The First Bancshares, Inc
(NASDAQ:FBMS)

The First Bancshares, Inc. operates as the bank holding company for The First, A National Banking Association that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank, Mortgage Banking Division, and Holding Company. It offers d...

Website: http://www.thefirstbank.com

Full Time Employees: 676

Sector: Financial Services

Industry: Banks-Regional

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At a glance:

Bull Thesis:

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Main Competitors:

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Income Statements:

Quarterly

Annual

Unit: USD	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2009-09-30

interest and dividend income:
interest and fees on loans	82,399,000	82,131,000	78,336,000	78,799,000	77,592,000	74,626,000	74,590,000	67,733,000	46,677,000	42,274,000	34,663,000	34,154,000	36,835,000	37,480,000	37,275,000	39,613,000	39,967,000	40,999,000	40,593,000
interest and dividends on securities:
taxable interest and dividends	7,765,000	8,064,000	8,868,000	8,302,000	7,891,000	7,685,000	7,867,000	8,759,000	6,409,000	8,723,000	8,372,000	6,152,000	4,044,000	5,033,000	4,017,000	3,591,000	3,067,000	3,436,000	3,424,000
tax exempt interest	2,209,000	2,925,000	2,965,000	2,946,000	2,206,250	2,929,000	2,948,000	2,948,000	2,019,250	2,875,000	2,780,000	2,422,000	1,437,000	1,905,000	1,908,000	1,935,000	1,246,250	1,877,000	1,748,000
interest on federal funds sold and interest-bearing deposits in other banks	728,750	441,000	858,000	1,616,000	532,000	441,000	789,000	898,000	11,750	2,000	32,000	13,000
total interest income	93,584,000	93,561,000	91,027,000	91,663,000	88,720,000	85,681,000	86,194,000	80,338,000	57,931,000	53,874,000	45,847,000	42,741,000	43,885,000	44,435,000	43,238,000	45,187,000	45,614,000	46,338,000	45,799,000	6,501,000
interest expense:
interest on deposits	28,995,000	29,979,000	29,463,000	29,413,000	24,748,000	19,572,000	14,762,000	12,277,000	7,041,000	2,748,000	1,905,000	2,283,000	2,310,000	2,588,000	3,315,000	3,849,000	4,064,000	4,912,000	5,219,000
interest on borrowed funds	4,469,000	4,568,000	3,770,000	4,909,000	6,307,000	5,405,000	5,402,000	3,135,000	2,961,000	1,978,000	1,841,000	1,819,000	1,818,000	1,819,000	1,873,000	2,109,000	2,083,000	1,453,000	1,400,000
total interest expense	33,464,000	34,547,000	33,233,000	34,322,000	31,055,000	24,977,000	20,164,000	15,412,000	10,002,000	4,726,000	3,746,000	4,102,000	4,128,000	4,407,000	5,188,000	5,958,000	6,147,000	6,365,000	6,619,000	2,493,000
net interest income	60,120,000	59,014,000	57,794,000	57,341,000	57,665,000	60,704,000	66,030,000	64,926,000	47,929,000	49,148,000	42,101,000	38,639,000	39,757,000	40,028,000	38,050,000	39,229,000	39,467,000	39,973,000	39,180,000	4,008,000
provision for credit losses, lhfi	1,108,000	1,000,000	1,650,000		1,250,000	1,000,000	1,000,000	10,500,000	600,000	4,300,000	450,000
provision for credit losses, obsc exposures							250,000	500,000	105,000		150,000
net interest income after provision for credit losses	58,980,000	58,014,000	56,144,000	57,341,000	56,415,000	59,704,000	64,780,000	53,926,000	47,224,000	44,848,000	41,501,000	38,639,000	40,861,000	40,028,000	38,050,000	39,229,000
non-interest income:
service charges on deposit accounts	3,495,000	3,709,000	3,334,000	3,367,000	3,447,000	3,646,000	3,425,000	3,657,000	2,371,000	2,219,000	2,038,000	2,040,000	1,901,000	1,846,000	1,756,000	1,761,000	1,924,000	1,779,000	1,597,000	515,000
gain on securities	47,750	225,000	14,000		-11,500	2,000			-20,500	1,000	-80,000	-3,000	26,750	11,000
gain on sale of premises and equipment	-45,250	-344,000	163,000		139,750	-104,000		662,000	-28,500		-115,000	2,000	-95,750	-397,000	16,000		115,250		469,000
government awards/grants						6,197,000					171,000	702,000
other	-20,265,000	8,652,000	9,808,000	9,360,000	-19,189,000	9,583,000	9,046,000	8,293,000	-15,404,000	6,802,000	6,369,000	6,786,000	-19,138,000	8,126,000	6,973,000	7,695,000	-17,715,000	7,378,000	6,709,000	12,000
total non-interest income	11,522,000	12,242,000	13,319,000	12,679,000	2,346,000	19,324,000	12,423,000	12,612,000	8,118,000	9,022,000	8,664,000	11,157,000	9,592,000	9,586,000	8,822,000	9,472,000	10,928,000	8,794,000	15,680,000
non-interest expense:
salaries and employee benefits	18,671,000	25,131,000	25,045,000	24,508,000	17,423,750	22,807,000	23,315,000	23,572,000	13,283,750	19,099,000	17,237,000	16,799,000	12,084,250	16,246,000	16,036,000	16,054,000	11,147,250	15,494,000	15,866,000	2,140,000
occupancy and equipment	4,215,750	5,659,000	5,490,000	5,714,000	3,920,000	5,343,000	5,041,000	5,296,000	2,882,500	3,826,000	3,828,000	3,876,000	2,903,500	3,922,000	3,813,000	3,879,000	2,485,750	3,826,000	3,200,000
acquisition expense	738,000	2,592,000	352,000
total non-interest expense	48,368,000	46,394,000	44,089,000	43,425,000	44,433,000	47,724,000	46,899,000	45,670,000	35,035,000	35,903,000	30,955,000	28,590,000	30,789,000	29,053,000	27,452,000	27,264,000	27,896,000	26,936,000	28,070,000
income before income taxes	22,134,000	23,862,000	25,374,000	26,595,000	14,328,000	31,304,000	30,304,000	20,868,000	20,307,000	17,967,000	19,210,000	21,206,000	19,664,000	20,561,000	19,420,000	21,437,000	18,976,000	14,910,000	19,184,000	1,071,000
income tax expense	4,233,750	5,291,000	5,677,000	5,967,000	4,516,500	6,944,000	6,525,000	4,597,000	2,939,500	3,924,000	3,457,000	4,377,000	3,260,500	4,429,000	3,820,000	4,793,000	1,730,250	2,993,000	2,241,000
net income	14,724,000	18,571,000	19,697,000	20,628,000	16,102,500	24,360,000	23,779,000	16,271,000	11,656,000	14,043,000	15,753,000	16,829,000	12,094,000	16,132,000	15,600,000	16,644,000	9,292,750	11,917,000	16,943,000	770,000
yoy	-8.56%	-23.76%	-17.17%	26.78%	38.15%	73.47%	50.95%	-3.32%	-3.62%	-12.95%	0.98%	1.11%	30.14%	35.37%	-7.93%	2061.56%
qoq	-20.72%	-5.72%	-4.51%	28.10%	-33.90%	2.44%	46.14%	39.59%	-17.00%	-10.86%	-6.39%	39.15%	-25.03%	3.41%	-6.27%	79.11%	-22.02%	-29.66%	2100.39%
basic earnings per share	0.468	0.59	0.62	0.66	0.513	0.78	0.76	0.52	0.545	0.61	0.77	0.81	0.575	0.77	0.74	0.79	0.453	0.56	0.79
diluted earnings per share	0.465	0.59	0.62	0.65	0.51	0.77	0.75	0.52	0.543	0.61	0.76	0.81	0.57	0.76	0.74	0.79	0.45	0.55	0.79
loss on securities				-48,000
acquisition expense/charter conversion				8,000	593,000	588,000	4,101,000	3,793,000	1,190,000	3,640,000	1,172,000	408,000
gain on acquisition									70,250		281,000						1,755,750		7,023,000
boli death proceeds												1,630,000
(loss) on securities							-48,000
interest on federal funds sold and interest bearing deposits in other banks													25,750	17,000	38,000	48,000	64,500	26,000	34,000
provision for credit losses
acquisition and integration charges													1,250	5,000			818,250	238,000	2,295,000
gain on sale of securities															77,000	20,000	69,500	32,000	73,000

loss on sale of premises and equipment																-4,000
provision for loan losses																	3,523,000	6,921,000	7,606,000
net interest income after provision for loan losses																	35,944,000	33,052,000	31,574,000
other service charges and fees																	-16,542,000	6,983,000	6,518,000
interest income:
loans, including fees																				5,538,000
securities:
taxable																				695,000
tax exempt																				256,000
deposits																				2,085,000
other borrowings																				408,000
provision (credit)for loan losses																				-36,000
net interest income after benefit from loan losses																				4,044,000
noninterest income:
other service charges, commissions and fees																				233,000
total noninterest income																				748,000
noninterest expenses:
occupancy and equipment expense																				500,000
impairment loss – security																				14,000
other operating expenses																				1,067,000
total noninterest expenses																				3,721,000
income taxes																				301,000
preferred dividends																				63,000
preferred stock accretion																				14,000
net income applicable to common shareholders																				693,000
earnings per share applicable to common shareholders – basic																				0.23
earnings per share applicable to common shareholders – diluted																				0.23
dividends per share - common

