Equity Bancshares, Inc(NYSE:EQBK) 
Equity Bancshares, Inc. operates as the bank holding company for Equity Bank that provides a range of banking, mortgage banking, and financial services to individual and corporate customers. The company accepts various demand, savings, money market, and time deposits. Its loan products include comme...
Website: http://www.equitybank.com
Founded: 2002
Full Time Employees: 607
Sector: Financial Services
Industry: Banks-Regional
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At a glance:
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Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2016-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
interest and dividend income | 14,862,000 | ||||||||||||||||
loans, including fees | 74,362,000 | 76,911,000 | 62,868,000 | 62,997,000 | 63,379,000 | 62,089,000 | 61,518,000 | 54,932,000 | 55,152,000 | 52,748,000 | 36,306,000 | 37,581,000 | 31,001,000 | 35,383,000 | 32,278,000 | 32,627,000 | |
securities, taxable | 11,450,000 | 9,416,000 | 8,821,000 | 9,114,000 | 9,229,000 | 9,809,000 | 10,176,000 | 6,417,000 | 5,696,000 | 5,813,000 | 5,391,000 | 3,920,000 | 3,799,000 | 3,408,000 | 3,476,000 | 4,017,000 | |
securities, nontaxable | 179,000 | 307,000 | 358,000 | 377,000 | 387,000 | 400,000 | 401,000 | 354,000 | 369,000 | 568,000 | 655,000 | 655,000 | 724,000 | 913,000 | 923,000 | 880,000 | |
federal funds sold and other | 4,875,000 | 4,464,000 | 2,140,000 | 2,196,000 | 1,984,000 | 2,667,000 | 3,037,000 | 2,591,000 | 3,822,000 | 2,127,000 | 300,000 | 290,000 | 288,000 | 285,000 | 405,000 | 409,000 | |
total interest and dividend income | 90,866,000 | 91,098,000 | 74,187,000 | 74,684,000 | 74,979,000 | 74,965,000 | 75,132,000 | 64,294,000 | 65,039,000 | 61,256,000 | 42,652,000 | 42,446,000 | 35,812,000 | 39,989,000 | 37,082,000 | 37,933,000 | |
interest expense | 2,104,000 | ||||||||||||||||
deposits | 23,998,000 | 24,990,000 | 20,090,000 | 19,377,000 | 21,213,000 | 23,679,000 | 22,662,000 | 20,074,000 | 19,374,000 | 17,204,000 | 1,722,000 | 1,881,000 | 2,410,000 | 2,755,000 | 3,064,000 | 3,899,000 | |
federal funds purchased and retail repurchase agreements | 206,000 | 263,000 | 219,000 | 248,000 | 258,000 | 261,000 | 306,000 | 298,000 | 246,000 | 192,000 | 33,000 | 24,000 | 22,000 | 25,000 | 25,000 | 24,000 | |
federal home loan bank advances | 1,327,000 | 1,741,000 | 2,224,000 | 2,916,000 | 2,158,000 | 3,089,000 | 3,789,000 | 1,005,000 | 968,000 | 953,000 | 9,000 | 10,000 | 65,000 | 94,000 | 471,000 | 552,000 | |
federal reserve bank borrowings | 1,546,000 | 1,546,000 | 1,528,000 | ||||||||||||||
subordinated debt | 1,833,000 | 1,619,000 | 1,852,000 | 1,851,000 | 1,877,000 | 1,905,000 | 1,899,000 | 1,904,000 | 1,893,000 | 1,950,000 | 1,599,000 | 1,556,000 | 1,556,000 | 1,556,000 | 1,415,000 | 255,000 | |
total interest expense | 27,364,000 | 28,613,000 | 24,385,000 | 24,392,000 | 25,506,000 | 28,934,000 | 28,656,000 | 24,827,000 | 24,027,000 | 21,827,000 | 3,363,000 | 3,471,000 | 4,053,000 | 4,430,000 | 4,975,000 | 5,042,000 | |
net interest income | 63,502,000 | 62,485,000 | 49,802,000 | 50,292,000 | 49,473,000 | 46,031,000 | 46,476,000 | 39,467,000 | 41,012,000 | 39,429,000 | 39,289,000 | 38,975,000 | 31,759,000 | 35,559,000 | 32,107,000 | 32,891,000 | 12,758,000 |
provision (reversal) for credit losses | -16,000 | 6,228,000 | 19,000 | 2,722,000 | 98,000 | 1,183,000 | 265,000 | 711,000 | 1,230,000 | 298,000 | -412,000 | 1,058,000 | -5,756,000 | ||||
net interest income after provision (reversal) for credit losses | 63,518,000 | 56,257,000 | 49,783,000 | 47,570,000 | 49,375,000 | 44,848,000 | 46,211,000 | 38,756,000 | 39,782,000 | 39,131,000 | 39,701,000 | 37,917,000 | 37,515,000 | ||||
non-interest income | |||||||||||||||||
service charges and fees | 2,558,000 | 2,522,000 | 2,177,000 | 2,064,000 | 2,296,000 | 2,424,000 | 2,541,000 | 2,299,000 | 2,690,000 | 2,653,000 | 2,522,000 | 2,360,000 | 1,596,000 | 1,759,000 | 1,706,000 | 1,365,000 | |
debit card income | 2,905,000 | 2,953,000 | 3,052,000 | 2,504,000 | 2,513,000 | 2,665,000 | 2,621,000 | 2,524,000 | 2,591,000 | 2,653,000 | 2,628,000 | 2,574,000 | 2,350,000 | 2,401,000 | 2,491,000 | 2,201,000 | |
mortgage banking | 187,000 | 62,000 | 212,000 | 106,000 | 141,000 | 287,000 | 245,000 | 125,000 | 226,000 | 213,000 | 562,000 | 801,000 | 935,000 | 855,000 | 877,000 | 831,000 | |
increase in value of bank-owned life insurance | 1,410,000 | 1,393,000 | 1,321,000 | 3,593,000 | 1,883,000 | 1,344,000 | 911,000 | 925,000 | 794,000 | 757,000 | 865,000 | 1,169,000 | 601,000 | 489,000 | 489,000 | 481,000 | |
net gain on acquisition and branch sales | 831,000 | 60,000 | |||||||||||||||
net gain from securities transactions | 154,000 | -53,352,000 | 12,000 | 12,000 | -2,000 | 206,000 | -27,000 | -50,618,000 | -1,000 | -1,322,000 | 40,000 | 381,000 | 17,000 | -1,000 | 4,000 | ||
other | 2,318,000 | 1,943,000 | 1,815,000 | 2,051,000 | 1,985,000 | 1,560,000 | 2,607,000 | 1,331,000 | 2,435,000 | 1,996,000 | 2,405,000 | 546,000 | 1,291,000 | 852,000 | 922,000 | 850,000 | |
total non-interest income | 9,532,000 | -44,479,000 | 8,589,000 | 10,330,000 | 8,816,000 | 9,317,000 | 8,958,000 | -43,414,000 | 8,735,000 | 6,950,000 | 9,022,000 | 7,831,000 | 6,712,000 | 8,500,000 | 6,485,000 | 5,732,000 | |
non-interest expense | |||||||||||||||||
salaries and employee benefits | 22,324,000 | 22,773,000 | 19,735,000 | 19,954,000 | 18,368,000 | 18,494,000 | 17,827,000 | 16,598,000 | 15,857,000 | 15,237,000 | 15,068,000 | 13,588,000 | 12,722,000 | 14,053,000 | 13,877,000 | 12,695,000 | |
net occupancy and equipment | 4,327,000 | 4,317,000 | 3,482,000 | 3,675,000 | 3,571,000 | 3,478,000 | 3,787,000 | 3,244,000 | 3,262,000 | 2,940,000 | 3,170,000 | 2,475,000 | 2,368,000 | 2,206,000 | 2,224,000 | 2,119,000 | |
data processing | 5,251,000 | 4,887,000 | 5,055,000 | 5,086,000 | 4,988,000 | 5,152,000 | 5,036,000 | 4,471,000 | 4,553,000 | 4,493,000 | 3,769,000 | 3,257,000 | 2,663,000 | 2,748,000 | 2,817,000 | 2,763,000 | |
professional fees | 1,909,000 | 1,670,000 | 1,361,000 | 1,527,000 | 1,846,000 | 1,487,000 | 1,778,000 | 1,413,000 | 1,312,000 | 1,645,000 | 1,171,000 | 1,076,000 | 1,073,000 | 1,095,000 | 877,000 | 943,000 | |
advertising and business development | 1,371,000 | 1,305,000 | 1,208,000 | 1,344,000 | 1,469,000 | 1,368,000 | 1,291,000 | 1,598,000 | 1,419,000 | 1,249,000 | 976,000 | 760,000 | 682,000 | 801,000 | 598,000 | 403,000 | |
