitments						-132,250	-1,593,000			81,750	-839,000
net interest income after (reversal of) provision for credit losses						41,048,750	63,342,000			50,045,250	65,914,000
interest on borrowings								21,202,000	21,206,000
provision for credit losses for unfunded commitments								608,000	456,000
net interest income after provision for credit losses								61,786,000	39,067,000											85,443,000	76,094,000	74,509,000	60,686,000	63,322,000	58,297,250	77,803,000	77,729,000	77,657,000			76,560,000	73,811,000
benefit from (reversal of) credit losses												5,238,000
benefit from credit losses for unfunded commitments												318,000
net interest income after benefit from (reversal of) credit losses												66,255,000
amortization of intangible assets												7,000
other incomes												3,319,000					4,302,000												2,775,500	3,891,000			3,716,000	3,845,000	4,081,000	4,227,000	3,786,000	4,071,000	3,451,000	3,336,000	2,551,000	2,496,000	2,395,000	1,858,000	1,924,000	1,979,000	1,626,000	1,624,000	1,185,000	4,313,000	2,668,000	1,237,000
net loss on sale of investment securities													-21,000
reversal of credit losses																	-2,787,000
reversal of credit losses for unfunded commitments																	-11,000
net interest income after reversal of credit losses																	83,250,000
interest on short-term borrowings																		506,000	501,000	495,000	506,000	505,000	501,000	357,000	315,000	408,000	1,435,000	140,000	517,000	1,317,000	997,000	1,111,000	307,000	164,000	224,000	53,000	383,000	344,000								9,000	18,000
(credit) provision for credit losses																		-8,203,000	-3,856,000
provision for unfunded commitments																		716,000	-761,000	-442,000	406,000	-2,078,000	940,000	2,112,000
net interest income after (credit) provision for credit losses																		86,532,000	89,249,000
gain on sale of investment securities																		1,519,000	318,000	221,000	165,000	115,000	713,000	822,000	-111,000	153,000	563,000	912,000	29,000		26,000	42,000		11,000	26,000	505,000	1,000	498,000	60,000	23,000	148,000	153,000	854,000	591,000	260,000	573,000		1,405,000	132,000	55,000	10,000	10,000
increase in the cash surrender value of bank owned life insurance																		642,000	398,000	389,000	416,000	413,000	828,000	414,000	418,000	431,000	429,000	425,000	434,000	373,000	356,000	344,000	358,000	369,000	372,000	367,000	391,000	390,000	395,000	94,000	97,000	97,000	100,000	100,000	108,000	107,000	110,000	116,000	114,000	350,000	233,000	116,000

benefit from credit losses																													1,515,000	2,441,000			4,087,000	1,921,000	1,566,000	1,397,000	2,288,000	3,888,000	3,262,000	3,365,000	4,443,000	3,970,000	2,887,000	3,215,000	1,962,000	2,101,000	1,689,000	1,718,000	1,566,000	2,529,000	1,534,000	720,000
net interest income after benefit from credit losses																													57,305,250	78,850,000			71,272,000	70,015,000	68,132,000	65,497,000	62,440,000	59,934,000	55,823,000	31,144,000	26,571,000	24,500,000	22,489,000	20,679,000	17,737,000	16,516,000	15,534,000	12,602,000	11,897,000	26,228,000	16,308,000	7,880,000
loss on early extinguishment of debt
merger expenses																																							2,000
preferred stock dividends																																							180,000	141,000
net income available to common shareholders																																					24,523,000	24,145,000	21,283,000	11,431,000	7,641,000	7,492,000	6,328,000	4,871,000	4,439,000	3,123,000		2,062,000	1,492,000
preferred stock dividends and discount accretion																																									142,000	141,000	166,000	883,000	327,000	324,000	320,000	589,000	583,000
and federal funds purchased																																													167,000	195,000
see notes to consolidated financial statements.
interest on customer repurchase agreements and
federal funds purchased																																															183,000	293,000	281,000
net income available to common stockholders																																															3,071,000
fdic insurance premiums																																																1,474,000
dividends declared per common share
fdic insurance and regulatory assessments																																																	476,000
interest on balances with other banks
interest on customer repurchase agreements and federal funds purchased																																																		1,019,000	695,000	394,000
earnings per share
basic																																																		0.58	0.36	0.17
diluted																																																		0.57	0.35	0.17
dividends declared per share																																																		0.12	0.12	0.06

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	2021-09-30	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	2015-09-30	2015-03-31	2014-06-30	2013-03-31	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2006-12-31	2006-09-30

assets
cash and due from banks	11,692,000		7,938,000	14,005,000	12,516,000		16,383,000	10,803,000	10,076,000		8,625,000	9,865,000	9,940,000	12,655,000	27,235,000	13,132,000	12,140,000	8,806,000	9,290,000	9,112,000		7,559,000	12,199,000	7,177,000	7,539,000	6,657,000	6,735,000	6,817,000	6,773,000	4,459,000	6,873,000	7,954,000	7,445,000	8,246,000	10,948,000	11,899,000	10,615,000	11,013,000	10,703,000	9,997,000	8,602,000	7,123,000	6,998,000	5,838,000	5,914,000	33,950,000	22,768,000	19,734,000	23,901,000	25,987,000	28,187,000	27,322,000	27,452,000	18,565,000	18,117,000	19,250	18,989,000
interest-bearing deposits with banks and other short-term investments	684,001,000		841,372,000	239,237,000	661,173,000		584,491,000	526,228,000	696,453,000		235,819,000	174,072,000	159,078,000		47,131,000	369,337,000	682,883,000
investment securities available-for-sale	976,770,000		1,073,412,000	1,170,489,000	1,214,237,000
investment securities held-to-maturity, net of allowance for credit losses of 907 and 1,030, respectively	854,780,000
federal reserve and federal home loan bank stock	28,327,000		28,306,000	30,613,000	51,467,000		37,728,000	54,274,000	54,678,000		25,689,000	46,199,000	79,134,000	65,067,000	42,311,000	33,990,000	29,026,000	34,093,000	34,033,000	33,978,000		40,061,000	40,018,000	39,988,000	35,194,000	28,725,000	33,993,000	34,995,000	23,506,000	37,257,000	35,875,000	34,768,000	36,324,000	30,980,000	28,603,000	25,573,000	19,920,000	19,864,000	16,865,000	16,793,000	10,626,000	11,154,000	10,950,000	11,374,000	9,430,000	9,748,000	10,406,000	9,774,000	10,285,000	10,417,000
loans held for sale, at lower of cost or fair value	90,650,000							5,000,000
loans held for investment, at amortized cost	7,280,459,000		7,304,679,000	7,721,664,000	7,943,306,000		7,970,269,000	8,001,739,000
less: allowance for credit losses	-159,604,000		-156,228,000	-183,796,000	-129,469,000		-111,867,000	-106,301,000	-99,684,000		-83,332,000	-78,029,000	-78,377,000		-75,767,000	-72,665,000	-71,505,000
loans held for investment, net of allowance	7,120,855,000		7,148,451,000	7,537,868,000	7,813,837,000		7,858,402,000	7,895,438,000
premises and equipment	12,800,000		10,503,000	7,103,000	7,079,000		8,291,000	8,788,000	9,504,000		11,216,000	11,979,000	12,929,000	13,475,000	13,684,000	13,643,000	14,014,000	15,293,000	15,941,000	15,045,000		12,204,000	12,970,000	13,687,000	14,622,000	14,515,000	15,176,000	15,798,000	16,851,000	17,457,000	19,055,000	19,808,000	20,991,000	19,546,000	20,153,000	20,535,000	19,370,000	18,209,000	17,070,000	18,185,000	17,797,000	16,094,000	13,634,000	12,864,000	11,162,000	10,395,000	10,217,000	8,658,000	8,687,000	8,711,000	9,245,000	9,488,000	9,724,000	6,561,000	6,445,000	6,954	7,122,000
right-of-use assets - operating leases	28,451,000		29,791,000	31,202,000	32,769,000		15,167,000	16,250,000	17,679,000
deferred income taxes	132,330,000		77,362,000	80,731,000	84,798,000		74,381,000	86,236,000	87,813,000		98,987,000	92,574,000	89,117,000	96,567,000	112,904,000	92,167,000	81,087,000	44,733,000	42,369,000	44,623,000		36,363,000	37,364,000	30,366,000	29,804,000	29,722,000	30,220,000	31,763,000	33,027,000	35,196,000	30,562,000	30,203,000	28,770,000	45,432,000	46,294,000	48,203,000	41,065,000	41,321,000	35,426,000	32,089,000	25,586,000	20,661,000	16,836,000	14,658,000	14,091,000	13,689,000	14,302,000	12,350,000	12,279,000	11,909,000	12,404,000	10,878,000	5,392,000	4,362,000	3,218,000	3,278
bank-owned life insurance	335,177,000		330,426,000	325,174,000	320,055,000		115,064,000	114,333,000	113,624,000		112,234,000	111,565,000	111,217,000		110,678,000	110,047,000	109,415,000