Balance Sheets:

Quarterly

Annual

Unit: USD	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2010-12-31	2009-09-30

assets																																																16,334,000
cash and due from banks	114,185,000	127,515,000	116,668,000	109,323,000	224,199,000	121,876,000	105,788,000	106,586,000	67,176,000	71,555,000	119,121,000	125,709,000	115,232,000		132,299,000			131,898,000	119,913,000	107,252,000	89,736,000	91,810,000	77,032,000	91,538,000	71,356,000	74,639,000	97,554,000	93,624,000	42,980,353,000	63,668,000			47,945,000	33,402,000	31,957,000	28,547,000	33,843,000	26,013,000	33,111,000	25,677,000	28,514,000	26,110,000	27,811,000	24,994,000	20,070,000	11,871,000	11,773,000	16,686,000	8,113,000
interest-bearing deposits with banks	106,226,000	86,620,000	90,938,000	230,641,000	130,948,000	75,756,000	88,262,000	226,905,000	78,139,000	92,286,000	237,650,000	676,904,000	804,481,000		630,187,000			471,838,000	419,212,000	179,507,000	79,128,000	68,180,000	88,952,000	157,038,000	87,751,000	47,732,000	20,792,000	51,592,000	48,466,424,000	29,649,000			19,774,000	21,065,000	37,316,000	28,852,000	22,333,000	25,844,000	16,038,000	27,289,000	31,203,000	24,326,000	49,089,000	59,237,000	15,652,000	10,495,000	34,330,000		277,000
total cash and cash equivalents	220,411,000	214,135,000	207,606,000	339,964,000	355,147,000	197,632,000	194,050,000	333,491,000	145,315,000	163,841,000	356,771,000	802,613,000	919,713,000		762,486,000			603,736,000	539,125,000	286,759,000	168,864,000	159,990,000	165,984,000	248,576,000	159,107,000	122,371,000	120,425,000	162,521,000	91,921,777,000	93,317,000			70,114,000	54,777,000	95,965,000	65,233,000	62,021,000	94,474,000	50,447,000	55,443,000	81,978,000	51,764,000	81,841,000	91,452,000	36,712,000	23,130,000	46,909,000		18,809,000
securities available-for-sale, at fair value	1,003,303,000	1,060,014,000	1,124,462,000	1,088,568,000	1,042,365,000	1,141,971,000	1,199,103,000	1,249,791,000	1,257,101,000	1,379,410,000	1,489,247,000	1,591,677,000						957,458,000	927,205,000	762,977,000		612,002,000	598,607,000	598,796,000		424,940,000	437,011,000	424,620,000		353,035,000			236,168,000	242,855,000	253,126,000	239,631,000	236,476,000	246,842,000	262,651,000	263,653,000	236,460,000	251,813,000	248,030,000	212,263,000	233,621,000	229,703,000	230,395,000		119,200,000
securities held to maturity, net of allowance for credit losses of 0	582,939,000	602,328,000	607,502,000	622,574,000	654,539,000	658,524,000	663,473,000	678,161,000	691,484,000	593,553,000	593,154,000	372,062,000
equity securities	15,684,000
other securities	44,168,000	52,386,000	39,293,000	34,094,000	37,754,000	35,872,000	35,725,000	34,423,000	33,944,000	31,060,000	22,588,000	22,226,000	22,226,000		22,225,000			27,461,000	26,059,000	25,911,000	26,690,000	22,517,000	17,819,000	15,298,000	16,704,000	13,104,000	10,320,000	11,308,000	9,969,200,000	9,556,000			9,516,000	9,578,000	9,570,000	6,249,000	5,787,000	7,235,000	5,592,000	4,025,000	6,148,000	4,624,000	4,101,000	3,056,000	2,638,000	3,090,000	2,803,000		2,413,000
total securities	1,646,094,000	1,714,728,000	1,771,257,000	1,745,236,000	1,734,658,000	1,836,367,000	1,898,301,000	1,962,375,000	1,982,529,000	2,004,023,000	2,104,989,000	1,985,965,000	1,774,058,000		1,302,986,000			984,919,000	953,264,000	788,888,000	791,777,000	640,847,000	622,822,000	620,491,000	514,928,000	444,044,000	453,331,000	441,928,000	372,862,281,000	368,591,000			251,684,000	258,458,000	269,547,000	253,113,000	249,914,000	261,906,000	276,654,000	276,099,000	251,037,000	264,883,000	260,586,000	223,781,000	244,737,000	241,277,000	241,690,000
loans held for sale	3,687,000	2,987,000	5,892,000	4,241,000	2,914,000	5,960,000	6,602,000	4,073,000	4,443,000	2,225,000	6,703,000	8,213,000	7,678,000		6,000,000			22,482,000	18,632,000	13,288,000	10,810,000	11,104,000	8,597,000	6,238,000	4,838,000	4,269,000	5,914,000	2,538,000	4,790,049,000	4,588,000			9,437,000	8,937,000	6,095,000	1,058,000	1,864,000	1,657,000	3,769,000	3,220,000	2,586,000	1,399,000	2,933,000	3,677,000	4,898,000	3,210,000	2,300,000		4,195,000
lhfi, net of allowance for credit losses of 56,205 in 2024 and 54,032 in 2023	5,351,026,000
interest receivable	34,002,000	33,384,000	35,439,000	34,954,000	33,300,000	30,542,000	30,837,000	29,983,000	27,723,000	24,570,000	24,543,000	23,234,000	23,256,000		24,026,000			25,822,000	24,782,000	14,943,000	14,802,000	12,415,000	12,828,000	12,420,000	10,778,000	9,046,000	8,493,000	8,027,000	6,704,915,000	5,787,000			4,014,000	4,103,000	4,266,000	3,809,000	3,628,000	3,950,000	3,866,000	3,374,000	3,431,000	3,377,000	3,263,000	2,936,000	3,054,000	3,010,000	3,086,000		2,250,000
premises and equipment	169,796,000	170,570,000	171,768,000	173,225,000	174,309,000	175,716,000	178,489,000	178,410,000	143,518,000	140,533,000	126,512,000	125,756,000	125,959,000		112,968,000			124,875,000	125,053,000	108,013,000	104,980,000	96,726,000	97,115,000	94,624,000	74,783,000	62,342,000	62,289,000	57,430,000	46,426,031,000	46,203,000			33,427,000	33,502,000	33,353,000	33,610,000	33,571,000	33,769,000	35,079,000	31,339,000	31,416,000	32,551,000	32,696,000	22,253,000	22,522,000	22,592,000	22,924,000	14,490,000	14,436,000
operating lease right-of-use assets	6,102,000	5,964,000	6,287,000	6,619,000	6,387,000	6,442,000	6,194,000	6,464,000	7,620,000	7,901,000	4,050,000	3,779,000	4,095,000		5,164,000
finance lease right-of-use assets	1,002,000	1,118,000	1,234,000	1,350,000	1,466,000	1,582,000	1,698,000	1,814,000	1,930,000	2,046,000	2,162,000	2,278,000	2,394,000		2,535,000
cash surrender value of life insurance	145,569,000				134,249,000				95,571,000				87,420,000								59,572,000				50,796,000				27,053,909,000				21,106,000	20,963,000	14,971,000	14,771,000	14,670,000	14,569,000	14,359,000	14,251,000	9,182,000	6,548,000	6,513,000	6,482,000	6,400,000	6,358,000	6,314,000