telecommunications | 657,000 | 630,000 | 588,000 | 587,000 | 614,000 | 660,000 | 572,000 | 460,000 | 502,000 | 516,000 | 470,000 | 439,000 | 580,000 | 510,000 | 486,000 | 390,000 | |
fdic insurance | 832,000 | 653,000 | 464,000 | 630,000 | 662,000 | 660,000 | 590,000 | 660,000 | 660,000 | 515,000 | 180,000 | 465,000 | 415,000 | 797,000 | 360,000 | 414,000 | |
courier and postage | 858,000 | 744,000 | 834,000 | 799,000 | 687,000 | 686,000 | 620,000 | 577,000 | 548,000 | 463,000 | 423,000 | 344,000 | 369,000 | 338,000 | 366,000 | 353,000 | |
free nationwide atm cost | 562,000 | 582,000 | 547,000 | 513,000 | 558,000 | 544,000 | 531,000 | 508,000 | 516,000 | 524,000 | 501,000 | 519,000 | 472,000 | 423,000 | 439,000 | 327,000 | |
amortization of core deposit intangibles | 1,260,000 | 1,182,000 | 1,016,000 | 1,045,000 | 1,060,000 | 1,112,000 | 1,218,000 | 739,000 | 799,000 | 918,000 | 1,050,000 | 1,030,000 | 1,034,000 | 1,044,000 | 1,030,000 | 974,000 | |
loan expense | 150,000 | 330,000 | 281,000 | 129,000 | 154,000 | 143,000 | 195,000 | 155,000 | 132,000 | 136,000 | 185,000 | 207,000 | 238,000 | 161,000 | 107,000 | 287,000 | |
other real estate owned and repossessed assets | 28,000 | 797,000 | 103,000 | 101,000 | |||||||||||||
loss on debt extinguishment | 1,361,000 | 372,000 | 58,000 | ||||||||||||||
merger expenses | 1,481,000 | 6,163,000 | 355,000 | 66,000 | 618,000 | 2,287,000 | 323,000 | 4,015,000 | 152,000 | ||||||||
total non-interest expense | 46,587,000 | 49,082,000 | 40,001,000 | 39,050,000 | 37,806,000 | 30,328,000 | 38,871,000 | 34,998,000 | 34,244,000 | 33,130,000 | 29,459,000 | 30,689,000 | 24,881,000 | 28,460,000 | 130,835,000 | 23,937,000 | |
income before income tax | 26,463,000 | -37,304,000 | 18,371,000 | 18,850,000 | 20,385,000 | 23,837,000 | 16,298,000 | -39,656,000 | 14,273,000 | 12,951,000 | |||||||
provision for income taxes | 4,379,000 | -7,641,000 | 3,107,000 | 3,809,000 | 4,582,000 | -11,357,000 | 1,932,000 | 1,495,000 | 3,614,000 | 2,111,000 | -2,653,000 | 497,000 | |||||
net income and net income allocable to common stockholders | 22,084,000 | -29,663,000 | 15,264,000 | 15,041,000 | 16,986,000 | 19,851,000 | 11,716,000 | -28,299,000 | 12,341,000 | 11,456,000 | 15,650,000 | 11,773,000 | 15,075,000 | 12,488,000 | -90,405,000 | 1,689,000 | |
basic earnings per share | 1.2 | -1.55 | 0.87 | 0.86 | 1.06 | 1.3 | 0.77 | -1.82 | 0.8 | 0.74 | 0.94 | 0.82 | 1.04 | 0.78 | -6.01 | 0.11 | 0.42 |
diluted earnings per share | 1.19 | -1.55 | 0.86 | 0.85 | 1.05 | 1.28 | 0.76 | -1.8 | 0.8 | 0.74 | 0.93 | 1.02 | 0.78 | -6.01 | 0.11 | 0.41 | |
see accompanying condensed notes to interim consolidated financial statements. | |||||||||||||||||
other real estate owned | -1,946,500 | -7,719,000 | 17,000 | 224,000 | 128,000 | 71,000 | -1,000 | -342,000 | 5,000 | 1,600,000 | 133,000 | 269,000 | |||||
benefit for income taxes | 3,065,250 | 3,986,000 | 3,286,000 | ||||||||||||||
net gain on acquisition | -78,000 | ||||||||||||||||
income before income taxes | 19,264,000 | 15,059,000 | 19,346,000 | -22,292,250 | -93,058,000 | 2,186,000 | 5,044,000 | ||||||||||
federal reserve bank discount window | 6,000 | ||||||||||||||||
bank stock loan | 306,000 | ||||||||||||||||
goodwill impairment | 104,831,000 | ||||||||||||||||
benefit from income taxes | 4,271,000 | 1,604,000 | |||||||||||||||
provision for loan losses | 1,000,000 | 815,000 | 12,500,000 | ||||||||||||||
net interest income after provision for loan losses | 34,559,000 | 31,292,000 | 20,391,000 | ||||||||||||||
statement of income data | |||||||||||||||||
benefit from loan losses | 723,000 | ||||||||||||||||
net gain on sales of and settlement of securities | 420,000 | ||||||||||||||||
other non-interest income | 2,278,000 | ||||||||||||||||
other non-interest expense | 9,631,000 | ||||||||||||||||
net income | 3,440,000 | ||||||||||||||||
yoy | |||||||||||||||||
qoq | |||||||||||||||||
dividends and discount accretion on preferred stock | -1,000 | ||||||||||||||||
net income allocable to common stockholders | 3,439,000 | ||||||||||||||||
balance sheet data | |||||||||||||||||
cash and cash equivalents | 44,586 | ||||||||||||||||
available-for-sale securities | 113,821 | ||||||||||||||||
held-to-maturity securities | 301,931 | ||||||||||||||||
loans held for sale | 3,200 | ||||||||||||||||
gross loans held for investment | 938,055 | ||||||||||||||||
allowance for loan losses | 5,980 | ||||||||||||||||
loans held for investment, net of allowance for loan losses | 932,075 | ||||||||||||||||
goodwill and core deposit intangibles | 19,592 | ||||||||||||||||
mortgage servicing asset | 28 | ||||||||||||||||
total assets | 1,528,729 | ||||||||||||||||
total deposits | 1,234,165 | ||||||||||||||||
borrowings | 130,651 | ||||||||||||||||
total liabilities | 1,373,637 | ||||||||||||||||
total stockholders’ equity | 155,092 | ||||||||||||||||
tangible common equity* | 135,472 | ||||||||||||||||
performance ratios | |||||||||||||||||
return on average assets (roaa) annualized | 0.83 | ||||||||||||||||
return on average equity (roae) annualized | 8.99 | ||||||||||||||||
return on average tangible common equity (roatce) annualized* | 10.55 | ||||||||||||||||
yield on loans annualized | 5.04 | ||||||||||||||||
cost of interest-bearing deposits annualized | 0.61 | ||||||||||||||||
net interest margin annualized | 3.33 | ||||||||||||||||
efficiency ratio* | 64.05 | ||||||||||||||||
non-interest income / average assets annualized | 0.65 | ||||||||||||||||
non-interest expense / average assets annualized | 2.35 | ||||||||||||||||
capital ratios | |||||||||||||||||
tier 1 leverage ratio | 9.1 | ||||||||||||||||
common equity tier 1 capital ratio | 13.13 | ||||||||||||||||
tier 1 risk based capital ratio | 14.01 | ||||||||||||||||
total risk based capital ratio | 14.57 | ||||||||||||||||
equity / assets | 10.15 | ||||||||||||||||
tangible common equity to tangible assets* | 8.98 | ||||||||||||||||
book value per share | 18.89 | ||||||||||||||||
tangible common book value per share* | 16.5 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 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 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-09-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets | |||||||||||||||||||||||||||||||||