other real estate owned	2,059,000		14,684,000	2,459,000	2,459,000		2,743,000	773,000	773,000		1,487,000	1,487,000	1,962,000	1,962,000	1,962,000	1,487,000	1,635,000	5,135,000	4,987,000	4,987,000		4,987,000	8,237,000	8,237,000	1,487,000	1,487,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	1,394,000	5,194,000	3,152,000	9,952,000	12,338,000	8,843,000	9,199,000	4,438,000	3,014,000	2,941,000	3,434,000	3,529,000	4,581,000	3,556,000	3,906,000	3,081,000	3,289,000
other assets	219,311,000		242,876,000	223,919,000	174,268,000		167,840,000	174,396,000	177,310,000		190,667,000	177,759,000	171,183,000	162,192,000	155,113,000	138,629,000	139,616,000	134,209,000	121,458,000	137,033,000		120,206,000	105,315,000	90,349,000	85,644,000	81,118,000	81,480,000	78,495,000	88,392,000	84,701,000	85,343,000	97,737,000	71,784,000	75,723,000	61,469,000	53,247,000	56,218,000	53,170,000	49,124,000	45,271,000	42,092,000	18,636,000	22,776,000	25,998,000	16,265,000	15,221,000	17,408,000	15,395,000	19,053,000	19,305,000	8,791,000	11,833,000	13,794,000	5,624,000	5,653,000
total assets	10,497,203,000	10,497,203,000	10,815,502,000	10,601,331,000	11,317,361,000	11,129,508,000	11,285,052,000	11,302,023,000	11,612,648,000	11,664,538,000	11,164,214,000	11,034,741,000	11,088,867,000	11,150,854,000	10,713,044,000	10,941,655,000	11,227,223,000	11,585,317,000	10,960,718,000	11,127,864,000	11,117,802,000	10,106,294,000	9,799,670,000	9,992,219,000	8,988,719,000	9,003,467,000	8,670,003,000	8,388,406,000	8,389,137,000	8,057,855,000	7,880,017,000	7,698,060,000	7,479,029,000	7,393,656,000	7,244,527,000	7,090,163,000	6,762,132,000	6,365,320,000	5,888,958,000	5,500,340,000	3,914,444,000	3,324,865,000	2,962,897,000	2,815,549,000	3,219,746,000	2,353,716,000	2,186,268,000	2,006,146,000	1,937,265,000	1,832,991,000	1,590,206,000	1,495,774,000	1,457,545,000	915,800,000	899,467,000	773,451	727,367,000
liabilities and shareholders’ equity
liabilities
deposits:
noninterest-bearing demand	1,433,952,000		1,577,197,000	1,532,132,000	1,607,826,000		1,609,823,000	1,693,955,000	1,835,524,000		2,072,665,000	2,010,353,000	2,247,706,000		2,928,774,000	2,831,934,000	2,951,594,000
interest-bearing transaction	1,038,154,000		932,500,000	895,604,000	926,722,000		903,300,000	1,123,980,000	1,207,566,000		932,779,000	930,308,000	907,637,000		964,567,000	985,431,000	888,598,000
savings and money market	3,624,813,000		3,702,579,000	3,267,630,000	3,558,919,000		3,316,819,000	3,165,314,000	3,235,391,000		3,129,773,000	2,791,040,000	2,970,093,000	3,640,697,000	4,220,768,000	4,741,180,000	5,047,548,000	5,268,157,000	4,653,161,000	4,875,840,000		3,956,553,000	3,504,718,000	3,950,495,000	3,013,129,000	3,034,530,000	2,712,143,000	2,515,269,000	2,949,559,000	2,573,258,000	2,658,768,000	2,767,721,000	2,621,146,000	2,818,871,000	2,730,981,000	2,794,030,000	2,802,519,000	2,634,446,000	2,514,310,000	2,405,435,000	1,899,430,000	1,456,318,000	1,197,974,000	1,084,622,000	986,585,000	819,004,000	780,386,000	693,381,000	709,987,000	624,197,000	375,007,000	303,022,000	281,215,000	187,275,000	193,348,000	159,778	146,829,000
time deposits	3,036,687,000		3,251,283,000	3,424,241,000	3,183,801,000									783,499,000
total deposits	9,133,606,000		9,463,559,000	9,119,607,000	9,277,268,000		8,540,850,000	8,267,348,000	8,501,439,000		8,376,306,000	7,718,127,000	7,463,241,000	8,713,182,000	8,763,350,000	9,171,618,000	9,586,259,000	9,668,488,000	9,019,047,000	9,198,844,000		8,178,785,000	7,935,972,000	8,141,568,000	7,224,391,000	7,402,513,000	6,949,892,000	6,682,919,000	6,974,285,000	6,372,305,000	6,268,758,000	6,121,801,000	5,853,984,000	5,913,952,000	5,867,697,000	5,789,489,000	5,558,149,000	5,335,988,000	4,926,588,000	4,584,365,000	3,367,927,000	2,812,930,000	2,514,011,000	2,368,235,000	2,747,349,000	1,940,834,000	1,826,880,000	1,646,091,000	1,577,991,000	1,476,939,000	1,248,230,000	1,148,718,000	1,137,367,000	698,441,000	685,740,000	628,515	588,187,000
long-term borrowings	76,428,000	76,428,000	76,346,000	76,264,000	76,181,000	76,108,000	75,812,000				69,887,000	69,856,000	69,825,000	69,794,000	69,763,000	69,732,000	69,701,000	69,639,000	218,273,000	218,175,000		267,980,000	267,882,000	267,784,000	217,687,000	217,589,000	217,491,000	217,394,000	217,296,000	217,198,000	217,100,000	217,003,000	216,905,000	216,807,000	216,710,000	216,612,000	216,419,000	68,989,000	70,000,000	79,300,000	39,300,000	39,300,000	49,300,000	49,300,000	49,300,000	49,300,000	49,300,000	49,300,000	49,300,000	49,300,000	32,150,000	62,150,000	76,150,000	50,000,000	40,000,000	22,000
operating lease liabilities	35,256,000		36,278,000	37,297,000	38,484,000		18,755,000	20,016,000	21,611,000		24,422,000	26,007,000	27,634,000	29,267,000	30,837,000	32,414,000	33,935,000	34,345,000	31,662,000	33,338,000		30,457,000	27,137,000	28,242,000	29,959,000	29,586,000	31,659,000	32,752,000
reserve for unfunded commitments	5,090,000		4,886,000	4,925,000	3,166,000		5,060,000	6,653,000	6,045,000		6,183,000	7,023,000	6,704,000	5,857,000	5,696,000	4,921,000	4,369,000	5,011,000	4,295,000	5,056,000		5,092,000	7,170,000	6,230,000
other liabilities	115,540,000		97,232,000	104,729,000	155,014,000		147,111,000	139,348,000	117,133,000		145,842,000	120,186,000	127,850,000	94,332,000	87,162,000	103,711,000	75,112,000	146,736,000	61,454,000	91,557,000		76,285,000	42,416,000	54,240,000	45,021,000	38,888,000	29,710,000	30,435,000	58,202,000	45,255,000	41,887,000	50,711,000	56,141,000	55,346,000	38,083,000	53,860,000	50,283,000	41,207,000	41,408,000	36,556,000	19,750,000	18,119,000	11,612,000	10,426,000	16,964,000	9,658,000	10,216,000	9,307,000	7,127,000	6,450,000	22,415,000	9,459,000	24,192,000	5,436,000	6,463,000	3,956	7,639,000
total liabilities	9,365,920,000	9,365,920,000	9,692,026,000	9,416,264,000	10,072,470,000	9,903,447,000	10,059,628,000	10,132,564,000	10,353,235,000	10,390,255,000	9,948,330,000	9,814,975,000	9,846,909,000	9,922,533,000	9,493,273,000	9,688,935,000	9,947,669,000	10,253,620,000	9,654,382,000	9,867,031,000	9,876,910,000	8,882,892,000	8,611,775,000	8,829,441,000	7,798,038,000	7,818,873,000	7,485,421,000	7,239,918,000	7,280,196,000	6,996,204,000	6,856,880,000	6,712,880,000	6,528,591,000	6,459,674,000	6,341,852,000	6,217,121,000	5,946,493,000	5,576,692,000	5,102,889,000	4,758,810,000	3,487,623,000	2,963,013,000	2,672,627,000	2,539,541,000	2,961,284,000	2,136,689,000	1,976,149,000	1,803,845,000	1,740,522,000	1,640,526,000	1,444,958,000	1,351,245,000	1,356,952,000	831,587,000	815,930,000	700,535	656,800,000
shareholders’ equity
common stock, par value 0.01 per share...	300,000		300,000	300,000	300,000		298,000	297,000	297,000		296,000	296,000	308,000	310,000	318,000	318,000	318,000	316,000	316,000	316,000		320,000
additional paid-in capital	382,499,000		389,305,000	388,927,000	386,535,000		382,284,000	380,142,000	377,334,000		372,394,000	370,278,000	397,012,000		442,880,000	440,418,000	437,820,000
retained earnings	837,643,000		831,685,000	904,205,000	978,995,000		967,019,000	949,863,000	1,047,550,000		1,054,699,000	1,040,779,000	1,025,552,000	1,015,215,000	987,212,000	964,353,000	963,140,000	901,218,000	870,397,000	833,598,000		766,219,000	731,973,000	710,072,000	705,105,000	677,055,000	647,887,000	618,243,000	584,494,000	544,177,000	505,229,000	467,933,000	431,544,000	415,975,000	386,100,000	358,328,000	305,594,000	281,071,000	211,318,000	169,291,000	121,553,000	117,577,000	86,556,000	78,911,000	64,389,000	58,209,000	53,349,000	43,833,000	39,400,000	36,288,000	28,575,000	26,486,000	23,223,000	30,523,000	29,258,000	22,796	21,212,000
accumulated other comprehensive income	-89,159,000		-97,814,000	-108,365,000	-120,939,000													-2,316,000	4,520,000			14,271,000	14,668,000	13,065,000	2,959,000	4,637,000	3,767,000										-940,000	-1,324,000	1,241,000	3,280,000	1,838,000	4,508,000	5,393,000	4,897,000	4,384,000	3,215,000	2,295,000	4,830,000	4,006,000	3,152,000	1,097,000	2,692,000	612,000	191,000	1,303,000
total shareholders’ equity	1,131,283,000	1,131,283,000	1,123,476,000	1,185,067,000	1,244,891,000	1,226,061,000				1,274,283,000				1,228,321,000				1,331,697,000	1,306,336,000	1,260,833,000	1,240,892,000	1,223,402,000	1,187,895,000	1,162,778,000	1,190,681,000	1,184,594,000	1,184,582,000	1,148,488,000	1,108,941,000	1,061,651,000	1,023,137,000	985,180,000	950,438,000	933,982,000	902,675,000								290,270,000	276,008,000	258,462,000	217,027,000
total liabilities and shareholders’ equity	10,497,203,000		10,815,502,000	10,601,331,000	11,317,361,000									11,150,854,000				11,585,317,000	10,960,718,000	11,127,864,000		10,106,294,000	9,799,670,000	9,992,219,000	8,988,719,000	9,003,467,000	8,670,003,000	8,388,406,000	8,389,137,000	8,057,855,000	7,880,017,000	7,698,060,000	7,479,029,000	7,393,656,000	7,244,527,000								2,962,897,000	2,815,549,000	3,219,746,000	2,353,716,000