goodwill	272,520,000	272,520,000	272,520,000	272,520,000	272,520,000	272,672,000	272,522,000	271,804,000	180,254,000	178,764,000	156,942,000	156,659,000	156,663,000		156,944,000			158,572,000	158,572,000	158,572,000	158,572,000	118,636,000	119,202,000	119,907,000	89,750,000	54,426,000	54,944,000	47,657,000	19,959,849,000	20,443,000			13,776,000	13,776,000	13,776,000	12,276,000	12,276,000	12,276,000	12,029,000	10,621,000	10,621,000	10,621,000	10,713,000	9,362,000	9,362,000	9,362,000	9,362,000		702,000
other intangibles	59,278,000
other real estate owned	7,874,000	7,314,000	6,356,000	6,743,000	8,320,000	4,920,000	5,588,000	5,066,000	4,832,000	10,328,000	1,985,000	2,835,000	2,565,000		3,529,000			5,202,000	5,471,000	6,974,000	7,299,000	9,974,000	11,205,000	11,588,000	10,869,000	8,453,000	7,890,000	7,357,000	7,158,409,000	7,855,000			4,670,000	4,716,000	4,363,000	4,104,000	4,116,000	4,598,000	4,986,000	4,875,000	5,221,000	5,292,000	5,687,000	6,696,000	8,008,000
other assets	87,417,000	144,266,000	155,997,000	157,766,000	160,065,000	182,677,000	176,779,000	174,565,000	132,742,000	144,234,000	75,481,000	61,780,000	44,802,000	506,134,000	41,894,000	558,929,000		43,519,000	43,527,000	37,167,000	38,737,000	36,042,000	35,953,000	36,617,000	37,780,000	28,393,000	31,010,000	30,898,000	19,343,560,000	24,807,000	113,572,000	117,562,000	11,525,000	8,844,000	8,833,000	10,021,000	10,970,000	8,518,000	9,343,000	9,254,000	7,959,000	10,018,000	11,760,000	5,471,000	6,313,000	13,804,000	13,431,000	18,469,000	3,183,000
total assets	8,004,778,000	7,966,455,000	7,965,800,000	7,963,759,000	7,999,345,000	7,884,285,000	7,862,108,000	8,017,316,000	6,461,717,000	6,454,848,000	6,037,425,000	6,196,095,000	6,077,414,000	5,511,227,000	5,509,733,000	5,337,264,000	4,779,398,000	5,164,159,000	5,084,905,000	4,061,801,000	3,941,863,000	3,481,931,000	3,472,584,000	3,532,979,000	3,003,986,000	2,508,942,000	2,481,689,000	2,299,413,000	1,813,238,443,000	1,787,976,000	1,210,707,000	1,196,328,000	1,266,638,000	1,224,900,000	1,241,951,000	1,137,849,000	1,117,648,000	1,146,148,000	1,071,981,000	1,009,289,000	988,567,000	951,895,000	965,437,000	788,883,000	725,668,000	700,616,000	722,089,000	498,305,000	485,889,000
liabilities and stockholders' equity
deposits:
non-interest-bearing	1,796,685,000				1,849,013,000				1,630,203,000				756,118,000								723,208,000				570,148,000				301,988,781,000
interest-bearing	4,808,171,000	4,763,966,000	4,755,812,000	4,873,403,000	4,613,859,000	4,512,364,000	4,405,601,000	4,585,515,000	3,864,201,000	3,780,450,000	4,483,356,000	4,627,015,000	4,470,666,000		3,991,898,000			3,746,978,000	3,730,851,000	2,937,188,000	2,353,325,000	2,119,291,000	2,185,362,000	2,258,418,000	1,887,311,000	1,616,016,000	1,637,833,000	1,577,502,000	1,168,575,736,000	1,199,941,000			875,003,000	837,413,000	846,672,000	776,298,000	768,289,000	780,877,000	711,558,000	700,646,000	684,247,000	644,964,000	661,015,000	551,787,000	511,882,000	483,547,000	501,116,000		254,046,000
total deposits	6,604,856,000	6,560,712,000	6,626,117,000	6,710,355,000	6,462,872,000	6,480,025,000	6,492,267,000	6,667,956,000	5,494,404,000	5,551,298,000	5,306,197,000	5,437,738,000	5,226,784,000		4,673,912,000			4,229,214,000	4,216,890,000	3,277,794,000	3,076,533,000	2,761,345,000	2,831,200,000	2,914,318,000	2,457,459,000	2,046,446,000	2,097,235,000	1,991,644,000	1,470,564,517,000	1,507,991,000			1,071,789,000	1,032,363,000	1,041,105,000	963,840,000	962,099,000	984,643,000	907,515,000	883,872,000	863,581,000	813,965,000	843,339,000	663,279,000	621,933,000	588,029,000	611,314,000		393,496,000
interest payable	13,856,000	13,720,000	15,400,000	13,705,000	22,702,000	13,800,000	7,968,000	4,087,000	3,324,000	1,365,000	1,607,000	1,306,000	1,711,000		1,827,000			2,320,000	2,195,000	2,885,000	2,508,000	2,236,000	1,785,000	2,028,000	1,519,000	635,000	1,186,000	490,000	353,143,000	274,000			275,000	244,000	236,000	232,000	255,000	275,000	297,000	297,000	351,000	413,000	470,000	198,000	227,000	259,000	286,000		712,000
borrowed funds	210,000,000	207,500,000	182,400,000	110,000,000	390,000,000	302,000,000	280,000,000	250,000,000	130,100,000	90,000,000				206,000		100,143,000		115,827,000	116,005,000	116,180,000	214,319,000	136,250,000	71,250,000	61,750,000	85,500,000	85,508,000	10,516,000	29,034,000	104,072,294,000	94,321,000			68,000,000	68,000,000	78,976,000	58,986,000	43,991,000	49,446,000	49,456,000	13,500,000	15,000,000	30,000,000	16,500,000	16,760,000	16,781,000	28,291,000	26,801,000		32,063,000
subordinated debentures	123,731,000	123,645,000	123,558,000	123,472,000	123,386,000	128,300,000	128,214,000	154,127,000	145,027,000	144,952,000	144,876,000	144,801,000	144,726,000	144,630,000	144,611,000	144,590,000		144,709,000	80,756,000	80,717,000	80,678,000	80,639,000	80,600,000	80,561,000	80,521,000	75,117,000	75,192,000	10,310,000	10,310,000,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000	10,310,000		10,310,000
operating lease liabilities	6,273,000	6,131,000	6,452,000	6,783,000	6,550,000	6,602,000	6,353,000	6,624,000	7,810,000	8,092,000	4,145,000	3,876,000	4,192,000		5,247,000
finance lease liabilities	1,556,000	1,602,000	1,648,000	1,693,000	1,739,000	1,784,000	1,829,000	1,874,000	1,918,000	1,962,000	2,006,000	2,050,000	2,094,000		2,187,000
allowance for credit losses on obsc exposures	2,107,000
other liabilities	36,968,000	39,387,000	36,265,000	35,764,000	40,987,000	52,478,000	43,956,000	34,396,000	31,146,000	34,488,000	16,922,000	14,814,000	20,665,000	279,107,000	21,179,000	275,282,000	10,056,000	33,720,000	41,264,000	28,299,000	24,167,000	23,373,000	21,468,000	19,975,000	15,733,000	12,438,000	11,734,000	9,396,000	5,470,569,000	8,100,000	200,004,000	191,914,000	3,606,000	3,685,000	4,127,000	2,859,000	2,559,000	2,708,000	10,811,000	11,533,000	11,829,000	13,447,000	12,201,000	11,268,000	11,045,000	10,427,000	11,790,000	9,434,000	6,128,000