cash and due from banks | 607,562,000 | 699,165,000 | 365,957,000 | 431,131,000 | 383,503,000 | 217,681,000 | 244,321,000 | 363,289,000 | 183,404,000 | 262,604,000 | 155,039,000 | 89,764,000 | 141,645,000 | 136,190,000 | 280,150,000 | 65,534,000 | 178,045,000 | 141,989,000 | 88,973,000 | 167,895,000 | 180,827,000 | 167,016,000 | 192,735,000 | 60,195,000 | 42,526,000 | 48,034,000 | 27,444,000 | 24,193,000 | 34,300,000 | 20,925,000 | 23,926,000 | 36,276,000 | 12,668,000 |
federal funds sold | 255,000 | 245,000 | 247,000 | 251,000 | 244,000 | 17,802,000 | 15,945,000 | 15,810,000 | 15,613,000 | 15,495,000 | 374,000 | 286,000 | 673,000 | 498,000 | 548,000 | 305,000 | 245,000 | 263,000 | 318,000 | 158,000 | 591,000 | 437,000 | 83,000 | 1,184,000 | 620,000 | 4,161,000 | 21,000 | 19,000 | 1,021,000 | 922,000 | 20,660,000 | 20,553,000 | 10,525,000 |
cash and cash equivalents | 607,817,000 | 699,410,000 | 366,204,000 | 431,382,000 | 383,747,000 | 235,483,000 | 260,266,000 | 379,099,000 | 199,017,000 | 278,099,000 | 155,413,000 | 90,050,000 | 142,318,000 | 136,688,000 | 280,698,000 | 65,839,000 | 178,290,000 | 142,252,000 | 89,291,000 | 168,053,000 | 181,418,000 | 167,453,000 | 192,818,000 | 61,379,000 | 43,146,000 | 52,195,000 | 27,465,000 | 24,212,000 | 35,321,000 | 21,847,000 | 44,586,000 | 56,829,000 | 23,193,000 |
interest-bearing deposit in other banks | 575,000 | 574,000 | |||||||||||||||||||||||||||||||
available-for-sale securities | 1,030,568,000 | 903,858,000 | 973,402,000 | 950,453,000 | 1,004,455,000 | 1,041,000,000 | 1,042,176,000 | 919,648,000 | 1,057,009,000 | 1,094,748,000 | 1,198,962,000 | 1,352,894,000 | 1,157,423,000 | 998,100,000 | 871,827,000 | 798,576,000 | 177,228,000 | 187,812,000 | 142,067,000 | 152,680,000 | 161,082,000 | 166,355,000 | 168,875,000 | 172,388,000 | 174,717,000 | 162,272,000 | 81,116,000 | 92,435,000 | 103,178,000 | 102,391,000 | 113,821,000 | 130,810,000 | 109,906,000 |
held-to-maturity securities, fair value of 5,409 and 5,214 | 5,248,000 | ||||||||||||||||||||||||||||||||
loans held for sale | 1,392,000 | 617,000 | 217,000 | 338,000 | 513,000 | 901,000 | 1,959,000 | 476,000 | 627,000 | 2,456,000 | 1,518,000 | 1,575,000 | 4,108,000 | 8,609,000 | 12,394,000 | 9,053,000 | 4,802,000 | 6,494,000 | 5,933,000 | 8,784,000 | 6,761,000 | 2,140,000 | 2,972,000 | 43,372,000 | 11,112,000 | 16,344,000 | 4,283,000 | 3,463,000 | 4,021,000 | 3,071,000 | 3,200,000 | 3,504,000 | 1,948,000 |
loans, net of allowance for credit losses of 52,756 and 43,267 | 4,145,424,000 | ||||||||||||||||||||||||||||||||
other real estate owned | 5,388,000 | 3,147,000 | 4,621,000 | 4,464,000 | 4,773,000 | 2,786,000 | 2,989,000 | 1,833,000 | 3,369,000 | 4,362,000 | 10,412,000 | 9,897,000 | 10,267,000 | 10,559,000 | 11,733,000 | 8,727,000 | 7,374,000 | 5,870,000 | 8,293,000 | 5,944,000 | 5,764,000 | 6,382,000 | 6,372,000 | 7,014,000 | 7,090,000 | 7,907,000 | 8,169,000 | 11,714,000 | 8,202,000 | 5,647,000 | 5,894,000 | 5,811,000 | 5,957,000 |
premises and equipment | 136,720,000 | 132,857,000 | 117,533,000 | 117,041,000 | 117,132,000 | 117,013,000 | 114,264,000 | 112,632,000 | 110,271,000 | 106,186,000 | 100,566,000 | 103,168,000 | 90,727,000 | 90,322,000 | 89,412,000 | 86,087,000 | 87,055,000 | 84,732,000 | 84,478,000 | 84,481,000 | 84,942,000 | 81,496,000 | 80,442,000 | 79,607,000 | 62,572,000 | 63,449,000 | 55,596,000 | 54,693,000 | 53,637,000 | 39,909,000 | 38,871,000 | 39,147,000 | 40,497,000 |
bank-owned life insurance | 148,301,000 | 146,891,000 | 133,638,000 | 132,317,000 | 133,032,000 | 131,670,000 | 130,326,000 | 124,865,000 | 124,245,000 | 123,451,000 | 122,418,000 | 120,928,000 | 103,431,000 | 102,645,000 | 77,044,000 | 76,555,000 | 76,066,000 | 75,585,000 | 75,103,000 | 74,599,000 | 74,092,000 | 73,594,000 | 73,105,000 | 72,587,000 | 68,690,000 | 68,384,000 | |||||||
federal reserve bank and federal home loan bank stock | 34,053,000 | 33,713,000 | 34,835,000 | 31,960,000 | 27,875,000 | 34,429,000 | 33,171,000 | 20,608,000 | 20,780,000 | 21,129,000 | 24,428,000 | 19,890,000 | 14,540,000 | 15,174,000 | 16,415,000 | 32,545,000 | 31,832,000 | 31,662,000 | 31,137,000 | 31,710,000 | 33,226,000 | 22,569,000 | 29,214,000 | 38,838,000 | 25,437,000 | 24,373,000 | 17,107,000 | 19,795,000 | 15,565,000 | 11,587,000 | 14,974,000 | 11,013,000 | 14,052,000 |
interest receivable | 33,322,000 | 34,751,000 | 26,243,000 | 26,791,000 | 28,913,000 | 28,398,000 | 27,381,000 | 25,497,000 | 23,621,000 | 21,360,000 | 18,497,000 | 16,923,000 | 15,519,000 | 16,655,000 | 15,831,000 | 18,110,000 | 19,598,000 | 15,549,000 | 15,738,000 | 16,994,000 | 16,702,000 | 16,423,000 | 17,372,000 | 17,129,000 | 12,450,000 | 12,371,000 | 9,761,000 | 9,062,000 | 9,189,000 | 4,712,000 | 4,353,000 | 4,540,000 | 4,374,000 |
goodwill | 82,101,000 | 77,573,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 53,101,000 | 54,465,000 | 31,601,000 | 31,601,000 | 31,601,000 | 31,601,000 | 136,432,000 | 136,432,000 | 136,432,000 | 136,432,000 | 136,432,000 | 136,432,000 | 131,712,000 | 131,723,000 | 103,412,000 | 104,907,000 | 64,587,000 | 64,587,000 | 64,521,000 | 18,130,000 | 18,130,000 | 18,130,000 | 18,130,000 |
core deposit intangibles | 21,634,000 | 22,895,000 | 12,908,000 | 13,924,000 | 14,969,000 | 16,029,000 | 16,636,000 | 7,222,000 | 7,961,000 | 8,760,000 | 11,598,000 | 13,830,000 | 12,963,000 | 15,023,000 | 16,057,000 | 17,101,000 | 18,131,000 | 19,105,000 | 19,907,000 | 20,727,000 | 21,512,000 | 22,296,000 | 21,725,000 | 22,466,000 | 10,355,000 | 10,738,000 | |||||||
other | 120,629,000 | 88,984,000 | 90,441,000 | 93,299,000 | 100,771,000 | 131,580,000 | 147,102,000 | 98,021,000 | 105,122,000 | 100,889,000 | 94,978,000 | 100,016,000 | 47,223,000 | 30,344,000 | 32,108,000 | 29,252,000 | 31,435,000 | 28,641,000 | 25,222,000 | 23,550,000 | 24,243,000 | 23,333,000 | 19,808,000 | 17,848,000 | 15,556,000 | 13,830,000 | 17,266,000 | 15,951,000 | 16,002,000 | 10,298,000 | 11,381,000 | 11,206,000 | 6,723,000 |
total assets | 6,373,172,000 | 6,365,631,000 | 5,373,837,000 | 5,446,100,000 | 5,332,047,000 | 5,355,233,000 | 5,245,517,000 | 5,034,592,000 | 4,945,267,000 | 5,094,883,000 | 5,000,415,000 | 5,078,623,000 | 4,263,268,000 | 4,196,184,000 | 4,013,356,000 | 3,865,571,000 | 4,205,269,000 | 3,943,832,000 | 3,949,578,000 | 4,074,663,000 | 4,180,074,000 | 4,065,354,000 | 4,061,716,000 | 3,931,036,000 | 3,176,062,000 | 3,170,509,000 | 2,405,426,000 | 2,408,624,000 | 2,399,256,000 | 1,557,082,000 | 1,528,729,000 | 1,585,727,000 | 1,414,091,000 |