consolidated balance sheets:
securities - available-for-sale		976,770,000
securities - held-to-maturity		854,780,000
loans held for sale		90,650,000	136,506,000	37,576,000	15,251,000								6,488,000	6,734,000	9,387,000	13,814,000	25,504,000	53,413,000	55,949,000	142,196,000	88,205,000	79,084,000	68,433,000	60,036,000	56,707,000	52,199,000	37,506,000	20,268,000	19,254,000	18,728,000	30,493,000	25,873,000	25,096,000	25,980,000	49,327,000	29,567,000	78,118,000	59,323,000	35,713,000	62,758,000	35,411,000	132,698,000	102,767,000	87,496,000	107,907,000	25,489,000	12,459,000	70,889,000	24,491,000	1,089,000	10,502,000	2,832,000	2,844,000	1,484,000	1,945,000	2,157	5,825,000
loans held for investment		7,280,459,000
allowance for credit losses		-159,604,000				-114,390,000				-85,940,000											109,579,000
deposits		9,133,606,000				9,131,078,000				8,808,039,000											9,189,203,000
other short-term borrowings				50,000,000	490,000,000	490,000,000	1,240,000,000				1,300,001,000	1,836,759,000	2,113,801,000	975,001,000	515,000,000	280,000,000	150,000,000	300,000,000	300,000,000	300,000,000		300,000,000	300,000,000	300,000,000	250,000,000	100,000,000	225,000,000	250,000,000		325,000,000	300,000,000	275,000,000	325,000,000	200,000,000	145,000,000	75,000,000	50,000,000	50,000,000												10,000,000	30,000,000	10,000,000	15,000,000	15,000,000	22,000,000	8,000	25,000,000
consolidated statements of operations:
interest income		687,563,000				625,327,000				424,613,000											389,986,000
interest expense		398,875,000				334,781,000				91,746,000											68,424,000
provision for credit losses		66,360,000				31,536,000															45,571,000
noninterest income		19,939,000				21,536,000				23,654,000											45,696,000
goodwill impairment		104,168,000
noninterest expense		274,634,000				153,293,000				165,098,000											144,162,000
income before income tax expense		-30,240,000				127,520,000
income tax expense		16,795,000				26,986,000				48,750,000											43,928,000
net income		-47,035,000				100,534,000				140,930,000											132,217,000
cash dividends declared		32,117,000				54,293,000				55,776,000											28,330,000
total net revenue		308,627,000				312,082,000
per common share data:
net income, basic		-1,560				3,310
net income, diluted		-1,560				3,310
dividends declared		1,070				1,800
book value		40,600				42,580
common shares outstanding		30,202,003,000				29,925,612,000
weighted-average common shares outstanding, basic		30,157,051,000				30,345,504,000
weighted-average common shares outstanding, diluted		30,157,051,000				30,393,100,000
federal funds sold			1,457,000	4,091,000	2,968,000		9,610,000	5,802,000	11,343,000		13,611,000	3,981,000	3,746,000	33,927,000	69,809,000	42,697,000	27,359,000	38,934,000	20,346,000	25,785,000		30,830,000	25,466,000	28,277,000	38,987,000	27,711,000	17,914,000	15,403,000	11,934,000	17,284,000	9,251,000	29,552,000	15,767,000	8,548,000	7,417,000	3,222,000	5,262,000	5,444,000	4,076,000	2,700,000	9,480,000	5,811,000	19,854,000	18,990,000	22,088,000	42,955,000	74,209,000	72,101,000	89,755,000	66,839,000	27,044,000	6,147,000	11,668,000	63,000	16,013,000	9,727	3,953,000
investment securities held-to-maturity, net of allowance for credit losses of 1,199 and 1,306, respectively			872,418,000
customer repurchase agreements			13,725,000	23,442,000	32,357,000		32,040,000	39,220,000	37,059,000		25,689,000	37,017,000	37,854,000	35,100,000	21,465,000	26,539,000	28,293,000	29,401,000	19,651,000	20,061,000		24,293,000	31,198,000	31,377,000	30,980,000	30,297,000	31,669,000	26,418,000	30,413,000	36,446,000	29,135,000	48,365,000	76,561,000	73,569,000	74,362,000	82,160,000	71,642,000	80,508,000	64,893,000	58,589,000	60,646,000	92,664,000	97,704,000	111,580,000	147,671,000	136,897,000	89,753,000
investment securities held-to-maturity, net of allowance for credit losses of 1,229 and 1,306, respectively				896,855,000
intangible assets				9,000																	105,114,000	105,165,000	104,651,000	104,695,000	104,739,000	104,915,000	105,219,000	105,466,000	105,766,000	106,481,000	106,820,000	107,097,000	107,212,000	107,150,000	107,061,000	107,061,000	107,694,000	108,021,000	109,498,000	109,617,000	3,379,000	3,659,000	3,978,000	4,066,000	4,154,000	4,070,000	4,330,000	4,242,000	4,277,000	4,347,000	4,392,000
investment securities held-to-maturity, net of allowance for credit losses of 1,275 and 1,306, respectively					924,473,000
goodwill and other intangible assets					11,000		21,000	129,000	104,611,000		105,239,000	104,220,000	104,226,000		104,240,000	104,257,000	104,241,000
securities - available for sale						1,267,404,000				1,506,388,000
securities - held to maturity						938,647,000				1,015,737,000
loans						7,934,888,000			7,982,702,000	7,968,695,000	7,916,391,000	7,766,719,000	7,737,676,000	7,635,632,000	7,304,498,000	7,154,686,000	7,113,807,000	6,850,863,000	7,259,558,000	7,526,689,000	7,760,212,000	7,880,255,000	8,021,761,000	7,840,873,000	7,545,748,000	7,559,161,000	7,392,615,000	7,173,058,000	6,991,447,000	6,844,672,000	6,651,704,000	6,602,526,000	6,411,528,000	6,084,204,000	5,985,031,000	5,824,946,000	5,481,975,000	5,403,429,000	4,776,965,000	4,444,893,000	3,279,429,000	2,548,024,000	2,319,237,000	2,186,940,000	2,029,645,000	1,948,476,000	1,790,084,000	1,530,946,000	1,504,413,000	1,427,223,000	1,313,394,000	1,267,958,000	1,170,583,000	795,102,000	759,547,000	625,773	591,232,000
goodwill and intangible assets						16,000				104,925,000				104,233,000				105,103,000	105,148,000	105,179,000
tangible common equity						1,226,045,000				1,169,358,000											1,135,778,000
tangible book value						39,080
investment securities available-for-sale (amortized cost of 1,550,038 and 1,668,316, respectively, and allowance for credit losses of 17 and 17, respectively).							1,433,006,000
investment securities held-to-maturity, net of allowance for credit losses of 1,237 and 1,956, respectively							961,925,000
liabilities and shareholders' equity
time							2,710,908,000	2,284,099,000	2,222,958,000		2,241,089,000	1,986,426,000	1,337,805,000		649,241,000	613,073,000	698,519,000
shareholders' equity
accumulated other comprehensive loss							-124,177,000	-160,843,000	-165,768,000		-211,505,000	-191,587,000	-180,914,000		-210,639,000	-152,369,000	-121,724,000											-992,000	-4,275,000	-9,290,000	-6,609,000	-5,410,000		-949,000	-1,121,000	-1,281,000
total shareholders' equity							1,225,424,000	1,169,459,000	1,259,413,000		1,215,884,000	1,219,766,000	1,241,958,000		1,219,771,000	1,252,720,000	1,279,554,000																			873,042,000	815,639,000	788,628,000	786,069,000	741,530,000	426,821,000	361,852,000					210,119,000	202,301,000
total liabilities and shareholders' equity							11,285,052,000	11,302,023,000	11,612,648,000		11,164,214,000	11,034,741,000	11,088,867,000		10,713,044,000	10,941,655,000	11,227,223,000																			7,090,163,000	6,762,132,000	6,365,320,000	5,888,958,000	5,500,340,000	3,914,444,000	3,324,865,000					2,186,268,000	2,006,146,000
investment securities available-for-sale (amortized cost of 1,584,435 and 1,668,316, respectively, and allowance for credit losses of 17 and 17, respectively).								1,420,618,000
investment securities held-to-maturity, net of allowance for credit losses of 2,012 and 1,956, respectively								982,955,000
loans:
total loans								7,900,438,000
borrowings								1,659,979,000	1,669,948,000	1,369,918,000											568,077,000
investment securities available-for-sale (amortized cost of 1,613,659 and 1,668,316, respectively, and allowance for credit losses of 17 and 17, respectively).									1,445,034,000
investment securities held-to-maturity, net of allowance for credit losses of 1,957 and 1,956, respectively									1,000,732,000
consolidated statements of income:
provision for (reversal of) credit losses										266,000
income before taxes										189,680,000											176,145,000
total revenue										356,521,000											435,682,000
investment securities available-for-sale (amortized cost of 1,700,233 and 1,803,898, respectively, and allowance for credit losses of 17 and 17, respectively).											1,474,945,000
investment securities held-to-maturity, net of allowance for credit losses of 2,010 and 766, respectively											1,032,485,000
operating lease right-of-use assets											20,151,000	21,580,000	23,060,000	24,544,000	26,022,000	27,548,000	28,969,000	30,080,000	29,066,000	30,707,000		27,180,000	25,368,000	25,655,000	27,372,000	26,552,000	28,214,000	28,928,000