total liabilities	6,999,347,000	6,954,772,000	6,993,915,000	7,003,847,000	7,050,311,000	6,987,064,000	6,962,662,000	7,120,889,000	5,815,054,000	5,833,377,000	5,476,973,000	5,605,655,000	5,401,242,000		4,849,681,000			4,525,790,000	4,457,110,000	3,505,875,000	3,398,205,000	3,003,843,000	3,006,303,000	3,078,632,000	2,640,732,000	2,220,144,000	2,195,863,000	2,040,874,000	1,590,770,523,000	1,620,996,000			1,153,980,000	1,114,602,000	1,134,754,000	1,036,227,000	1,019,214,000	1,047,382,000	978,389,000	919,512,000	901,071,000	868,135,000	882,820,000	701,815,000	660,296,000	637,316,000	660,501,000		442,709,000
stockholders’ equity:
common stock	32,410,000	32,450,000	32,464,000	32,468,000	32,339,000	32,343,000	32,345,000	32,304,000	25,275,000	25,278,000	21,779,000	21,734,000	21,669,000		21,670,000			21,603,000	21,590,000	19,047,000	18,997,000	17,308,000	17,300,000	17,299,000	14,857,000	13,101,000	13,092,000	12,366,000	11,192,401,000	9,180,000			5,455,000	5,459,000	5,459,000	5,403,000	5,401,000	5,401,000	5,338,000	5,180,000	5,176,000		5,120,000	3,169,000	3,135,000	3,135,000	3,135,000		3,046,000
additional paid-in capital	777,508,000	776,731,000	776,098,000	775,442,000	775,232,000	774,598,000	774,101,000	773,612,000	558,833,000	558,181,000	459,503,000	459,075,000	459,228,000		457,396,000			456,184,000	455,650,000	409,855,000	409,805,000	355,641,000	355,217,000	354,792,000	278,659,000	216,604,000	216,310,000	193,302,000	158,455,979,000	104,965,000			44,996,000	44,865,000	44,668,000	44,469,000	44,294,000	44,419,000	44,262,000	42,239,000	42,107,000	41,994,000	41,902,000	23,753,000	23,636,000	23,570,000	23,505,000		23,419,000
retained earnings	346,182,000	335,689,000	324,899,000	313,001,000	300,150,000	296,559,000	279,350,000	262,396,000	252,623,000	241,132,000	231,654,000	219,589,000	206,228,000		180,820,000			141,474,000	131,698,000	116,886,000	110,460,000	100,107,000	89,231,000	78,594,000	71,998,000	65,878,000	61,369,000	57,124,000	53,720,927,000	51,649,000			42,543,000	40,299,000	37,939,000	33,554,000	31,613,000	29,717,000	26,219,000	24,972,000	23,637,000	21,305,000	20,538,000	20,954,000	19,000,000	18,356,000	17,542,000		12,419,000
accumulated other comprehensive income	-109,558,000				-117,576,000	-165,168,000	-145,239,000	-130,774,000	-148,957,000	-162,009,000	-111,373,000	-68,847,000	7,978,000		19,097,000			24,801,000	24,550,000		10,089,000				-1,796,000				-437,742,000	1,650,000			3,005,000	3,016,000	2,472,000	1,537,000	467,000	2,570,000	1,114,000	727,000	-83,000	-1,291,000	-1,541,000	2,615,000	3,060,000	1,723,000	911,000		2,000
treasury stock	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-41,111,000	-18,931,000		-18,931,000			-5,693,000	-5,693,000	-5,693,000	-5,693,000	-5,341,000	-4,906,000	-464,000	-464,000	-464,000	-464,000	-464,000	-463,645,000	-464,000			-464,000	-464,000	-464,000		-464,000	-464,000	-464,000	-464,000	-464,000		-464,000		-464,000	-464,000	-464,000		-464,000
total stockholders' equity	1,005,431,000				949,034,000				646,663,000				676,172,000
total liabilities and stockholders' equity	8,004,778,000				7,999,345,000				6,461,717,000				6,077,414,000
loans held for investment		5,318,590,000	5,250,893,000	5,139,952,000		5,089,800,000	5,010,925,000	4,969,776,000		3,719,388,000	3,124,924,000	2,970,246,000			3,036,732,000
allowance for credit losses		-55,700,000	-55,133,000	-53,959,000		-53,565,000	-52,614,000	-52,450,000		-38,356,000	-32,400,000	-31,620,000			-32,457,000
net loans held for investment		5,262,890,000	5,195,760,000	5,085,993,000		5,036,235,000	4,958,311,000	4,917,326,000		3,681,032,000	3,092,524,000	2,938,626,000			3,004,275,000
cash surrender value of bank-owned life insurance		136,579,000	135,684,000	135,148,000		133,540,000	132,737,000	131,945,000		95,351,000	84,763,000	84,357,000			86,926,000			73,356,000	73,008,000	65,713,000		59,254,000	58,971,000					33,137,000		26,367,000
liabilities and shareholders' equity
liabilities:
noninterest-bearing		1,796,746,000	1,870,305,000	1,836,952,000		1,967,661,000	2,086,666,000	2,082,441,000		1,770,848,000	822,841,000	810,723,000			682,014,000			482,236,000	486,039,000	340,606,000		642,054,000	645,838,000	655,900,000		430,430,000	459,402,000	414,142,000		308,050,000			196,786,000	194,950,000	194,433,000	187,542,000	193,810,000	203,766,000	195,957,000	183,226,000	179,334,000	169,001,000	182,324,000	111,492,000	110,051,000	104,482,000	110,198,000		48,730,000
allowance for credit losses on off-balance sheet credit exposures		2,075,000	2,075,000	2,075,000	2,075,000	2,075,000	2,075,000	1,825,000	1,325,000	1,220,000	1,220,000	1,070,000	1,070,000		718,000
shareholders’ equity:
accumulated other comprehensive		-92,076,000	-120,465,000	-119,888,000																								-3,789,000
total shareholders’ equity		1,011,683,000	971,885,000	959,912,000		897,221,000	899,446,000	896,427,000		621,471,000	560,452,000	590,440,000			660,052,000			638,369,000	627,795,000
total liabilities and shareholders’ equity		7,966,455,000	7,965,800,000	7,963,759,000		7,884,285,000	7,862,108,000	8,017,316,000		6,454,848,000	6,037,425,000	6,196,095,000		5,511,227,000	5,509,733,000	5,337,264,000		5,164,159,000	5,084,905,000																														485,889,000
loans, net of acl of 54,032 in 2023 and 38,917 in 2022					5,116,010,000
loans, net of acl of 38,917 in 2022 and 30,742 in 2021									3,735,240,000
debt securities available-for-sale securities, at fair value													1,751,832,000
loans, net of acl of 30,742 in 2021 and alll 35,820 in 2020													2,928,811,000