liabilities and stockholders’ equity | |||||||||||||||||||||||||||||||||
deposits | |||||||||||||||||||||||||||||||||
demand | 1,148,409,000 | 1,147,201,000 | 912,898,000 | 949,791,000 | 954,065,000 | 967,858,000 | 984,872,000 | 898,129,000 | 936,217,000 | 978,968,000 | 1,217,094,000 | 1,255,793,000 | 984,436,000 | 972,364,000 | 791,639,000 | 693,967,000 | 756,613,000 | 508,441,000 | 481,298,000 | 488,214,000 | 487,430,000 | 483,107,000 | 503,831,000 | 483,432,000 | 362,786,000 | 366,530,000 | 263,746,000 | 262,508,000 | 275,519,000 | 169,368,000 | 162,528,000 | 157,834,000 | 37,467,000 |
total non-interest-bearing deposits | 1,148,409,000 | 1,147,201,000 | 912,898,000 | 949,791,000 | 954,065,000 | 967,858,000 | 984,872,000 | 898,129,000 | 936,217,000 | 978,968,000 | 1,217,094,000 | 1,255,793,000 | 984,436,000 | 972,364,000 | 791,639,000 | 693,967,000 | 756,613,000 | 508,441,000 | 481,298,000 | 488,214,000 | 487,430,000 | 483,107,000 | 503,831,000 | 483,432,000 | 362,786,000 | 366,530,000 | 263,746,000 | 262,508,000 | 275,519,000 | 169,368,000 | 162,528,000 | 157,834,000 | |
demand, savings and money market | 3,004,987,000 | 2,882,625,000 | 2,494,285,000 | 2,614,110,000 | 2,684,197,000 | 2,468,956,000 | 2,560,091,000 | 2,483,807,000 | 2,397,003,000 | 2,397,524,000 | 2,335,847,000 | ||||||||||||||||||||||
time | 984,868,000 | 1,064,943,000 | 827,735,000 | 841,463,000 | 736,527,000 | 926,130,000 | 796,474,000 | 763,519,000 | 748,950,000 | 854,458,000 | 673,670,000 | 612,399,000 | 585,492,000 | 587,905,000 | 626,854,000 | 623,344,000 | 690,522,000 | 783,811,000 | 833,170,000 | 929,109,000 | 993,359,000 | 1,040,760,000 | 1,007,906,000 | 851,531,000 | 721,192,000 | 776,499,000 | 645,249,000 | 655,773,000 | 621,824,000 | 437,109,000 | 430,512,000 | 438,612,000 | 403,698,000 |
total interest-bearing deposits | 3,989,855,000 | 3,947,568,000 | 3,322,020,000 | 3,455,573,000 | 3,420,724,000 | 3,395,086,000 | 3,356,565,000 | 3,247,326,000 | 3,145,953,000 | 3,251,982,000 | 3,009,517,000 | 3,123,877,000 | 2,678,341,000 | 2,662,166,000 | 2,655,951,000 | 2,439,651,000 | 2,490,654,000 | 2,451,956,000 | 2,582,218,000 | 2,618,715,000 | 2,698,463,000 | 2,777,763,000 | 2,619,616,000 | 2,337,814,000 | 2,005,511,000 | 2,015,483,000 | 1,604,747,000 | 1,557,169,000 | 1,545,571,000 | 1,008,364,000 | 1,071,637,000 | 1,058,080,000 | |
total deposits | 5,138,264,000 | 5,094,769,000 | 4,234,918,000 | 4,405,364,000 | 4,374,789,000 | 4,362,944,000 | 4,341,437,000 | 4,145,455,000 | 4,082,170,000 | 4,230,950,000 | 4,226,611,000 | 4,379,670,000 | 3,662,777,000 | 3,634,530,000 | 3,447,590,000 | 3,133,618,000 | 3,247,267,000 | 2,960,397,000 | 3,063,516,000 | 3,106,929,000 | 3,185,893,000 | 3,260,870,000 | 3,123,447,000 | 2,821,246,000 | 2,368,297,000 | 2,382,013,000 | 1,868,493,000 | 1,819,677,000 | 1,821,090,000 | 1,177,732,000 | 1,234,165,000 | 1,215,914,000 | 1,027,517,000 |
federal funds purchased and retail repurchase agreements | 39,864,000 | 42,220,000 | 36,420,000 | 36,772,000 | 37,246,000 | 38,196,000 | 38,031,000 | 43,582,000 | 39,701,000 | 44,770,000 | 47,443,000 | 48,199,000 | 39,137,000 | 40,339,000 | 36,029,000 | 46,295,000 | 51,557,000 | 37,113,000 | 35,708,000 | 40,652,000 | 41,047,000 | 43,433,000 | 50,068,000 | 43,250,000 | 42,101,000 | 37,492,000 | 31,181,000 | 21,069,000 | 17,699,000 | 25,382,000 | 21,802,000 | 20,762,000 | 22,271,000 |
federal home loan bank advances | 300,000,000 | 341,378,000 | 383,676,000 | 236,734,000 | 178,073,000 | 295,997,000 | 250,306,000 | 100,000,000 | 100,000,000 | 100,000,000 | 186,001,000 | 50,000,000 | 9,926,000 | 10,144,000 | 167,862,000 | 344,900,000 | 389,620,000 | 324,373,000 | 410,093,000 | 444,818,000 | 264,954,000 | 384,898,000 | 570,907,000 | 355,836,000 | 347,692,000 | 190,021,000 | 257,408,000 | 257,068,000 | 168,756,000 | 99,538,000 | 145,439,000 | 190,809,000 | |
subordinated debt | 98,145,000 | 98,174,000 | 24,125,000 | 97,620,000 | 97,477,000 | 97,336,000 | 97,196,000 | 96,921,000 | 96,787,000 | 96,653,000 | 96,263,000 | 96,010,000 | 88,030,000 | 87,788,000 | 87,684,000 | 87,537,000 | 55,575,000 | ||||||||||||||||
contractual obligations | 10,208,000 | 16,664,000 | 17,289,000 | 9,398,000 | 12,067,000 | 19,683,000 | 23,770,000 | 19,315,000 | 29,019,000 | 29,608,000 | 15,562,000 | 17,307,000 | 18,771,000 | 4,856,000 | 5,189,000 | 5,478,000 | 5,571,000 | 5,781,000 | 5,836,000 | 3,744,000 | 3,744,000 | 3,964,000 | 3,965,000 | 1,734,000 | 1,966,000 | 1,967,000 | 2,211,000 | 2,211,000 | 2,489,000 | 2,831,000 | 3,079,000 | 3,093,000 | 3,003,000 |
interest payable and other liabilities | 54,637,000 | 60,534,000 | 41,773,000 | 42,888,000 | 39,477,000 | 37,039,000 | 33,342,000 | 36,459,000 | 39,460,000 | 34,467,000 | 32,729,000 | 35,422,000 | 36,804,000 | 20,930,000 | 19,071,000 | 22,609,000 | 20,633,000 | 18,932,000 | 18,534,000 | 16,940,000 | 16,449,000 | 15,836,000 | 13,687,000 | 12,064,000 | 9,897,000 | 10,733,000 | 7,789,000 | 8,376,000 | 7,950,000 | 11,702,000 | 5,742,000 | 5,423,000 | 16,263,000 |
total liabilities | 5,641,118,000 | 5,653,739,000 | 4,738,201,000 | 4,828,776,000 | 4,739,129,000 | 4,851,195,000 | 4,784,082,000 | 4,581,732,000 | 4,527,137,000 | 4,676,448,000 | 4,604,609,000 | 4,626,608,000 | 3,845,519,000 | 3,798,369,000 | 3,605,707,000 | 3,463,399,000 | 3,725,503,000 | 3,466,481,000 | 3,471,518,000 | 3,607,613,000 | 3,721,668,000 | 3,611,891,000 | 3,605,775,000 | 3,487,799,000 | 2,794,575,000 | 2,796,365,000 | 2,113,591,000 | 2,122,566,000 | 2,120,050,000 | 1,395,834,000 | 1,373,637,000 | 1,418,494,000 | 1,288,037,000 |
commitments and contingent liabilities, see notes 20 and 21 | |||||||||||||||||||||||||||||||||
stockholders’ equity, see note 12 | |||||||||||||||||||||||||||||||||
common stock | 249,000 | 249,000 | 231,000 | 231,000 | 230,000 | 209,000 | 208,000 | 207,000 | 207,000 | 207,000 | 204,000 | 204,000 | 178,000 | 175,000 | 174,000 | 174,000 | 174,000 | 174,000 | 174,000 | 174,000 | 173,000 | 173,000 | 173,000 | 173,000 | 161,000 | 161,000 | 137,000 | 137,000 | 137,000 | 97,000 | 97,000 | 97,000 | 78,000 |