investment securities available-for-sale (amortized cost of 1,732,722 and 1,803,898, respectively, and allowance for credit losses of 17 and 17, respectively).												1,535,589,000
investment securities held-to-maturity, net of allowance for credit losses of 2,010 and 766, respectively,												1,055,181,000
investment securities available-for-sale (amortized cost of 1,763,371 and 1,803,898, respectively, and allowance for credit losses of 31 and 17, respectively).													1,582,185,000
investment securities held-to-maturity, net of allowance for credit losses of 2,008 and 766, respectively,													1,075,303,000
interest bearing deposits with banks and other short-term investments														265,272,000				2,452,744,000	1,566,586,000	1,708,374,000		818,719,000	598,377,000	904,160,000	195,447,000	361,154,000	171,985,000	99,870,000	303,157,000	162,734,000	249,667,000	167,347,000	167,261,000	432,156,000	429,336,000	464,061,000	503,150,000	230,041,000	291,276,000	402,964,000	97,400,000	257,957,000	122,639,000	117,326,000	718,848,000	10,202,000	10,188,000	7,577,000	8,062,000	7,541,000	2,426,000	3,538,000	6,958,000	1,391,000	2,230,000
investment securities available-for-sale, at fair value (net of allowance for credit losses of 17 and 620 as of december 31, 2022 and december 31, 2021, respectively).														1,598,666,000
investment securities held-to-maturity														1,093,374,000
less allowance for credit losses														-74,444,000				-82,906,000	-92,560,000	-102,070,000		-110,215,000	-108,796,000	-96,336,000	-73,658,000	-73,720,000	-72,086,000	-69,943,000	-69,944,000	-68,189,000	-66,609,000	-65,807,000		-62,967,000	-61,047,000	-59,848,000	-56,864,000	-56,536,000	-50,320,000	-47,779,000	-43,552,000	-38,811,000					-25,582,000	-22,240,000	-21,741,000	-21,045,000	-19,650,000	-19,051,000				-7,373
bank owned life insurance														110,998,000				108,158,000	107,516,000	77,119,000		76,326,000	75,913,000	76,139,000	75,724,000	74,726,000	74,295,000	73,865,000	73,441,000	73,007,000	62,647,000	61,291,000	60,947,000	61,238,000	60,869,000	60,496,000	59,747,000	59,357,000	58,284,000	56,983,000	40,361,000	14,229,000	13,936,000	13,839,000	13,643,000	13,543,000	13,443,000	13,237,000	13,130,000	13,022,000	12,680,000	12,564,000	12,334,000	12,217,000	12,100,000
noninterest bearing demand														3,150,751,000				2,836,418,000	2,641,636,000	2,594,334,000		2,384,108,000	2,416,058,000	1,994,209,000	2,064,367,000	2,051,106,000	1,873,902,000	2,216,270,000	2,104,220,000	2,057,886,000	2,022,916,000	1,909,210,000	1,982,912,000	1,843,157,000	1,851,437,000	1,831,837,000	1,668,271,000	1,631,732,000	1,402,447,000	1,196,165,000	945,485,000	756,177,000	773,119,000	698,636,000	1,106,689,000	436,880,000	402,041,000	380,167,000	313,812,000	291,714,000	231,171,000	232,725,000	214,160,000	143,335,000	143,508,000	139,917	143,963,000
interest bearing transaction														1,138,235,000				812,410,000	946,228,000	862,709,000		823,607,000	861,703,000	931,597,000	863,856,000	918,011,000	862,553,000	588,326,000	593,107,000	459,455,000	435,484,000	366,986,000	420,417,000	429,247,000	405,210,000	372,947,000	297,973,000	293,401,000	207,716,000	178,291,000	128,415,000	99,187,000	95,827,000	75,751,000	69,762,000	67,458,000	61,219,000	62,722,000	54,489,000	48,865,000	55,624,000	47,840,000	62,177,000	55,017,000	47,822,000	66,596	60,318,000
additional paid in capital														412,303,000				432,479,000	431,103,000	428,917,000		442,592,000	440,934,000	439,321,000	482,286,000	502,566,000	532,585,000	530,894,000	528,380,000	526,423,000	524,176,000	522,316,000	520,304,000	518,616,000	517,356,000	515,656,000	509,706,000	507,602,000	500,334,000	495,784,000	245,629,000	181,993,000	140,572,000	134,455,000	131,946,000	131,225,000	130,703,000	129,958,000	129,701,000	129,434,000	77,099,000	76,958,000	76,643,000	53,401,000	52,878,000	50,278	49,636,000
accumulated other comprehensive														-199,507,000																																										-253
investment securities available-for-sale (amortized cost of 1,873,872 and 2,642,667, respectively, and allowance for credit losses of 18 and 620, respectively).															1,649,753,000
investment securities held-to-maturity, net of allowance for credit losses of 802 and 0															1,114,084,000
investment securities available-for-sale (amortized cost of 1,897,985 and 2,642,667, respectively, and allowance for credit losses of 18 and 620, respectively).																1,755,254,000
investment securities held-to-maturity, net of allowance for credit losses of 826 and 0																1,143,632,000
investment securities available-for-sale (amortized cost of 1,873,491 and 2,642,667, respectively, and allowance for credit losses of 18 and 620, respectively).																	1,775,633,000
investment securities held-to-maturity, net of allowance for credit losses of 817 and 0																	1,153,399,000
investment securities (amortized cost of 1,789,416 and 1,129,255 and allowance for credit losses of 256 and 167 as of september 30, 2021 and december 31, 2020, respectively).																		1,786,659,000
time, 100 thousand or more																		347,937,000
other time																		403,566,000	334,180,000	351,963,000		460,568,000	625,623,000	656,912,000	619,052,000	626,526,000	699,825,000	571,098,000	525,442,000	523,554,000	476,062,000	479,577,000	313,827,000	340,352,000	389,964,000	334,845,000	337,371,000	342,307,000	362,867,000	391,783,000	208,534,000	284,911,000	207,804,000	215,656,000	233,185,000	236,726,000	212,908,000	185,422,000	185,622,000	191,160,000	301,833,000	308,625,000	304,519,000	141,687,000	124,059,000	103,729	74,680,000
investment securities (amortized cost of 1,674,264 and 1,129,057 and allowance for credit losses of 132 and 167 as of june 30, 2021 and december 31, 2020, respectively).																			1,681,031,000
time, 100,000 or more																			443,842,000	513,998,000		553,949,000	527,870,000	608,355,000	663,987,000	772,340,000	801,469,000	791,956,000	801,957,000	758,152,000	675,528,000	598,307,000	515,682,000	482,325,000	490,105,000	455,830,000	452,015,000	434,102,000	439,248,000	412,691,000	186,063,000	216,337,000	239,287,000	293,570,000	351,128,000	380,766,000	370,326,000	324,399,000	314,081,000	321,003,000	284,595,000	256,506,000	275,296,000	171,127,000	177,003,000	158,495	162,397,000
investment securities (amortized cost of 1,370,927 and 1,129,057 and allowance for credit losses of 78 and 167 as of march 31, 2021 and december 31, 2020, respectively).																				1,369,107,000
accumulated other comprehensive (loss) income																				-1,998,000
balance sheets - period end
securities																					1,151,083,000
statements of income
net income available to common shareholders																					132,217,000
investment securities available for sale, at fair value (amortized cost of 956,803 and 839,192 and allowance for credit losses of 156 and 0 as of september 30, 2020 and december 31, 2019, respectively).																						977,570,000

investment securities available for sale, at fair value (amortized cost of 750,653 and 839,192 and allowance for credit losses of 138 and 0 as of june 30, 2020 and december 31, 2019, respectively).																							772,394,000
common stock																							320,000	320,000	331,000	336,000	343,000	343,000	342,000	341,000	341,000	341,000	340,000	340,000	340,000	339,000	333,000	333,000	330,000	329,000	255,000	228,000	203,000	199,000	197,000	197,000
investment securities available-for-sale, at fair value																								858,916,000	843,363,000	708,545,000	745,343,000	772,229,000	784,139,000	722,674,000	656,942,000	578,317,000	589,268,000	556,026,000	497,672,000	499,807,000	430,668,000	409,512,000	524,326,000
warrant																																					946,000	946,000	946,000	946,000	946,000	946,000	946,000	946,000	946,000	946,000	946,000
preferred stock, par value .01 per share, shares authorized 1,000,000,
series b, 1,000 per share liquidation preference, shares issued and outstanding -0- at september 30, 2016 and december 31, 2015, and 56,600 at september 30, 2015; series c, 1,000 per share liquidation preference, shares issued and outstanding -0- at september 30, 2016 and december 31, 2015, and 15,300 at september 30, 2015
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding -0- at june 30, 2016 and december 31, 2015, and 56,600 at june 30, 2015; series c, 1,000 per share liquidation preference, shares issued and outstanding -0- at june 30, 2016 and december 31, 2015, and 15,300 at june 30, 2015