earning assets:
taxable securities														986,821,000		699,585,000															186,615,000	189,249,000
tax exempt securities														377,610,000		367,322,000															78,290,000
total investment securities														1,364,431,000		1,066,907,000															264,905,000	266,044,000
interest bearing deposits in other banks														656,891,000		614,283,000
loans														2,983,771,000		3,097,145,000	3,020,280,000	3,155,932,000	3,171,535,000	2,602,288,000		2,349,986,000	2,351,998,000	2,335,348,000		1,748,483,000	1,710,271,000	1,516,579,000		1,198,193,000	809,806,000	779,418,000	854,366,000	824,083,000	797,764,000	746,588,000	731,037,000	716,359,000	667,533,000	606,812,000	590,947,000	571,114,000	554,838,000	421,691,000	388,062,000	382,341,000	380,445,000		317,207,000
total earning assets														5,005,093,000		4,778,335,000	4,255,986,000														1,097,135,000	1,078,766,000																453,173,000
interest-bearing liabilities:
deposits														4,422,690,000		4,172,326,000															843,771,000	777,692,000
total interest-bearing liabilities														4,567,526,000		4,417,059,000															904,937,000
shareholders’ equity														664,594,000		644,923,000																																43,712,000
net interest income														40,028,000		39,229,000				34,065,000		30,459,000	30,772,000								10,099,000	9,912,000			9,675,000	9,287,000
net interest margin														3,200		3,280															3,680	3,680
net interest income (fte)*														40,673,000		39,884,000
net interest margin (fte)*														3,250		3,340
debt securities available-for-sale, at fair value															1,280,761,000
liabilities and shareholders’ equity
earning assets
securities																	917,858,000															76,795,000																106,891,000
federal funds sold and interest bearing deposits with other banks																	317,848,000
other																	523,412,000			6,553,000		5,876,000	6,653,000												2,173,000	2,212,000												859,000
liabilities
interest-bearing liabilities																	3,901,797,000																															395,956,000
demand deposits																	260,435,000																															49,203,000
stockholders’ equity																	607,110,000
total liabilities and stockholders’ equity																	4,779,398,000			4,061,801,000	3,941,863,000	3,481,931,000	3,472,584,000	3,532,979,000	3,003,986,000	2,508,942,000	2,481,689,000	2,299,413,000	1,813,238,443,000	1,787,976,000	1,210,707,000	1,196,328,000	1,266,638,000	1,224,900,000	1,241,951,000	1,137,849,000	1,117,648,000	1,146,148,000	1,071,981,000	1,009,289,000	988,567,000	951,895,000	965,437,000	788,883,000	725,668,000	700,616,000	722,089,000
net interest spread																	3,590																															3,380
net yield on interest-earning assets																	155,025,000
allowance for loan losses																		-34,256,000	-28,064,000	-20,804,000		-13,043,000	-12,091,000	-11,235,000		-9,765,000	-9,512,000	-8,659,000		-8,175,000			-7,481,000	-7,259,000	-6,982,000	-6,734,000	-6,419,000	-5,928,000	-6,084,000	-5,999,000	-5,811,000	-5,672,000	-5,393,000	-4,918,000	-4,400,000	-4,468,000	-4,372,000	-4,513,000	-4,827,000
liabilities and stockholders’ equity
accumulated other comprehensive gain																				15,831,000		10,373,000	9,439,000	4,126,000
total stockholders’ equity																				555,926,000	543,658,000	478,088,000	466,281,000	454,347,000	363,254,000	288,798,000	285,826,000	258,539,000	222,467,920,000	166,980,000			112,658,000	110,298,000	107,197,000	101,622,000	98,434,000	98,766,000	93,592,000	89,777,000	87,496,000	83,760,000	82,617,000	87,068,000	65,372,000	63,300,000	61,588,000
interest income:
interest and fees on loans																				36,005,000		32,480,000	32,464,000												9,035,000	8,629,000
interest and dividends on securities:
taxable interest and dividends																				4,034,000		3,924,000	4,241,000												1,072,000	1,001,000
tax exempt interest																				1,360,000		828,000	790,000												460,000	437,000
interest on federal funds sold and interest bearing deposits in other banks																				199,000		9,000	76,000
total interest income																				41,598,000		37,241,000	37,571,000												10,597,000	10,080,000
interest expense:
interest on deposits																				5,414,000		5,061,000	5,322,000												701,000	646,000
interest on borrowed funds																				2,119,000		1,721,000	1,477,000												221,000	147,000
total interest expense																				7,533,000		6,782,000	6,799,000												922,000	793,000
benefit from loan losses																				7,102,000		974,000	791,000												190,000	250,000
net interest income after
non-interest income:
service charges on deposit accounts																				1,914,000		1,979,000	1,918,000												1,281,000	1,542,000
gain on sale of securities																				174,000
other service charges and fees																				4,386,000		5,124,000	4,798,000												1,202,000	440,000
total non-interest income																				6,474,000		7,103,000	6,716,000
non-interest expenses:
salaries and employee benefits																				13,228,000		11,612,000	11,615,000												5,149,000	4,628,000
occupancy and equipment																				2,918,000		2,632,000	2,532,000												1,073,000	1,137,000
acquisition and integration charges																				740,000		705,000	91,000
total non-interest expenses																				23,439,000		20,825,000	20,891,000
income before income taxes																				9,998,000		15,763,000	15,806,000												3,573,000	3,042,000
income taxes																				1,687,000		3,491,000	3,823,000												969,000	815,000
net income																				8,311,000		12,272,000	11,983,000												2,604,000	2,227,000
basic earnings per share																				440		720	700
diluted earnings per share																				440		710	690
held-to-maturity securities																									6,000,000				6,000,000,000
debt securities available-for-sale securities																					765,087,000
loans, net of allowance for loan losses of 13,908 in 2019 and 10,065 in 2018																					2,586,450,000
federal funds sold																											2,079,000	17,305,000	475,000,000				2,395,000	310,000	26,692,000	7,834,000	5,845,000	42,617,000	1,298,000	2,477,000	22,261,000	1,328,000	4,941,000	7,221,000	990,000	764,000	806,000	16,473,000	10,419,000
securities held-to-maturity, at amortized cost																						6,328,000	6,396,000	6,397,000		6,000,000	6,000,000	6,000,000		6,000,000			6,000,000	6,025,000	6,851,000	7,233,000	7,651,000	7,829,000	8,411,000	8,421,000	8,429,000	8,446,000	8,455,000	8,462,000	8,478,000	8,484,000	8,492,000		3,000
net interest income after benefit from loan losses																						29,485,000	29,981,000												9,485,000	9,037,000
cash surrender value of bank-owned life
insurance																								58,405,000		36,880,000	36,634,000
3
available-for-sale securities																									492,224,000				356,893,081,000
loans, net of allowance for loan losses of 10,065 in 2018 and 8,288 in 2017																									2,050,357,000
accumulated other comprehensive loss																										-6,321,000	-4,481,000
loans, net of allowance for loan losses of 8,288,009 in 2017 and 7,510,314 in 2016																													1,217,017,663,000
2
fed funds sold																															9,902,000	12,395,000
int bearing deposits in other banks																															12,522,000	20,909,000
repo																															5,000,000	5,000,000
fed funds purchased																															2,894,000	782,000
fhlb and ftn																															42,962,000	106,352,000
stockholders' equity																															105,766,000	104,278,000
tax exempt
total interest- bearing liabilities																																900,136,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at september 30, 2016 and december 31, 2015, respectively																																	17,123,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at june 30, 2016 and december 31, 2015, respectively																																		17,123,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at march 31, 2016 and december 31, 2015, respectively																																			17,123,000
interest on federal funds sold																																			30,000	13,000
other income:
total other income																																			2,483,000	1,982,000
other incomes:
total other incomes																																			8,395,000	7,977,000
preferred stock accretion and dividends																																			85,000	86,000
net income applicable to common stockholders																																			2,519,000	2,141,000
net income applicable to common stockholders:
basic																																			470	400
diluted																																			460	390
dividends per share – common																																			37.5	37.5
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at september 30, 2015 and december 31, 2014, respectively																																				17,123,000
september 30, 2015 and at
december 31, 2014																																				-464,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at june 30, 2015 and december 31, 2014, respectively																																					17,123,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at march 31, 2015 and december 31, 2014, respectively																																						17,123,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at september 30, 2014 and december 31, 2013, respectively																																							17,123,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at june 30, 2014 and december 31, 2013, respectively																																								17,123,000
1
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at march 31, 2014 and december 31, 2013, respectively																																									17,123,000
preferred stock, no par value, 1,000 per
share liquidation, 10,000,000 shares
authorized; 17,123 issued and outstanding
at september 30, 2013 and december 31,
2012, respectively																																										17,082,000
10,000,000 shares authorized; 5,133,625
shares issued at september 30, 2013 and
3,133,596 at december 31, 2012,
respectively																																										5,134,000
september 30, 2013 and at december 31, 2012																																										-464,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at june 30, 2013 and december 31, 2012, respectively																																											17,062,000
preferred stock, series d, par value 10.25, 1,951,220 issued and outstanding at march 31, 2013 and 0 issued and outstanding at december 31, 2012																																												20,000,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at march 31, 2013 and december 31, 2012, respectively																																												17,041,000
march 31, 2013 and at december 31, 2012																																												-464,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at sept. 30, 2012 and at december 31, 2011																																													17,000,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at june 30, 2012 and at december 31, 2011																																														16,980,000
preferred stock, no par value, 1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at march 31, 2012 and at december 31, 2011																																															16,959,000
loans (2																																																328,950,000
total liabilities and
net yield on interest-earning
cash surrender value																																																	5,819,000
other real estate																																																	2,499,000
time, 100,000 or more																																																	90,720,000
shareholders' equity:
preferred stock, no par value 1,000 per share liquidation, 10,000,000 shares authorized; 5,000 shares issued and outstanding at september 30, 2009 and no shares issued at december 31, 2008																																																	4,758,000
total shareholders' equity																																																	43,180,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