additional paid-in capital | 664,906,000 | 658,481,000 | 587,547,000 | 586,251,000 | 584,424,000 | 494,763,000 | 491,709,000 | 489,187,000 | 488,137,000 | 487,225,000 | 482,668,000 | 480,106,000 | 392,321,000 | 387,939,000 | 386,820,000 | 386,017,000 | 384,955,000 | 383,850,000 | 382,731,000 | 382,155,000 | 381,133,000 | 379,931,000 | 379,085,000 | 378,516,000 | 332,075,000 | 331,339,000 | 253,027,000 | 252,469,000 | 252,197,000 | 138,546,000 | 138,292,000 | 138,077,000 | 98,876,000 |
retained earnings | 205,328,000 | 186,718,000 | 219,876,000 | 207,282,000 | 194,920,000 | 180,588,000 | 163,068,000 | 141,006,000 | 171,188,000 | 160,715,000 | 130,114,000 | 102,632,000 | 79,226,000 | 53,459,000 | 50,787,000 | 38,299,000 | 128,704,000 | 127,015,000 | 125,757,000 | 115,743,000 | 105,337,000 | 95,868,000 | 101,326,000 | 91,401,000 | 74,212,000 | 65,512,000 | 60,703,000 | 55,546,000 | 49,192,000 | 43,911,000 | 38,394,000 | 34,955,000 | 32,449,000 |
accumulated other comprehensive income | 7,032,000 | 4,720,000 | -40,269,000 | -44,965,000 | -55,181,000 | -40,012,000 | -62,005,000 | -57,920,000 | -122,047,000 | -110,225,000 | 19,781,000 | 3,769,000 | |||||||||||||||||||||
treasury stock | -145,461,000 | -138,276,000 | -131,749,000 | -131,475,000 | -131,475,000 | -131,510,000 | -131,545,000 | -119,620,000 | -119,355,000 | -119,487,000 | -96,262,000 | -80,915,000 | -63,451,000 | -55,777,000 | -49,870,000 | -43,349,000 | -37,414,000 | -37,414,000 | -30,522,000 | -30,522,000 | -26,863,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 | -19,655,000 |
total stockholders’ equity | 732,054,000 | 711,892,000 | 635,636,000 | 617,324,000 | 592,918,000 | 504,038,000 | 461,435,000 | 452,860,000 | 418,130,000 | 418,435,000 | 395,806,000 | 452,015,000 | 417,749,000 | 397,815,000 | 407,649,000 | 402,172,000 | 479,766,000 | 477,351,000 | 478,060,000 | 467,050,000 | 458,406,000 | 453,463,000 | 455,941,000 | 443,237,000 | 381,487,000 | 374,144,000 | 291,835,000 | 286,058,000 | 279,206,000 | 161,248,000 | 155,092,000 | 167,233,000 | 126,054,000 |
total liabilities and stockholders’ equity | 6,373,172,000 | 6,365,631,000 | 5,373,837,000 | 5,446,100,000 | 5,332,047,000 | 5,355,233,000 | 5,245,517,000 | 5,034,592,000 | 4,945,267,000 | 5,094,883,000 | 5,000,415,000 | 5,078,623,000 | 4,263,268,000 | 4,196,184,000 | 4,013,356,000 | 3,865,571,000 | 4,205,269,000 | 3,943,832,000 | 3,949,578,000 | 4,074,663,000 | 4,180,074,000 | 4,065,354,000 | 4,061,716,000 | 3,931,036,000 | 3,176,062,000 | 3,170,509,000 | 2,405,426,000 | 2,408,624,000 | 2,399,256,000 | 1,557,082,000 | 1,528,729,000 | 1,585,727,000 | 1,414,091,000 |
held-to-maturity securities, fair value of 5,378 and 5,214 | 5,243,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 53,469 and 43,267 | 4,215,118,000 | ||||||||||||||||||||||||||||||||
commitments and contingent liabilities, see notes 12 and 13 | |||||||||||||||||||||||||||||||||
stockholders’ equity, see note 8 | |||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 5,324 and 5,214 | 5,236,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 45,270 and 43,267 | 3,555,458,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 5,295 and 5,214 | 5,226,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 45,824 and 43,267 | 3,585,804,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 5,214 and 2,250 | 5,217,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 43,267 and 43,520 | 3,457,549,000 | ||||||||||||||||||||||||||||||||
federal reserve bank borrowings | 140,000,000 | 140,000,000 | 140,000,000 | ||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 5,610 and 2,250 | 5,408,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 43,490 and 43,520 | 3,557,435,000 | ||||||||||||||||||||||||||||||||
commitments and contingent liabilities, see notes 11 and 12 | |||||||||||||||||||||||||||||||||
stockholders’ equity, see note 7 | |||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 5,267 and 2,250 | 5,226,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 43,487 and 43,520 | 3,410,920,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 2,250 and 1,973 | 2,209,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 43,520 and 45,847 | 3,289,381,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 2,124 and 1,973 | 2,212,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 44,186 and 45,847 | 3,237,932,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 2,236 and 1,973 | 2,216,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 44,544 and 45,847 | 3,278,126,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for credit losses of 46,499 and 48,365 | 3,208,524,000 | ||||||||||||||||||||||||||||||||
accumulated other comprehensive income, net of tax | -120,918,000 | -50,012,000 | 9,475,000 | 12,019,000 | 21,074,000 | 3,390,000 | |||||||||||||||||||||||||||
loans, net of allowance for credit losses of 47,590 and 48,365 | 3,194,987,000 | ||||||||||||||||||||||||||||||||
savings, now and money market | 2,511,478,000 | 2,092,849,000 | 2,074,261,000 | 2,029,097,000 | 1,816,307,000 | 1,800,132,000 | 1,749,048,000 | 1,611,710,000 | 1,284,319,000 | 1,238,984,000 | |||||||||||||||||||||||
interest-bearing time deposits in other banks | 249,000 | 249,000 | 499,000 | 2,248,000 | 2,498,000 | 2,498,000 | 3,497,000 | 4,742,000 | 4,742,000 | 4,991,000 | 6,741,000 | 3,496,000 | 3,496,000 | 3,741,000 | 4,241,000 | 4,488,000 | 4,995,000 | 5,245,000 | 5,245,000 | 5,245,000 | |||||||||||||
loans, net of allowance for credit losses of 52,763 and 33,709 | 2,633,148,000 | ||||||||||||||||||||||||||||||||
employee stock loans | -43,000 | -43,000 | -43,000 | -43,000 | -77,000 | -77,000 | -83,000 | -87,000 | -121,000 | -121,000 | -121,000 | -121,000 | -157,000 | -170,000 | -170,000 | -242,000 | -242,000 | -242,000 | -258,000 | ||||||||||||||
loans, net of allowance for credit losses of 55,525 and 33,709 | 2,740,215,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 0 and 783,911 | |||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 33,709 and 12,232 | 2,557,987,000 | ||||||||||||||||||||||||||||||||
bank stock loan | 40,000,000 | 8,990,000 | 14,770,000 | 15,308,000 | 8,500,000 | 15,450,000 | 24,412,000 | 2,438,000 | 2,500,000 | 18,612,000 | 19,000,000 | ||||||||||||||||||||||
commitments and contingent liabilities, see notes 22 and 23 | |||||||||||||||||||||||||||||||||
stockholders’ equity, see note 14 | |||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 34,087 and 12,232 | 2,691,626,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 689,206 and 783,911 | 662,522,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 34,078 and 12,232 | 2,772,256,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 750,900 and 783,911 | 721,992,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 21,915 and 12,232 | 2,485,208,000 | ||||||||||||||||||||||||||||||||