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at september 30, 2015, december 31, 2014 and september 30, 2014; series c, 1,000 per share liquidation preference, shares issued and outstanding 15,300 at september 30, 2015, and december 31, 2014, and -0- at september 30, 2014																																							71,900,000
investment securities available for sale, at fair value																																								333,531,000	378,990,000	318,431,000	338,933,000	345,021,000	292,257,000	250,019,000	228,507,000	258,902,000	237,117,000	253,740,000	177,710,000	158,976,000	213,915,000	79,585,000	82,932,000	91,140	79,638,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued andoutstanding 56,600 at march 31, 2015, december 31, 2014 and march 31, 2014; series c, 1,000 per share liquidation preference, shares issued and outstanding 15,300 at march 31, 2015, december 31, 2014 and -0- at march 31, 2014																																								71,900,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at june 30, 2014, december 31, 2013 and june 30, 2013																																									56,600,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at march 31, 2013, december 31, 2012 and march 31, 2012.																																										56,600,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series a, 1,000 per share liquidation preference, shares issued and outstanding 23,235 at june 30, 2011
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at june 30, 2012 and december 31, 2011																																											56,600,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series a, 1,000 per share liquidation preference, shares issued and outstanding 23,235 at march 31, 2011, discount of 554
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at march 31, 2012 and december 31, 2011																																												56,600,000
preferred stock, par value .01 per share, shares authorized 1,000,000, series a, 1,000 per share liquidation preference, shares issued and outstanding 0 at september 30, 2011 and 23,235 at december 31, 2010, discount of 0 and 653 respectively
preferred stock, par value .01 per share, shares authorized 1,000,000, series b, 1,000 per share liquidation preference, shares issued and outstanding 56,600 at september 30, 2011 and 0 at december 31, 2010																																													56,600,000
preferred stock, par value .01 per share; shares authorized 1,000,000, series a, 1,000 per share liquidation preference, shares issued and outstanding 23,235 at each period, discount of -0-, and 601 respectively																																														23,235,000
liabilities and stockholders' equity
preferred stock, par value .01 per share, shares authorized
1,000,000, series a, 1,000 per share liquidation preference,
shares issued and outstanding 23,235 at each period, discount
of 554, and 601 respectively																																															22,629,000
issued and outstanding 19,811,532 and 19,700,387, respectively																																															197,000
and federal funds purchased																																																99,147,000	106,104,000	97,837,000	112,163,000	120,918,000
shares issued and outstanding 23,235 at each period
discount of 645 and 570, respectively																																																22,537,000
issued and outstanding 19,671,797 and 19,534,226, respectively																																																197,000
warrants																																																946,000	946,000	946,000	1,892,000	1,892,000
see notes to consolidated financial statements.
stockholders' equity
shares issued and outstanding 23,235 and 23,235, respectively,
discount of 690 and 570, respectively																																																	22,493,000
issued and outstanding 19,652,918 and 19,534,226, respectively																																																	197,000
total stockholders' equity																																																	196,743,000	192,465,000	145,248,000	144,529,000
total liabilities and stockholders' equity																																																	1,937,265,000	1,832,991,000	1,590,206,000	1,495,774,000
shares issued and outstanding 23,235 and 23,235 respectively,
discount of 734 and 570, respectively																																																		22,449,000
common stock, .01 par value...																																																							98,000	95	94,000
issued and outstanding 19,633,763 and 19,534,226																																																		196,000
shares issued and outstanding 38,235 and 38,235 respectively,
discount of 1,725 and 1,892, respectively																																																			36,458,000
issued and outstanding 12,763,940																																																			127,000
discount of 1,809 and 1,892, respectively																																																				36,374,000
issued and outstanding 12,745,118																																																				127,000
liabilities and stockholders’ equity
customer repurchase agreements and federal funds purchased																																																					104,243,000	62,710,000	61,727,000	38,064	35,974,000
stockholders’ equity
common stock, 0.01 par value...																																																					115,000	98,000
total stockholders’ equity																																																					100,593,000	84,213,000	83,537,000	72,916	70,567,000
total liabilities and stockholders’ equity																																																					1,457,545,000	915,800,000	899,467,000	773,451	727,367,000
interest bearing deposits with banks and other short term investments																																																								4,855	3,833,000
accrued interest, taxes and other assets																																																								17,690
accrued interest, deferred taxes and other assets																																																									23,821,000
liabilities and stockholders’ equity liabilities

Cashflow Statements:

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	2021-09-30	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	2015-03-31	2013-03-31

cash flows from operating activities:
net income	14,718,000	-2,439,000	-67,513,000	-69,775,000	1,675,000	15,290,000	21,815,000	-83,802,000	-338,000	20,225,000	27,383,000	28,692,000	24,234,000	42,193,000	37,297,000	15,696,000	45,744,000	43,609,000	47,993,000	43,469,000	38,892,000	41,346,000	28,856,000	23,123,000	35,456,000	36,495,000	37,243,000	33,749,000	40,317,000	38,948,000	37,296,000	35,715,000	15,569,000	29,874,000	27,772,000	27,017,000	24,523,000	28,049,000	19,418,000	11,572,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses	13,382,000	15,468,000	113,215,000	138,159,000	26,255,000	12,132,000	10,094,000	8,959,000	35,175,000									-8,203,000	-3,856,000	-2,350,000	4,917,000	6,607,000	19,737,000	14,310,000		3,186,000					1,650,000	1,969,000
(reversal of) provision for unfunded commitments	-1,779,000	203,000	-38,000	1,759,000	-297,000
depreciation and amortization	606,000	636,000	700,000	785,000	826,000	1,036,000	670,000	706,000	786,000	831,000	871,000	888,000	890,000	836,000	826,000	814,000	843,000	2,532,000	1,185,000	1,078,000	1,181,000	1,277,000	1,067,000	1,171,000	521,000	2,086,000	1,895,000	1,672,000	1,677,000	1,731,000	1,750,000	1,811,000	1,624,000	1,593,000	1,601,000	1,674,000	1,528,000	169,000	2,931,000	1,054,000
securities premium amortization (discount accretion)	1,106,000	1,084,000	1,122,000	1,133,000	1,155,000													-2,334,000	2,781,000	2,705,000	2,851,000	2,414,000	1,418,000	1,513,000	1,220,000	1,447,000	1,148,000	1,371,000	1,148,000	1,128,000	1,082,000	1,087,000	1,187,000	856,000	937,000	1,006,000	1,077,000	1,652,000	683,000	1,011,000
net gain on sale of other real estate owned		-1,541,000	375,000	0	-487,000					0	0			-141,000	-14,000						0												0	-60,000	0	361,000
net increase in cash surrender value of bank owned life insurance	-5,679,000	-5,636,000	-5,293,000	-5,161,000	-4,282,000																														-372,000	-367,000
net loss on sale of investment securities	-3,000	-9,000	1,982,000	1,854,000	-4,000					-3,000			21,000		-4,000
stock-based compensation expense	1,511,000	1,819,000	1,430,000	2,273,000	1,524,000	2,510,000	2,019,000	2,664,000	2,368,000	2,365,000	1,969,000	2,736,000	2,948,000	2,312,000	2,273,000	2,348,000	2,966,000	1,991,000	1,998,000	1,825,000	1,450,000	1,451,000	1,427,000	996,000	1,036,000	3,147,000	1,472,000	2,029,000	1,320,000	2,031,000	1,667,000	1,476,000	1,369,000	1,030,000	1,313,000	1,856,000	1,847,000	2,164,000	1,148,000	710,000