cash flows from operating activities
net income	18,298,000	18,571,000	19,697,000	20,628,000	11,047,000	24,360,000	23,779,000	16,271,000	16,295,000	14,042,000	15,753,000	16,829,000	15,791,000	16,132,000	15,600,000	16,644,000	15,334,000	11,917,000	16,943,000	8,311,000	11,855,000	12,272,000	11,983,000	7,635,000	5,162,000	5,245,000	3,957,000	2,414,476	4,714,000	2,366,000	1,122,000	2,307,687	2,558,000	2,649,000	2,604,000	2,357,702	2,227,000	2,185,000	2,029,000	2,040,696	1,533,000	1,613,000	1,427,000	1,104,000	812,000	1,225,000	872,000	1,037,000	971,000	746,000	670,000	501,000	622,000	649,000	536,000	191,000	335,000	339,000	790,000	1,293,000	1,112,000	711,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization																																																									38,000	273,000	320,000	50,000	185,000	341,000
fhlb stock dividends
provision for credit losses
deferred income taxes
restricted stock expense	2,628,000	674,000	667,000	653,000	652,000	527,000	530,000	593,000	705,000	708,000	546,000	466,000	983,000	1,128,000	549,000	440,000	788,000	547,000	539,000	478,000	448,000	432,000	426,000	355,000	326,000	306,000	252,000	232,558	232,000	219,000	183,000	199,311	197,000	197,000	179,000	182,124	177,000	178,000	184,000	162,779	160,000	157,000	138,000	106,000	100,000	77,000	66,000	65,000	43,000	32,000	33,000	23,000
increase in cash value of life insurance	-968,000	-958,000	-995,000	-899,000	-929,000	-803,000	-792,000	-795,000	-525,000	-496,000	-506,000	-574,000	-548,000	-457,000	-468,000	-482,000	-375,000	-390,000	-421,000	-328,000	-268,000	-283,000	-566,000	-297,000	-246,000	-213,000	-198,000	-206,659	-178,000	-174,000	-180,000	-144,734	-143,000	-142,000	-99,000	-100,535	-101,000	-101,000	-106,000	-103,804	-108,000	-119,000	-39,000	-35,000	-31,000	-41,000	-42,000	-44,000	-44,000	-47,000	-47,000	-46,000	-50,000	-51,000	-77,000	-52,000	0	-54,000	-36,000	-56,000	-52,000	-50,000
amortization and accretion, net, related to acquisitions
bank premises and equipment loss
acquisition gain									0	0							-812,000	0
securities loss	222,000	-225,000	-14,000	48,000	9,670,000	-2,000			0	-1,000	80,000	3,000
change in value of equity securities
loss on sale/writedown of other real estate
residential loans originated and held for sale	-19,925,000	-20,127,000	-25,886,000	-19,923,000	-15,617,000	-25,793,000	-28,476,000	-21,900,000	-39,718,000	-33,882,000	-40,393,000	-38,783,000	-48,085,000	-47,982,000	-55,024,000	-79,365,000	-86,778,000	-94,559,000	-82,556,000	-55,076,000	-51,383,000
proceeds from sale of residential loans held for sale	19,225,000	23,032,000	24,235,000	18,596,000	18,663,000	26,435,000	25,947,000	22,270,000	37,500,000	38,360,000	41,903,000	38,248,000	48,947,000	45,442,000	64,143,000	85,678,000	87,682,000	90,641,000	78,196,000	51,828,000	51,562,000
changes in:
interest receivable	-618,000	2,055,000	-485,000	-1,654,000	-2,758,000	295,000	-854,000	2,089,000	-3,153,000	1,453,000	-1,309,000	22,000	18,000	882,000	660,000	1,658,000	-522,000	-1,040,000	-7,482,000	-141,000	-925,000	413,000	-408,000	-283,000	-553,000	-6,000	-11,000	-970,501	-16,000	-72,000	344,000	-343,760	89,000	163,000	-313,000	-144,332	-181,000	322,000	-291,000	206,693	-277,000	57,000	-139,000	-114,000	23,000	-49,000	-44,000	76,000	-314,000	-172,000	-130,000	5,000	437,000	-68,000	79,000	274,000	381,000	40,000	517,000	-77,000	-565,000	16,000
other assets
interest payable	136,000	-1,680,000	1,695,000	-8,997,000	8,902,000	5,832,000	3,881,000	763,000	1,959,000	-242,000	301,000	-405,000	295,000	-451,000	225,000	-532,000	-186,000	125,000	-690,000	377,000	272,000	451,000	-243,000	434,000	-551,000			79,826	19,000	-35,000	-34,000	31,348	31,000	8,000	-10,000	13,888	-23,000	-20,000	-41,000	18,782	-25,000	-54,000	-49,000	-57,000	-69,000	-14,000	-32,000	-27,000	-22,000	-24,000	-23,000	-24,000	-6,000	-78,000	-173,000	-172,000	-172,000	-281,000	95,000	726,000	-604,000	363,000
operating lease liability	142,000	-321,000	-331,000	233,000	-52,000	249,000	-271,000	-1,186,000	-5,206,000	3,947,000	269,000	-316,000	-143,000	-912,000	-386,000	-398,000
other liabilities
net cash from operating activities	17,704,000	32,041,000	25,533,000	10,234,000	28,151,000	41,611,000	34,092,000	4,654,000	21,634,000	23,194,000	22,095,000	23,104,000	18,843,000	18,867,000	25,798,000	32,207,000	15,001,000	9,097,000	13,086,000	14,001,000	14,032,000	13,512,000	9,453,000	7,703,000	11,094,000	14,635,000	-2,754,000	5,486,049	8,885,000	4,063,000	3,164,000	6,940,081	399,000	501,000	1,737,000	2,300,655	5,012,000	843,000	1,582,000	-1,358,742	4,439,000	517,000	3,460,000	6,945,000	3,702,000	5,633,000	1,662,000	517,000	4,786,000	2,255,000	432,000	1,886,000				1,043,000	1,303,000	1,047,000	5,637,000	6,605,000	-262,000	-970,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0				0	0	0	0	0	0	0
free cash flows	17,704,000	32,041,000	25,533,000	10,234,000	28,151,000	41,611,000	34,092,000	4,654,000	21,634,000	23,194,000	22,095,000	23,104,000	18,843,000	18,867,000	25,798,000	32,207,000	15,001,000	9,097,000	13,086,000	14,001,000	14,032,000	13,512,000	9,453,000	7,703,000	11,094,000	14,635,000	-2,754,000	5,486,049	8,885,000	4,063,000	3,164,000	6,940,081	399,000	501,000	1,737,000	2,300,655	5,012,000	843,000	1,582,000	-1,358,742	4,439,000	517,000	3,460,000	6,945,000	3,702,000	5,633,000	1,662,000	517,000	4,786,000	2,255,000	432,000	1,886,000				1,043,000	1,303,000	1,047,000	5,637,000	6,605,000	-262,000	-970,000
cash flows from investing activities
available-for-sale securities:
sales					114,643,000	0	525,000	170,625,000
maturities, prepayments, and calls	29,303,000	95,807,000	35,468,000	75,302,000	44,429,000	29,348,000
purchases	3,043,000	2,557,000	-72,339,000	-128,487,000	-7,473,000
held-to-maturity securities:
purchase of other securities
purchase of equity securities
proceeds from redemption of other securities
net decrease in loans				33,486,000			-36,719,000	-33,405,000	-52,778,000	-110,082,000	-153,743,000	-9,510,000		76,675,000	18,294,000	65,731,000																																								4,800,000
net changes to premises and equipment
bank-owned life insurance - death proceeds
purchase of bank owned life insurance																																								0	0	-4,950,000	-2,550,000
proceeds from sale of other real estate owned	505,000	123,000	186,000	768,000	1,971,000	511,000	131,000	456,000	6,670,000	1,424,000	565,000	271,000	341,000	790,000	2,600,000	831,000	1,012,000	1,184,000	1,308,000	532,000	2,403,000	1,587,000	722,000	385,000	186,000	92,000	893,000	1,186,936	0	118,000	5,641,000
proceeds from sale of premises and equipment
cash received in excess of cash paid for acquisition																																								2,735				0
continued:
net cash from investing activities	-53,516,000	25,110,000	-136,675,000	16,779,000	72,659,000	-39,630,000	5,087,000	289,879,000	-18,028,000	-31,253,000	-332,652,000	-324,956,000	103,064,000	-119,585,000	-122,839,000	-67,995,000					-16,614,000	-12,844,000	-12,692,000	-20,532,000	-32,537,000	-17,827,000	-7,762,000	-34,096,374	-36,000	-61,919,000	-45,352,000	-26,790,083	-24,110,000	-21,689,000	-39,711,000	-30,215,899	-18,302,000	-4,759,000	-3,230,000	-29,301,188	3,448,000	-45,663,000	-7,176,000	-21,234,000	-6,027,000	-11,500,000		-2,294,000	-18,495,000	116,924,000	-34,180,000	-9,619,000				9,720,000	19,646,000	-844,000	1,830,000	-21,982,000	-30,950,000	-29,877,000
cash flows from financing activities
increase in deposits	49,194,000	-67,952,000	-85,887,000	245,821,000			-175,839,000	-219,484,000	-57,401,000	-245,334,000	-131,540,000	210,953,000	144,132,000	-1,310,000	53,675,000	405,078,000	-11,810,000	12,275,000	462,826,000	201,122,000			-83,064,000	144,318,000	-50,839,000	-46,362,000	163,797,000	-37,396,824	-42,747,000	-17,637,000	173,697,000	-32,597,850	39,426,000	-8,742,000	124,410,000	-47,114,409	1,788,000	-22,498,000	91,915,000	-14,693,491	-35,646,000	20,404,000	83,781,000	-28,976,000	-5,825,000	66,652,000	33,904,000	-23,294,000	37,867,000	-11,035,000	-883,000	38,185,000	-7,513,000	-13,896,000	35,321,000	12,709,000	-31,730,000	-8,256,000	45,699,000	-10,740,000	17,653,000	34,208,000
proceeds from borrowed funds	1,417,000,000	1,516,000,000	999,700,000	100,000,000
repayment of borrowed funds
dividends paid on common stock	-7,669,000	-7,670,000	-7,668,000	-7,657,000	-7,350,000	-7,042,000	-6,736,000	-6,422,000	-4,731,000	-4,494,000	-3,627,000	-3,423,000	-3,309,000	-3,102,000	-2,892,000	-2,688,000	-2,526,000	-2,106,000	-2,105,000	-1,852,000	-1,478,000	-1,345,000	-1,347,000	-1,020,000	-641,000	-640,000	-548,000	-410,524	-335,000	-335,000	-335,000	-195,936	-196,000	-196,000	-195,000	-194,428	-195,000	-195,000	-194,000	-193,143	-194,000	-187,000	-189,000	-187,000	-113,000	-113,000	-114,000	-113,000	-113,000	-114,000	-113,000	-113,000	-152,000	-76,000	-226,000
cash paid to repurchase common stock									0	0	0	-22,180,000	0	0	0	-5,171,000					-352,000	-435,000