savings, now, and money market | 1,668,145,000 | 1,689,606,000 | 1,705,104,000 | 1,737,003,000 | 1,486,283,000 | 959,498,000 | 901,396,000 | 923,747,000 | 571,255,000 | 641,125,000 | 619,468,000 | 586,352,000 | |||||||||||||||||||||
subordinated debentures | 14,638,000 | 14,561,000 | 14,485,000 | 14,409,000 | 14,334,000 | 14,260,000 | 14,186,000 | 14,040,000 | 13,968,000 | 13,896,000 | 13,825,000 | 13,754,000 | 9,431,000 | 9,311,000 | 9,251,000 | 9,174,000 | |||||||||||||||||
held-to-maturity securities, fair value of 783,911 and 739,989 | 769,059,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 12,232 and 11,454 | 2,544,420,000 | ||||||||||||||||||||||||||||||||
accumulated other comprehensive loss | -3,000 | -423,000 | -1,291,000 | -2,767,000 | -4,867,000 | -7,077,000 | -5,185,000 | -3,092,000 | -2,220,000 | -2,269,000 | -2,495,000 | -1,409,000 | -1,794,000 | -2,371,000 | -1,801,000 | ||||||||||||||||||
held-to-maturity securities, fair value of 778,966 and 739,989 | 764,163,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 17,875 and 11,454 | 2,583,049,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 778,050 and 739,989 | 766,950,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 17,777 and 11,454 | 2,662,208,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 752,207 and 739,989 | 749,493,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 26,340 and 11,454 | 2,592,646,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 739,989 and 532,744 | 748,356,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 11,454 and 8,498 | 2,563,954,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 695,466 and 532,744 | 713,899,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 11,010 and 8,498 | 2,546,045,000 | ||||||||||||||||||||||||||||||||
commitments and contingent liabilities, see notes 10 and 11 | |||||||||||||||||||||||||||||||||
stockholders’ equity, see note 6 | |||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 511,138 and 532,744 | 522,021,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 9,316 and 8,498 | 2,116,008,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 532,744 and 461,156 | 535,462,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 8,498 and 6,432 | 2,094,781,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 528,627 and 461,156 | 528,944,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 7,969 and 6,432 | 1,532,792,000 | ||||||||||||||||||||||||||||||||
bank owned life insurance | 49,123,000 | 48,765,000 | 48,411,000 | 33,301,000 | 32,806,000 | 32,555,000 | 29,429,000 | ||||||||||||||||||||||||||
core deposit intangible | 5,476,000 | 5,719,000 | 5,954,000 | 1,289,000 | 1,462,000 | 1,549,000 | 926,000 | ||||||||||||||||||||||||||
held-to-maturity securities, fair value of 531,296 and 461,156 | 532,159,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 7,568 and 6,432 | 1,521,828,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 515,594 and 461,156 | 519,239,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 7,048 and 6,432 | 1,511,528,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 358,225 and 312,802 | 349,915,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 6,080 and 5,506 | 949,990,000 | ||||||||||||||||||||||||||||||||
preferred stock, series c | 16,372,000 | 16,365,000 | |||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 306,840 and 312,802 | 301,931,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 5,980 and 5,506 | 932,075,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 312,802 and 265,189 | 310,539,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 5,506 and 5,963 | 954,849,000 | ||||||||||||||||||||||||||||||||
held-to-maturity securities, fair value of 307,687 and 265,189 | 303,695,000 | ||||||||||||||||||||||||||||||||
loans, net of allowance for loan losses of 5,038 and 5,963 | 850,016,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
cash flows from operating activities | ||||
net income | -29,663,000 | 15,264,000 | 15,041,000 | 16,986,000 |
adjustments to reconcile net income to net cash from operating activities: | ||||
stock-based compensation | 1,582,000 | 1,217,000 | 1,422,000 | 1,189,000 |
depreciation | 1,593,000 | 1,448,000 | 1,432,000 | 1,392,000 |
amortization of operating lease right-of-use asset | 119,000 | 121,000 | 127,000 | 129,000 |
amortization of cloud computing implementation costs | 21,000 | 20,000 | 21,000 | 34,000 |
provision (reversal) for credit losses | 6,228,000 | 19,000 | 2,722,000 | 98,000 |
net amortization (accretion) of purchase valuation adjustments | -2,776,000 | -834,000 | -577,000 | -540,000 |
amortization (accretion) of premiums and discounts on securities | -1,115,000 | -446,000 | -443,000 | -424,000 |
amortization of intangible assets | 1,255,000 | 1,090,000 | 1,103,000 | 1,071,000 |
deferred income taxes | 1,076,000 | -1,352,000 | 224,000 | 3,753,000 |
federal home loan bank stock dividends | -231,000 | -285,000 | -337,000 | -270,000 |
gain on sales and valuation adjustments on other real estate owned | 739,000 | 26,000 | -34,000 | -30,000 |
net gain on sales and settlements of securities | 53,320,000 | 0 | -13,000 | -1,000 |
change in unrealized (gains) losses on equity securities | 32,000 | -12,000 | 1,000 | 3,000 |
gain on disposal of premises and equipment | 47,000 | 165,000 | -150,000 | 144,000 |
gain on lease termination | ||||
gain on sales and valuation adjustments on foreclosed assets | -18,000 | |||
loss on debt extinguishment | 0 | |||
gain on sales of loans | -53,000 | -167,000 | -86,000 | -107,000 |
originations of loans held for sale | -3,247,000 | -8,488,000 | -4,131,000 | -5,006,000 |
proceeds from the sale of loans held for sale | 2,899,000 | 8,776,000 | 4,393,000 | 5,501,000 |
increase in the value of bank-owned life insurance | -1,393,000 | -1,321,000 | -3,593,000 | -1,883,000 |
change in fair value of derivatives recognized in earnings | -22,000 | -3,000 | 196,000 | -88,000 |
gain on acquisition | ||||
payments on operating lease payable | -152,000 | -148,000 | -159,000 | -157,000 |
net change in: | ||||
interest receivable | -1,909,000 | 563,000 | 2,122,000 | -515,000 |