decrease in other assets	6,032,000	23,609,000	-18,907,000	-49,608,000	7,262,000		5,660,000											-16,106,000	-12,784,000	-777,000		-25,128,000	-5,028,000	-15,337,000
increase in other liabilities	-15,022,000	19,022,000	-7,226,000	-50,040,000	9,558,000	-8,729,000	16,475,000			7,337,000	25,500,000					28,958,000	-6,395,000	90,459,000	-21,457,000	20,346,000	-26,054,000	41,492,000	-18,949,000	13,337,000					12,947,000			-5,430,000	795,000	17,723,000	-15,648,000	7,478,000	9,076,000	3,336,000	623,000	-3,486,000
net cash from operating activities	14,872,000	-5,916,000	19,847,000	-28,621,000	43,185,000	10,088,000	55,589,000	55,247,000	2,846,000	56,657,000	47,420,000	30,753,000	60,796,000	55,275,000	15,470,000	63,305,000	60,852,000	112,886,000	100,631,000	11,257,000	25,554,000	59,268,000	12,531,000	35,786,000	40,345,000	43,534,000	21,101,000	27,704,000	57,544,000	53,830,000	45,460,000	8,621,000	46,573,000	61,598,000	-9,629,000	61,991,000	18,240,000	38,625,000	7,691,000	107,490,000
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
free cash flows	14,872,000	-5,916,000	19,847,000	-28,621,000	43,185,000	10,088,000	55,589,000	55,247,000	2,846,000	56,657,000	47,420,000	30,753,000	60,796,000	55,275,000	15,470,000	63,305,000	60,852,000	112,886,000	100,631,000	11,257,000	25,554,000	59,268,000	12,531,000	35,786,000	40,345,000	43,534,000	21,101,000	27,704,000	57,544,000	53,830,000	45,460,000	8,621,000	46,573,000	61,598,000	-9,629,000	61,991,000	18,240,000	38,625,000	7,691,000	107,490,000
cash flows from investing activities:
proceeds from paydowns of available-for-sale securities	27,841,000
proceeds from sale/call and maturities of available-for-sale securities	18,003,000
proceeds from paydowns of held-to-maturity securities	14,565,000
proceeds from call/maturities of held-to-maturity securities	54,000
proceeds from (purchases of) federal reserve stock	208,000
proceeds from (purchases of) federal home loan bank stock	433,000	-13,000
net change in loans	203,636,000	-19,066,000	146,142,000	115,440,000	-34,899,000													406,992,000	91,754,000	228,275,000
proceeds from sale of loans	147,264,000	76,881,000
net (purchase) redemption of bank owned life insurance	805,000
proceeds from sale of other real estate owned		14,164,000	-3,000	0	772,000																												0	1,205,000	0	939,000	552,000	2,909,000	153,000
purchase of premises and equipment	-587,000	-2,851,000	-4,018,000	-726,000	-138,000
net cash from investing activities	412,222,000	194,748,000	295,411,000	220,769,000	-140,495,000	176,408,000	103,385,000	25,085,000	5,859,000	-14,619,000	-74,060,000	50,341,000	-59,361,000	-263,977,000	-105,485,000	-59,887,000	-497,728,000	295,587,000	-56,466,000	-2,162,000	-82,110,000	-67,387,000	-103,657,000	-304,522,000	-137,728,000	-130,395,000	-186,401,000	-182,603,000	-191,742,000	-271,218,000	-137,442,000	-184,399,000		-161,137,000	-162,748,000	-113,000,000	-106,754,000	-255,963,000	-78,677,000	-83,421,000
cash flows from financing activities:
increase in deposits	-542,107,000	-329,953,000	343,952,000	-157,661,000	146,190,000									-50,168,000			-395,281,000	649,441,000	-179,797,000	9,641,000	1,010,418,000	242,813,000	-205,596,000	917,177,000	-178,122,000			-291,366,000	601,980,000	103,547,000	146,957,000	267,817,000	-59,968,000	46,255,000	78,208,000	73,375,000	222,161,000	-96,053,000	273,597,000	-84,387,000
increase in customer repurchase agreements		-13,725,000	-9,717,000	-8,915,000	-800,000	1,117,000	-7,180,000	2,161,000	6,472,000			-837,000	2,754,000	13,635,000	-5,074,000	-1,754,000	4,375,000						-179,000	397,000					-6,033,000	7,311,000	-19,230,000	-28,196,000	2,992,000	-793,000	-7,798,000	13,284,000	-8,866,000			-8,674,000
net settlement of withholding taxes on the vesting of stock awards	-1,095,000
proceeds from employee stock purchase plan	77,000	128,000	108,000	119,000	81,000	138,000	124,000	144,000	79,000	127,000	145,000	181,000	133,000	190,000	189,000	172,000	197,000				196,000	182,000	186,000	196,000	197,000	212,000	183,000	190,000	200,000	216,000	193,000	199,000	205,000	229,000	197,000	205,000	201,000	218,000	153,000	89,000
cash dividends paid	-303,000	-308,000	-5,007,000	-5,015,000	-4,984,000	-4,983,000	-13,581,000	-13,585,000	-13,468,000	-14,168,000	-13,463,000	-13,465,000	-13,897,000	-14,190,000	-14,438,000	-14,483,000	-12,665,000	-12,788,000	-11,194,000	-7,932,000	-7,050,000	-7,100,000	-6,955,000	-7,225,000	-7,406,000	-7,327,000
net cash from financing activities	-543,428,000	-343,906,000	278,176,000	-611,472,000	140,487,000	-163,500,000	-91,323,000	-255,371,000	-13,517,000	422,591,000	96,777,000	-65,940,000	-140,525,000	376,381,000	-190,976,000	-300,634,000	-554,964,000	495,789,000	-191,214,000	-54,879,000	988,503,000	229,185,000			-56,166,000	285,749,000	239,844,000	-44,875,000	271,585,000	136,074,000	152,920,000	190,158,000	68,442,000	100,788,000	140,896,000	162,028,000	361,043,000	5,837,000	230,622,000	-92,512,000
net increase in cash and cash equivalents	-116,334,000	-155,074,000	593,434,000	-419,324,000	43,177,000									167,679,000							931,947,000	221,066,000	-303,572,000	697,641,000	-153,549,000	198,888,000	74,544,000	-199,774,000	137,387,000	-81,314,000	60,938,000	14,380,000		1,249,000	-31,481,000	111,019,000	272,529,000	-211,501,000	159,636,000
cash and cash equivalents at beginning of period	695,693,000	0	0	0	633,480,000	0	0	0	722,684,000	0	0	0	311,854,000	0	0	0	1,714,222,000	0	0	1,789,055,000	0	0	0	241,973,000	0	0	0	321,864,000	0	0	0	190,473,000	0	0	0	368,163,000	0	42,338,000	256,025,000	339,334,000
cash and cash equivalents at end of period	579,359,000	-155,074,000	593,434,000	-419,324,000	676,657,000	22,996,000	67,651,000	-175,039,000	717,872,000	464,629,000	70,137,000	15,154,000	172,764,000	167,679,000	-280,991,000	-297,216,000	722,382,000	904,262,000	-147,049,000	1,743,271,000	931,947,000	221,066,000	-303,572,000	939,614,000	-153,549,000	198,888,000	74,544,000	122,090,000	137,387,000	-81,314,000	60,938,000	204,853,000	-258,477,000	1,249,000	-31,481,000	479,182,000	272,529,000	-169,163,000	415,661,000	270,891,000
supplemental cash flows information:
interest paid	72,220,000		87,511,000	86,612,000	88,838,000												7,574,000	14,296,000	8,151,000	14,384,000	11,172,000	17,598,000	14,930,000	26,483,000	24,151,000	30,099,000	24,986,000	26,749,000	20,401,000	23,163,000	14,890,000	15,352,000	8,515,000	12,609,000	7,131,000	11,517,000	7,215,000	4,936,000	6,045,000	3,775,000
supplemental non-cash disclosures:
initial recognition of operating lease right-of-use assets	165,000		103,000	0	15,838,000													-17,507,000	0	7,339,000	698,000	53,000			0	0	0	29,574,000
transfer of loans held for investment to loans held for sale	111,800,000		121,340,000	22,325,000	15,251,000
goodwill impairment						0	0
loss on mortgage servicing rights							-177,000	-1,369,000	34,000	34,000			35,000
origination of loans residential mortgage loans held for sale
proceeds from sale of residential mortgage loans held for sale
gains (loss) on sale of residential mortgage loans held for sale
deferred income tax expense																					-1,773,000	1,001,000	-6,998,000	-562,000		498,000	1,543,000	1,264,000
purchases of available-for-sale investment securities		0	0															-290,280,000	-421,122,000	-347,787,000	-274,836,000	-255,659,000	-70,866,000	-138,594,000	-243,955,000	-67,121,000	-28,824,000	-34,748,000
proceeds from maturities of available-for-sale securities		29,748,000	29,844,000	31,878,000	28,273,000													66,635,000	81,615,000	85,116,000	94,207,000	37,510,000	116,328,000	54,426,000	84,325,000	62,656,000	40,549,000	26,674,000
proceeds from sale/call of available-for-sale securities		76,248,000	77,156,000	52,834,000	50,000,000													112,547,000	23,517,000	28,505,000	-6,121,000	10,277,000	41,958,000	78,030,000	21,803,000	40,839,000	19,335,000	22,808,000
proceeds from maturities of held-to-maturity securities		16,007,000	18,483,000
proceeds from call of held-to-maturity securities		2,797,000	7,000,000	10,075,000	52,000
purchases of federal reserve stock		-8,000	-68,000	-46,000	-75,000
proceeds from sale of mortgage servicing rights						0	1,180,000
decrease in short-term borrowings		0														130,000,000	-150,000,000																						-100,000,000
net proceeds from long-term borrowings						0
proceeds from exercise of equity compensation plans		-48,000												0	0	78,000	19,000								0	0	36,000	296,000	438,000	0	0	338,000	115,000	0	191,000	66,000
common stock repurchased										2,000	2,000	-29,663,000	-18,374,000					-615,000	0	-62,000	-17,264,000	0	0	-44,168,000	-21,518,000
see notes to consolidated financial statements.