repurchase of restricted stock for payment of taxes	-1,891,000	-54,000	-16,000	-314,000	-22,000	-32,000	0	-307,000	-56,000	0	-73,000	-554,000	-268,000	-12,000	0	-441,000	-57,000	0	-59,000	-378,000								413	0	-43,000	-287,000	-112	-71,000	0	-105,000	-390	0	0	-92,000	-171,532	171,000	-21,000	-64,000
principal payment on finance lease liabilities
called/repayment of subordinated debt					-5,000,000	0
net cash from financing activities	42,088,000	-50,622,000	-21,216,000	-42,196,000	56,705,000	1,601,000	-178,620,000	-106,357,000	-22,132,000	-184,871,000	-135,285,000	184,752,000	140,510,000	-4,472,000	46,270,000	286,491,000	-23,875,000	73,768,000	450,987,000	100,753,000	11,456,000	-6,662,000	-79,353,000	102,298,000	23,389,000	-38,904,000	81,116,000	27,215,217	-8,128,000	1,941,000	128,580,000	11,854,970	39,048,000	-20,000,000	92,680,000	3,941,372	16,502,000	-28,537,000	51,504,000		-12,883,000	18,611,000	46,442,000	-15,788,000	-7,286,000	66,442,000	22,194,000	-22,002,000	37,437,000	-14,254,000	-1,099,000	37,967,000				7,216,000	-24,348,000	-18,543,000	34,429,000	14,743,000	29,420,000	25,858,000
net change in cash and cash equivalents	6,276,000	6,529,000	-132,358,000	-15,183,000	157,515,000	3,582,000	-139,441,000	188,176,000	-18,526,000	-192,930,000	-445,842,000	-117,100,000		-105,190,000	-50,771,000	250,703,000		64,611,000
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
supplemental disclosures:
cash paid during the year for:
interest
income taxes, net of refunds
non-cash activities:
transfers of loans to other real estate
transfer of securities available-for-sale to held-to-maturity
issuance of restricted stock grants					0	3,000					48,000	82,000	8,000	-2,000	3,000	85,000	0	13,000	4,000	61,000	14,000	8,000	1,000	66,000	9,000	0	52,000	-714	1,000	10,000	74,000	247	0	0	61,000	67,327	-65,000	0	67,000	4,627	0	6,000	57,000	14,000	0	35,000	0	0	42,000	0	0	34,000
stock issued in connection with bbi acquisition
stock issued in connection with hsbi acquisition					-6,698,900,000	0
dividends on restricted stock grants					107,000	108,000					60,000	45,000	54,000	50,000	50,000	35,000	41,000	35,000	26,000	33,000	24,000	51,000	-1,000	19,000
right-of-use assets obtained in exchange for operating lease liabilities																						39,000	759,000	3,595,000
lease liabilities arising from bbi acquisition
lease liabilities arising from hsbi acquisition					0	0
cash flows from operating activities:
depreciation, amortization, and accretion		5,714,000	4,774,000	3,700,000		1,648,000
provision for credit loss		1,000,000				1,000,000	1,250,000	11,000,000		4,450,000
loss on sale or write-down of ore		31,000	201,000	-33,000
loss on disposal of premises and equipment		344,000					-1,000	-662,000		1,000	115,000	-2,000				4,000
federal home loan bank stock dividends		-94,000	-98,000	-109,000		-57,000				-7,000				0	-12,000	-14,000		-17,000	-48,000	-53,000		-29,000			-21,000	-24,000	-40,000		-12,000	-29,000	-13,000		-17,000	-8,000	-2,000		-3,000	-3,000	-1,000		0				-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-1,000	-10,000
other		4,025,000	586,000	-2,009,000		7,596,000	9,821,000	-27,191,000		-4,185,000	1,936,000	4,093,000		570,000	-3,254,000	5,351,000		-8,609,000	5,833,000	450,000		1,026,000	-553,000	-630,000	3,980,000	10,504,000	-10,773,000		1,194,000	578,000	-34,000		-2,679,000	-568,000	365,000		1,011,000	-2,245,000	-1,650,000		2,708,000	-1,457,000	-48,000	3,770,000	95,000	1,805,000	1,396,000	-758,000	2,649,000	2,486,000	-28,000	-194,000	902,000	1,454,000	-1,479,000	857,000	400,000	-479,000	2,415,000	998,000	-1,456,000	-149,000
cash flows from investing activities:
purchases of other securities		-9,734,000			-7,531,000	-90,000	-1,842,000	-7,631,000	-2,864,000																																							-286,000	-157,000
proceeds from other securities		222,000	0	3,769,000		0	762,000	7,979,000
net increase in loans		-68,077,000																15,330,000	-175,940,000	-925,000		2,884,000	-15,396,000	-29,961,000	-38,363,000	-26,323,000	-21,719,000		-10,268,000	-48,218,000	-35,724,000		-30,335,000	-26,948,000	-26,736,000		-15,413,000	-14,116,000	-12,650,000		-20,190,000	-16,014,000	-12,898,000	-16,728,000	-10,943,000	-13,719,000	-8,295,000	-3,649,000	1,924,000	3,465,000	-10,957,000	-6,362,000	-4,585,000	2,509,000	-16,728,000		14,417,000	12,368,000	4,372,000	-24,677,000	-41,487,000	-17,411,000
net changes in premises and equipment		-963,000	-613,000	-717,000		167,000	-1,850,000	-1,066,000		-1,631,000	-2,942,000	-1,183,000		-5,661,000	-504,000	-283,000
proceeds from the sale of premises and equipment		0				685,000
benefits received on bank owned life insurance policies		63,000
cash received in excess of cash paid for acquisitions						0	0	106,973,000										0				0	0	14,743,000	0	8,998,000	20,903,000		0	-314,000	3,727,000
cash flows from financing activities:
repayments of borrowed funds		-1,490,900,000	-927,300,000	-380,000,000
principal payments on finance lease liabilities		-46,000	-45,000	-46,000		-45,000	-45,000	-44,000		-44,000	-44,000	-44,000		-47,000	-47,000	-47,000
beginning cash and cash equivalents		0	0	355,147,000		0	0	145,315,000		0	0	919,713,000		0	0	562,554,000		0
ending cash and cash equivalents		6,529,000	-132,358,000	339,964,000		3,582,000	-139,441,000	333,491,000		-192,930,000	-445,842,000	802,613,000		-105,190,000	-50,771,000	813,257,000		64,611,000
proceeds from sale of land
payment on subordinated debt issuance costs
loss on sale or writedown of ore						220,000	467,000	66,000		17,000				362,000	491,000	-75,000
loss on loss of premises and equipment
bank-owned life insurance – death proceeds										0	0	1,630,000
decrease in deposits
net change in borrowed funds						22,000,000	30,000,000	119,900,000
loans transferred to other real estate						276,000					2,000	493,000		204,000	853,000	723,000		1,199,000	49,000	504,000		306,000	364,000	946,000	525,000	512,000	473,000		81,000	334,000	421,000		222,000	722,000	1,554,000		0	0	506,000		618,000	57,000	1,297,000	438,000	1,341,000	96,000	2,211,000	1,704,000	2,438,000	1,109,000	1,393,000	455,000	1,179,000
lease liabilities arising from obtaining right-of-use assets														0				493,000	250,000	2,419,000
payment of subordinated debt issuance costs														-1,000	0	-59,000
depreciation, amortization and accretion								3,336,000		-971,000	2,951,000	3,569,000		3,768,000	3,367,000	3,318,000		2,469,000	2,616,000	1,308,000		1,036,000	620,000	677,000	1,004,000	920,000	1,201,000		1,143,000	1,260,000	1,052,000		779,000	871,000	870,000		774,000	771,000	871,000		601,000	573,000	523,000			421,000	635,000	628,000	631,000	296,000	284,000	241,000	276,000	283,000	321,000	287,000
maturities, prepayments and calls								31,173,000
proceeds from the sale of land								731,000		0								0
issuance of subordinated debt																	-189,000								-100,000
stock issued in connection with swg acquisition																	0	0
maturities, calls and paydowns of available-for-sale and held-to-maturity securities										45,555,000	55,161,000	56,465,000						55,185,000	51,496,000	46,192,000		30,796,000					12,942,000				20,080,000		9,563,000	18,428,000	9,150,000
proceeds from sales of securities available-for-sale																	0	0			12,686,000	-2,713,000	2,712,000	20,291,000	0	2,044,000	16,529,000
purchases of available-for-sale and held-to-maturity securities										-4,545,000	-232,044,000	-372,629,000
purchase of bank-owned life insurance														-86,000	4,000	-12,248,000			0	-5,800,000									0	0	-469,000		0
redemptions (purchases) of other securities																									-2,763,000	1,885,000	551,000
net decrease in borrowed funds														0	-4,466,000	-110,181,000			-9,675,000	-98,139,000			9,500,000	-41,000,000						19,956,000	-44,495,000		0	-10,976,000	-31,345,000		14,995,000	-5,455,000	-40,004,000		22,852,000	-1,500,000	-37,000,000			-20,011,000			-231,000	-3,019,000	-18,000	-19,000	-281,000	-1,105,000	-26,000	-10,519,000			-11,053,000			-913,000
gain on sale or writedown of ore												-46,000
redemptions of other securities														0	-76,000	5,352,000			903,000	832,000			-2,420,000	2,712,000
securities gains
purchases of available-for-sale securities													-351,711,000	-257,029,000	-198,848,000	-180,948,000	-115,698,000	-86,625,000	-118,155,000	-36,277,000	-72,945,000	-40,410,000	-20,548,000	-46,599,000	-7,209,000	-20,190,000	-36,849,000	-21,550,412	-5,091,000	-26,680,000	-35,875,000	-23,109,251
proceeds from maturities and calls of available-for-sale securities
decrease in loans
net additions to premises and equipment
proceeds from sale of other assets
net increase in cash and cash equivalents
stock issued in connection with fpb acquisition																					0	0	0	78,220,000
stock issued in connection with ffb acquisition
securities gain														-10,000	-77,000	-20,000		-32,000	-72,000	-174,000
maturities, calls and paydowns of available-for-sale securities														65,726,000	55,691,000	53,570,000
proceeds from sales of securities available-for-sale securities