other assets | -7,187,000 | 11,982,000 | 3,683,000 | -749,000 |
interest payable and other liabilities | -12,675,000 | -710,000 | -1,273,000 | 1,125,000 |
net cash from operating activities | 8,473,000 | 28,263,000 | 21,680,000 | 21,698,000 |
capital expenditures | 0 | 0 | 0 | 0 |
free cash flows | 8,473,000 | 28,263,000 | 21,680,000 | 21,698,000 |
cash flows (to) from investing activities | ||||
purchases of available-for-sale securities | -462,337,000 | -69,106,000 | -9,834,000 | -42,670,000 |
purchase of held-to-maturity securities | ||||
proceeds from sales, calls, pay-downs and maturities of available-for-sale securities | 565,383,000 | 52,868,000 | 78,346,000 | 58,546,000 |
proceeds from calls, pay-downs and maturities of held-to-maturity securities | 8,000 | 5,000 | 5,000 | 210,000 |
net change in interest-bearing time deposits | ||||
net change in loans | -1,907,000 | 31,154,000 | -68,393,000 | 112,194,000 |
purchase of government guaranteed loans | 0 | 0 | -61,987,000 | -16,838,000 |
purchase of premises and equipment | -4,022,000 | -2,282,000 | -1,464,000 | -1,848,000 |
proceeds from sale of premises and equipment | -3,000 | 177,000 | 273,000 | -1,628,000 |
proceeds from sale of foreclosed assets | 377,000 | 288,000 | 4,758,000 | 209,000 |
net redemptions (purchases) of federal home loan bank and federal reserve bank stock | 2,011,000 | -2,590,000 | -3,748,000 | 6,824,000 |
net redemptions (purchases) of correspondent and miscellaneous other stock | -82,000 | -125,000 | -537,000 | -50,000 |
proceeds from sale of other real estate owned | 1,110,000 | 0 | 456,000 | 0 |
purchase of bank owned life insurance | ||||
proceeds from surrender of bank owned life insurance policies | ||||
proceeds from bank owned life insurance death benefits | 0 | |||
purchase of net assets of nbc corp. of oklahoma, net of cash acquired | ||||
purchase of net assets of rockhold bancorp, net of cash acquired | ||||
purchase of net assets of kansasland bancshares, inc., net of cash acquired | ||||
net cash from investing activities | 250,960,000 | 10,389,000 | -57,817,000 | 155,575,000 |
cash flows (to) from financing activities | ||||
net increase in deposits | 53,676,000 | -170,483,000 | 30,556,000 | 11,782,000 |
net change in federal funds purchased and retail repurchase agreements | 1,258,000 | -352,000 | -474,000 | -950,000 |
net borrowings (repayments) on federal home loan bank line of credit | -42,299,000 | 146,942,000 | 58,661,000 | -117,923,000 |
proceeds from federal home loan bank term advances | 296,466,000 | 300,000,000 | 300,000,000 | 300,000,000 |
principal repayments on federal home loan bank term advances | -300,000,000 | -300,000,000 | -300,000,000 | -300,000,000 |
proceeds from federal reserve bank borrowings | 1,000,000 | 0 | ||
principal payments on federal reserve bank borrowings | -1,000,000 | 0 | ||
principal payments on bank stock loan | 0 | |||
proceeds from issuance of common stock | 0 | 0 | -73,000 | |
proceeds from the exercise of employee stock options | 71,000 | 79,000 | 33,000 | |
proceeds from employee stock purchase plan | 436,000 | 0 | 446,000 | -1,000 |
proceeds from subordinated debt | ||||
debt issue cost | ||||
principal payments on subordinated debt | 0 | |||
purchase of treasury stock | -6,527,000 | 0 | ||
net change in contractual obligations | -625,000 | -2,108,000 | -2,669,000 | -8,116,000 |
dividends paid on common stock | -2,629,000 | -2,634,000 | -2,708,000 | -2,295,000 |
net cash from financing activities | 73,773,000 | -103,830,000 | 83,772,000 | -29,009,000 |
net change in cash and cash equivalents | 333,206,000 | -65,178,000 | 47,635,000 | 148,264,000 |
cash and cash equivalents, beginning of period | 0 | 0 | 383,747,000 | 0 |
ending cash and cash equivalents | 333,206,000 | -65,178,000 | 431,382,000 | 148,264,000 |
supplemental cash flow information: | ||||
interest paid | 28,053,000 | 25,897,000 | 21,865,000 | 29,465,000 |
income taxes paid, net of refunds | 552,000 | 1,700,000 | ||
supplemental noncash disclosures: | ||||
other real estate owned acquired in settlement of loans | 462,000 | 184,000 | 113,000 | 1,987,000 |
other repossessed assets acquired in settlement of loans | 283,000 | 142,000 | 246,000 | 4,821,000 |
purchase of investments in tax credits structures and resulting contractual obligations | 0 | |||
redemption of boli and other related noncash items | ||||
securities traded but not settled | ||||
total fair value of assts acquired in purchase of rockhold bancorp, net of cash | ||||
total fair value of liabilities assumed in purchase of rockhold bancorp | ||||
total fair value of assets acquired in purchase of kansasland bancshares, inc., net of cash | ||||
total fair value of liabilities assumed in purchase of kansasland bancshares, inc. | ||||
total fair value of assets acquired in purchase of nbc corp. of oklahoma, net of cash | ||||
total fair value of liabilities assumed in purchase of nbc corp. of oklahoma | ||||
gain on sales of foreclosed assets | -11,000 | 43,000 | ||
proceeds from bank-owned life insurance death benefits | 4,308,000 | |||
total fair value of assets acquired in purchase of rockhold bancorp, net of cash | ||||
gain on acquisition and branch sales | ||||
purchases of held-to-maturity securities | 1,000 | |||
purchase of mortgage loans | ||||
capitalized construction cost of other real estate owned | ||||
purchase of bank-owned life insurance | ||||
proceeds from bank-owned life insurance death benefits and policy surrenders | ||||
net cash (paid) received from acquisition of rockhold | ||||
net cash (paid) received from acquisition of kansasland bank | ||||
net cash (paid) received from branch sale to united bank and trust | ||||
net cash (paid) received from branch sale to high plains bank | ||||
proceeds from exercise of employee stock options | ||||
other real estate owned transferred from premises and equipment | ||||
operating leases recognized | ||||
other real estate owned recorded as a result of transferring non-operational branch right-of-use-asset | ||||
purchase of investments in tax credit structures and resulting contractual obligations | 500,000 | |||
total fair value of assets sold in branch sale to united bank and trust, net of cash | ||||
total fair value of liabilities assumed in branch sale to united bank and trust | ||||
total fair value of assets sold in branch sale to high plains bank, net of cash | ||||