gains (loss) on sale of residential mortgage loans
(purchase) redemption of bank owned life insurance			0	0	-200,000,000
income taxes paid			0															73,972,000			7,550,000	2,950,000			11,400,000	11,400,000	13,900,000	17,950,000	15,300,000	8,700,000	14,700,000	16,500,000	16,400,000	18,500,000	28,300,000	6,000,000	14,300,000	25,300,000	8,350,000	5,875,000
transfers from loans to other real estate owned																					3,250,000	-3,250,000	0	6,750,000	0								0							3,900,000
gains on sale of loans																		-3,332,000	-3,478,000	-5,178,000	-5,840,000	-12,226,000	-3,079,000	-944,000	-2,600,000	-2,563,000	-1,923,000	-1,388,000	-1,331,000	-1,434,000	-1,675,000	-1,523,000		-2,173,000	-2,519,000	-2,048,000	-3,009,000	-1,868,000	-3,587,000	-5,649,000
proceeds from (purchases of) of federal home loan bank stock				20,900,000	372,000
increase in short-term borrowings																					0	0	0	50,000,000	150,000,000			250,000,000			25,000,000	-50,000,000	125,000,000	55,000,000	70,000,000	75,000,000	0
proceeds from maturities of held to maturity securities					15,148,000
provision for (reversal of) unfunded commitments
net loss on mortgage servicing rights
securities premium amortization						1,238,000	1,380,000	1,366,000	1,432,000	1,423,000	1,494,000	1,557,000	1,715,000		2,182,000
origination of loans held for sale										0	0	-1,761,000	-27,929,000	-34,552,000	-58,270,000	-91,796,000	-114,699,000	-215,319,000	-281,399,000	-432,372,000	-378,511,000	-554,381,000	-120,452,000	-187,338,000	-228,201,000	-206,660,000	-139,129,000	-91,736,000	0	-100,466,000	-122,327,000	-102,316,000		-130,599,000	-197,323,000	-153,995,000	-262,254,000	-64,347,000	-279,612,000	-387,351,000
proceeds from sale of loans held for sale										23,000	-5,000	8,344,000	28,480,000	37,739,000	63,518,000	104,341,000	137,905,000	221,187,000	371,124,000	383,559,000	375,230,000	555,956,000	115,134,000	184,953,000	226,293,000	194,459,000	123,830,000	92,165,000	1,147,000	113,665,000	119,382,000	103,062,000	231,710,000	156,119,000	180,082,000	178,105,000	246,468,000	72,825,000	264,758,000	487,225,000
net loss on call/sale of investment securities
increase in other assets									-696,000		-13,966,000	-6,604,000	-9,019,000	-7,107,000	-16,053,000	958,000	-3,960,000												-4,407,000	750,000	12,875,000	-25,519,000		-13,673,000	-8,792,000	-594,000	-3,048,000	-5,246,000	-296,000
proceeds from maturities of available-for-sale investment securities
proceeds from sale/call of available-for-sale investment securities
purchase of held-to-maturity investment securities
proceeds from maturities of held-to-maturity investment securities
proceeds from call of held-to-maturity investment securities
purchases of federal reserve bank stock
net proceeds from (purchases of) federal home loan bank stock
net increase in loans						25,846,000	29,217,000	-26,287,000	-35,758,000		-150,012,000	-34,642,000	-103,019,000				-48,667,000				102,754,000	138,007,000	-188,165,000	-293,507,000	10,406,000	-168,191,000	-221,014,000	-184,972,000	-147,620,000	-193,829,000	-50,026,000	-191,918,000		-100,350,000	-160,479,000	-147,618,000	-83,034,000	-274,586,000	-134,100,000	-60,707,000
redemption of bank-owned life insurance
purchases of premises and equipment
net increase in short-term borrowings						-750,000,000
(reversal of ) provision for unfunded commitments
gain on sale of loans							-20,000				5,000	-95,000	-305,000		-821,000	-855,000	-1,492,000
loss on call/sale of investment securities
net increase in cash surrender value of boli							-731,000	-709,000	-703,000		-669,000	-648,000	-655,000	-658,000	-631,000	-632,000	-626,000	-642,000	-398,000	-389,000	-416,000	-413,000	-828,000	-414,000	-418,000	-431,000	-429,000	-425,000	-434,000	-373,000	-356,000	-344,000					-391,000	-390,000	-390,000	-94,000
investment securities available-for-sale:
proceeds from maturities							33,649,000	28,503,000	26,883,000		31,648,000	29,764,000	31,235,000		53,878,000	45,839,000	83,050,000
proceeds from call/sale
investment securities held-to-maturity:
proceeds from call							4,542,000	50,000	52,000		2,565,000	273,000	68,000
proceeds from (purchase of) federal reserve stock
purchase of federal home loan bank stock									-28,859,000
redemption of boli											0	300,000	436,000
proceeds from sale of oreo							0	0	656,000		0				0
net change in premises and equipment							-153,000	41,000	-71,000		-77,000	92,000	-313,000		-837,000	-412,000	-269,000	-623,000	-1,953,000	-2,397,000
decrease in deposits							273,502,000	-234,091,000	-306,600,000		658,179,000	254,886,000	-1,249,941,000
net decrease in cash and cash equivalents							67,651,000	-175,039,000	-4,812,000		70,137,000	15,154,000	-139,090,000			-297,216,000	-991,840,000	904,262,000	-147,049,000	-45,784,000																				-68,443,000
provision for credit losses for unfunded commitments								608,000	456,000
loss on sale of investment securities								-3,000	-4,000
proceeds from sale/call								0	27,000,000		0	0	8,303,000		0	0	6,225,000
purchase of federal reserve stock								-71,000	-71,000			-89,000	-69,000
redemption (purchase) of federal home loan bank stock
proceeds from borrowings								550,000,000	2,100,000,000
repayment of borrowings								-560,000,000	-1,800,000,000
decrease in other liabilities									-35,664,000				33,369,000													9,928,000	-5,299,000	-23,943,000
provision for (reversal of) credit losses													6,164,000
proceeds from maturities from held-to-maturity investment securities
purchases of federal reserve and federal home loan bank stock																-89,000	-60,000	-60,000	-55,000	-43,000	-44,000	-42,000	-30,000	-9,044,000	-10,720,000	-14,069,000	-59,986,000	-16,164,000	-61,000	-5,632,000	-13,857,000	-28,322,000		-8,540,000	-10,850,000	-8,275,000	-56,000	-639,000	-2,322,000	-613,000
proceeds from redemption of federal reserve and federal home loan bank stock																					0	0	0	4,250,000	4,250,000	19,337,000	60,988,000	4,675,000	13,812,000	4,250,000	12,750,000	29,878,000	0	6,163,000	7,820,000	4,302,000			8,100,000	153,000
proceeds from sale of sba ppp loans																		376,000
redemption (purchase) of bank-owned life insurance
increase in borrowings
supplemental cash flow information:
non-cash operating activities
non-cash investing activities
transfers of investment securities from available-for-sale to held-to-maturity																	922,795,000
purchases															-31,140,000	-72,090,000	-311,705,000
proceeds from (purchase of) sale of federal reserve stock
decrease in customer repurchase agreements																												-3,995,000											-2,531,000
proceeds from short-term borrowings													1,138,800,000
benefit from (reversal of) credit losses
benefit from credit losses for unfunded commitments
gain on mortgage servicing rights															46,000	12,000	-930,000
net income on sale of investment securities
net tax expense from stock-based compensation																6,000	1,609,000
net proceeds from redemption of federal home loan bank stock
proceeds from (paydowns on) short-term borrowings
tax equivalent shares withheld on exercise of stock-based compensation plans																-6,000	-1,609,000
provision for (reversal of) credit losses for unfunded commitments													848,000		774,000
sale of federal home loan bank stock													-13,998,000
benefit from credit losses																												3,360,000					4,087,000	1,921,000	1,566,000	1,397,000	2,288,000	3,621,000	3,310,000	3,365,000
benefit from unfunded commitments
gain on msrs
deferred income tax (benefit) expense
net (gain)/loss on sale of investment securities
net tax benefits from stock compensation																				144,000	19,000	412,000	-1,000	-312,000	-58,000	0	0	10,000	2,000	0	0	108,000	0	0	-129,000	589,000
purchase of held to maturity investment securities
proceeds from maturities from held to maturity securities
redemption (purchase) of boli
increase in long-term borrowings																					-293,000	195,000	98,000	50,000,000									98,000	97,000	98,000	98,000
repayment of long-term borrowings																		-150,000,000
tax equivalent shares withheld on exercise of equity comp plans
(purchase of) proceeds from sale of federal reserve and federal home loan bank stock
sale of federal reserve and federal home loan bank stock																-4,874,000	5,186,000	0	0	6,169,000
net decrease in loans															-150,217,000
proceeds from issuance of common stock																			188,000	139,000
reversal of credit losses																495,000	-2,787,000
reversal of credit losses for unfunded commitments																	-11,000
securities (discount accretion) premium amortization																	2,660,000
net income (gain) on sale of investment securities																	25,000
provision for unfunded commitments																		716,000	-761,000	-442,000	406,000	-2,078,000	940,000	2,112,000