total fair value of liabilities assumed in branch sale to high plains bank | ||||
total fair value of assets acquired in purchase of rockhold, net of cash | ||||
total fair value of liabilities assumed in purchase of rockhold | ||||
total fair value of assets acquired in purchase of kansasland , net of cash | ||||
total fair value of liabilities assumed in purchase of kansasland | ||||
total fair value of assts acquired in purchase of kansasland bancshares, inc., net of cash | ||||
purchase of usda guaranteed loans | ||||
net cash paid from branch sale to united bank and trust | ||||
proceeds from federal reserve bank discount window | ||||
principal payments on federal reserve bank discount window | ||||
principal payments on employee stock loans | ||||
debt issuance cost | ||||
goodwill impairment | ||||
net amortization of premiums, discounts and deferred fees and costs on loans | ||||
amortization of intangibles | ||||
net gain on securities transactions | ||||
change in unrealized gain on equity securities | ||||
gain on sale of foreclosed assets | ||||
cash flows from (to) investing activities | ||||
net change in interest-bearing time deposits in other banks | ||||
purchases of mortgage loans | ||||
purchases of government guaranteed loans | ||||
net redemption (purchase) of federal home loan bank and federal reserve bank stock | ||||
net redemption (purchase) of correspondent and miscellaneous other stock | ||||
cash flows from (to) financing activities | ||||
net borrowings (payments) on federal home loan bank line of credit | ||||
principal payments on federal home loan bank term advances | ||||
proceeds from bank stock loan | ||||
proceeds from subordinated notes | ||||
other real estate owned transferred from premise and equipment | ||||
investment securities purchased but not settled | ||||
purchase of low-income tax credit investment and resulting contractual obligations | ||||
net amortization of purchase accounting adjustments | ||||
dividends from equity bank | ||||
other income | ||||
total income | ||||
expenses | ||||
interest expense | ||||
other incomes | ||||
total expenses | ||||
income before income tax and equity in undistributed income of subsidiaries | ||||
income tax benefit | ||||
income before equity in undistributed income of subsidiaries | ||||
equity in undistributed income of equity bank | ||||
equity in undistributed income of ebac | ||||
net income and net income allocable to common stockholders | ||||
stock based compensation | ||||
equity in undistributed (income) loss of equity bank | ||||
equity in undistributed (income) loss of ebac | ||||
net amortization of purchase valuation adjustments | ||||
net cash from (to) operating activities | ||||
purchase stock of eastman, net of holding company cash acquired | ||||
purchase stock of kbc, net of holding company cash acquired | ||||
purchase stock of adams, net of holding company cash acquired | ||||
purchase assets of city bank, net of liabilities assumed | ||||
additional investment in equity bank | ||||
additional investment in ebac | ||||
net cash (used in) investing activities | ||||
borrowings on bank stock loan | ||||
borrowings on subordinated debt | ||||
subordinated debt issue cost | ||||
principal payments on employee stock loan | ||||
benefit from loan losses | ||||
net cash received from acquisition of midfirst locations | ||||
total fair value of assets acquired in purchase of midfirst locations | ||||
total fair value of liabilities acquired in purchase of midfirst locations | ||||
amortization of premiums and discounts on securities | ||||
fhlb stock dividends | ||||
change in fair value of derivatives | ||||
net redemption (purchase) of fhlb and frb stock | ||||
cash paid for acquisition of eastman | ||||
purchase of kbc, net of cash acquired | ||||
purchase of adbi, net of cash acquired | ||||
purchase of city bank, net of cash acquired | ||||
total fair value of assets acquired in purchase of kbc, net of cash | ||||
total fair value of liabilities assumed in purchase of kbc | ||||
total fair value of assets acquired in purchase of adbi, net of cash | ||||
total fair value of liabilities assumed in purchase of adbi | ||||
total fair value of assets acquired in purchase of city bank, net of cash | ||||
total fair value of liabilities assumed in purchase of city bank | ||||
amortization of operating lease right of use asset | ||||
gain on disposal of premise and equipment | ||||
proceeds from sales, calls, pay-downs, and maturities of available-for-sale securities | ||||
proceeds from sale of premise and equipment | ||||
cash flows to investing activities | ||||
purchase of prairie, net of cash acquired | ||||
purchase of adams, net of cash acquired | ||||
total fair value of assets acquired in purchase of prairie, net of cash | ||||
total fair value of liabilities assumed in purchase of prairie | ||||
total fair value of assets acquired in purchase of adams, net of cash | ||||
total fair value of liabilities assumed in purchase of adams | ||||
increase in the value of bank owned life insurance | ||||
total fair value of liabilities assumed in purchase of prairie, net of cash | ||||
redemption of series c preferred stock | ||||
dividends paid on preferred stock | ||||
excess tax benefits recognized on exercise of employee stock options | ||||
net accretion (amortization) of purchase valuation adjustments | ||||
issuance of employee stock loans | ||||
excess tax benefits recognized in termination of restricted stock unit plan | ||||
net gain on sales of securities | ||||
net purchases of fhlb and frb stock | ||||
preferred stock dividends payable at period end | ||||
securities purchased but not settled | ||||
loans purchased but not settled | ||||
net accretion of purchase valuation adjustments | ||||
amortization of core deposits intangible | ||||
net redemptions (purchases) of fhlb and frb stock | ||||
net borrowings on federal home loan bank line of credit | ||||
issuance of employee stock loan | ||||
redemption of series a and series b preferred stock | ||||
accrued compensation elected to be received as options, recognized as an increase in additional paid-in capital | ||||
excess tax benefits as a result of the distribution of common stock in termination of the restricted stock unit plan recognized as an increase in additional paid-in capital |