gains on sale of gnma loans																											-16,000	-55,000
net gain on sale of investment securities																		-1,519,000	-318,000	-221,000	-165,000	-115,000	-713,000	-822,000	111,000	-153,000	-563,000	-912,000	-29,000	0	-26,000	-42,000		-11,000	-26,000	-505,000	-1,000	1,042,000	-2,164,000	-23,000
net change in customer repurchase agreements																		9,751,000	-411,000	-6,665,000
proceeds from long-term borrowings
change in fair value of cash flow hedges																		-1,032,000	133,000	383,000
change in fair value of investments																		39,790,000	8,639,000	-23,934,000
mortgage servicing rights gain																			1,000	-140,000
net change in long-term borrowings																				-50,000,000
purchase of boli
purchase of annuities
change in fair value of cash flow hedge
amortization of operating lease right-of-use assets																										1,662,000	714,000	646,000
increase in premises and equipment																						2,520,000	-2,882,000	-83,000	-668,000
net cash provided (used in) by financing activities																								966,377,000
initial recognition of operating lease liabilities																										0	0	33,535,000
decrease (increase) in other assets																											-2,985,000	9,897,000												823,000
decrease (increase) in premises and equipment
(decrease) increase in deposits
increase (decrease) in customer repurchase agreements
increase (decrease) in short-term borrowings
bank premises and equipment acquired																												-876,000	-755,000	209,000	-653,000	-283,000		-588,000	-623,000	-1,248,000	-2,388,000	-2,100,000	-348,000	-1,792,000
adjustments to reconcile net income to net cash provided by operating activities:
decrease in deferred income tax benefit
decrease in value of other real estate owned																																					0
net loss on sale of other real estate owned
excess tax benefits realized from stock compensation
decrease in interest bearing deposits with other banks and short-term investments																																					20,000
purchases of available for sale investment securities																													-85,383,000	-95,973,000	-118,259,000	-32,269,000		-89,348,000	-20,023,000	-35,183,000	-48,613,000	-30,665,000	-26,885,000	-54,783,000
proceeds from maturities of available for sale securities																													24,947,000	26,757,000	20,895,000	21,249,000	20,190,000	18,266,000	14,544,000	22,922,000	20,265,000	33,352,000	12,110,000	12,079,000
proceeds from sale/call of available for sale securities																													4,318,000	3,000,000	11,708,000	17,266,000	3,000,000	12,055,000	6,863,000	51,161,000	6,500,000	22,016,000	65,701,000	22,148,000
purchases of boli																													-1,000,000										-389,000
increase in deferred income tax benefit
net income on sale of other real estate owned																																							17,000
decrease deferred income tax benefit																																-1,433,000
transfers from other real estate owned to loans
decrease (increase) deferred income tax benefit																																	17,681,000	-633,000	1,909,000	17,000
loss on early extinguishment of debt																																							1,130,000
purchases of annuities																																							-992,000
issuance of common stock																																							94,698,000
redemption of series b preferred stock
redemption of series c preferred stock
payment of dividends on preferred stock																																							-164,000	-141,000
payment in lieu of fractional shares																																							-4,000
increase in deferred income taxes																																					256,000			-1,533,000
net (gain) loss on sale of other real estate owned																																					-94,000
tax benefits realized from stock compensation																																					-26,000
proceeds from exercise of stock options																																					30,000	-3,187,000	3,439,000	467,000
decrease in long-term borrowings																																							-40,000,000
decrease in deferred income taxes																																							422,000
decrease in fair value of other real estate owned																																							750,000
excess tax benefits from stock-based compensation																																							-1,450,000
decrease (increase) in interest bearing deposits with other banks and short-term investments																																							295,000
excess tax benefit from stock-based compensation																																								-134,000
increase in interest bearing deposits with other banks and short-term investments																																								94,000
increase in interest bearing deposits with
other banks and short term investments
increase in interest bearing deposits with other banks and short term investments
proceeds from repurchase of federal reserve and federal home loan bank stock
decrease in other short-term borrowings
issuance of series b preferred stock
redemption of series a preferred stock
decrease deferred income taxes
decrease (increase) in interest bearing deposits with other banks and short term investments
adjustments to reconcile net income to net cash
provided by operating activities:
decrease (increase) in interest bearing deposits with other banks
and short term investments
increase in customer repurchase agreements and
federal funds purchased
decrease in interest bearing deposits with other banks
decrease (increase) deferred income taxes
increase in interest bearing deposits with other banks
deferred income taxes
proceeds of federal reserve and federal home loan bank stock
cash flows from operating activities
provided by operating activities
increase in cash surrender value of boli
gain on sale of investment securities
excess tax benefit from exercise of non-qualified stock options
cash flows from investing activities
proceeds from maturities and principal payments
of available for sale securities
cash flows from financing activities
payment of dividends and payment in lieu of fractional shares
net increase in cash and due from banks
cash and due from banks at beginning of period
cash and due from banks at end of period
supplemental cash flows information
balance, january 1, 2009
comprehensive income
other comprehensive income:
unrealized gain on securities available for sale
less: reclassification adjustment for gains net of taxes of 553 included in net income
total comprehensive income
preferred stock dividends
stock-based compensation
preferred stock:
issuance costs
discount accretion
balance, june 30, 2009
balance, january 1, 2008
less: reclassification adjustment for gains net of taxes of 4 included in net income
cash dividend
shares issued under dividend reinvestment plan -
47,567 shares
exercise of options for 85,814 shares of common stock
tax benefit on non-qualified options exercise
balance, june 30, 2008
less: reclassification adjustment for gains net of taxes of 48 included in net income
preferred stock issued pursuant to:
balance, march 31, 2009
22,134 shares
exercise of options for 46,803 shares of common stock
balance, march 31, 2008
net cash received in acquisition
increase in customer repurchase agreements and federal funds purchased
increase in other short-term borrowings
stock issued for acquisition of fidelity
less: reclassification adjustment for gains net of taxes of 22 included in net income
shares issued to effect merger with fidelity - 1,638,031 shares, net of issuance costs of 96
shares issued under dividend reinvestment plan - 76,246 shares
10% stock dividend declaration
exercise of options for 97,252 shares of common stock
balance, september 30, 2008
balance, january 1, 2007
less: reclassification adjustment for gains net of taxes of 3 included in net income
exercise of options for 77,951 shares of common stock
shares issued under dividend reinvestment plan - 28,014 shares
tax benefit adjustment on non-qualified options exercise
balance, september 30, 2007
decrease in interest bearing deposits with other banks and short term investments
unrealized loss on securities available for sale
shares issued under dividend reinvestment plan - 43,243 shares
exercise of options for 78,013 shares of common stock
exercise of options for 71,804 shares of common stock
shares issued under dividend reinvestment plan - 13,295 shares
balance, june 30, 2007
net increase in surrender value of boli
stock based compensation expense
increase in interest bearing deposits—other banks
proceeds from sale / call of available for sale securities
net increase in cash
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
non-cash financing activities
reclassification of borrowings from long-term to short-term

Eagle Bancorp, Inc(NASDAQ:EGBN)

Eagle Bancorp, Inc
(NASDAQ:EGBN)