gain on disposal of premises and equipment
cash payments for interest																5,512,000		-1,745,000	-562,000	5,567,000		-90,000	711,000	4,297,000	4,466,000	2,723,000	2,241,000		1,815,000	1,765,000	1,601,000		1,170,000	1,008,000	932,000		863,000	872,000	892,000		1,675,000	254,000	672,000	747,000	551,000	773,000	1,060,000	1,128,000	1,203,000	1,291,000	1,453,000	1,506,000	1,629,000			2,984,000	3,355,000	4,097,000	3,895,000	3,261,000	4,207,000	2,981,000
provision for loan losses																	3,523,000	6,920,000	7,606,000	7,102,000	850,000	975,000	790,000	1,123,000	412,000	857,000	277,000	121,653	90,000	248,000	46,000			204,000	190,000	10,069	250,000			152,260	631,000
increase in loans
net proceeds from issuance of stock
stock issued in connection with southwest acquisition																									0
stock issued in connection with sunshine acquisition																									0
stock issued in connection with fmb acquisition
loss on sale/writedown of ore																		315,000	542,000	293,000		-50,000	87,000	295,000	-21,000	19,000	33,000		339,000	228,000	176,000		25,000	24,000	62,000		13,000	35,000	94,000		104,000	46,000	149,000	158,000	112,000	10,000	87,000	166,000	143,000	0	120,000	7,000	63,000	12,000	40,000	101,000
gain on sale/writedown of premises and equipment																				8,000
purchase of premises and equipment
proceeds from the sale of other assets																						0
net proceeds from (payments for) of bank-owned life insurance
net cash from (used) in investing activities																		-18,254,000	-211,707,000	3,141,000
net increase in borrowed funds																											-81,896,000																				-11,510,000										7,600,000			19,495,000
loss on sale/writedown of premises and equipment
payments on right-of-use assets																			-428,000	-382,000
net increase in premises and equipment																			-2,559,000	-1,413,000		-1,586,000	-2,879,000	-1,548,000	-750,000	-1,412,000	-1,012,000		-1,822,000	-293,000	-2,122,000		-338,000	-566,000	-151,000		-452,000	-211,000	-197,000		-374,000	-296,000	279,000
net increase in cash																				117,895,000		-5,994,000	-82,592,000	89,469,000	1,946,000	-42,096,000	70,600,000		721,000	-55,915,000	86,392,000		15,337,000	-41,188,000	54,706,000		3,212,000	-32,453,000	49,856,000		-4,996,000	-26,535,000	42,726,000	-30,077,000	-9,611,000	60,575,000			23,728,000	104,925,000	-34,847,000	30,234,000	11,754,000	-10,142,000	22,604,000	17,979,000	-3,399,000	-18,340,000	41,896,000			-4,989,000
cash and cash equivalents at beginning of period																				168,864,000		0	0	159,107,000	0	0	91,921,000		0	0	62,119,000		0	0	41,259,000		0	0	44,618,000		0	0	39,252,000	0	0	30,877,000	0	0	23,181,000	0	0	33,976,000	0	0	15,991,000	25,008,000	0	0	11,341,000	0	0	19,187,000
cash and cash equivalents at end of period																				286,759,000		-5,994,000	-82,592,000	248,576,000	1,946,000	-42,096,000	162,521,000		721,000	-55,915,000	148,511,000		15,337,000	-41,188,000	95,965,000		3,212,000	-32,453,000	94,474,000		-4,996,000	-26,535,000	81,978,000	-30,077,000	-9,611,000	91,452,000	13,582,000	-23,779,000	46,909,000	104,925,000	-34,847,000	64,210,000	11,754,000	-10,142,000	38,595,000	42,987,000	-3,399,000	-18,340,000	53,237,000	-634,000	-1,792,000	14,198,000
adjustments to reconcile net income to net cash provided by operating activities:
loss/(gain) on sale of land/bank premises/equipment
securities (gain)/losses
payments on operating leases																					-317,000	-231,000	-228,000	-122,000
(decrease)/increase in deposits
repayment of repurchase agreement
stock issued in connection with gulf coast community bank acquisition																													0	0	2,249,000
right-of-use obtained in exchange for operating lease liabilities
securities losses																						-62,000	-36,000	-38,000
gain on sale of premises and equipment
expenses associated with capital raise																									0	0	-237,000
loss on sale of premises and equipment
loans held for sale																							-2,326,000	-1,446,000	1,602,000	-3,669,000	2,548,000	-166,406	1,360,000	-526,000	502,000	3,456,598	-585,000	-2,768,000	-2,109,000	-2,918,661	868,000	-279,000	462,000	1,629,996	-536,000	-574,000	1,140,000	1,378,000	1,695,000	1,889,000	-1,646,000	-846,000	578,000	-1,291,000	-755,000	1,026,000	-1,319,000	-3,668,000	2,396,000	-1,061,000	-400,000	575,000	1,170,000	3,554,000	798,000	-2,532,000
maturities, calls and paydowns of available- for-sale and held-to-maturity securities																								19,445,000													6,854,000
cash payments for income taxes																									1,305,000				17,000				1,526,000	2,515,000	236,000		370,000	1,099,000	2,206,000		0	0	275,000	0	791,000	189,000	199,000	594,000	174,000	140,000	487,000	161,000	482,000			196,000	238,000	585,000	566,000	485,000	855,000	517,000
stock issued in connection with southwest																											36,005,000
loss on sale of land/bank premises/ equipment
proceeds from maturities and calls of available- for-sale securities
proceeds from maturities and calls of held-to- maturity securities
proceeds from sales of securities available-for- sale
proceeds from sale of land/bank premises
dividends paid on preferred stock																																-195,305	-86,000	-86,000	-85,000	-85,460	-86,000	-86,000	-85,000	-105,460	-66,000	-85,000	-86,000	-86,000	-85,000	-86,000	-86,000	-85,000	-86,000	-86,000	-85,000	-86,000	-61,000	-63,000	-62,000
repurchase of shares issued in bcb acquisition																																				290	0	0	-36,000
repayment of cdci preferred shares
repurchase of warrants																																				590	0
stock issued in connection with gulf coast community bank
gain on sale of securities																																	0							3,826													0
net purchases of other securities																																			-1,433,000
issuance of preferred shares
net (purchases)/sales of other securities																														-1,186,000	-610,000
cash flows from operatingactivities
adjustments to reconcile net income to net cash provided by operating activities:
amortization and accretion
proceeds from maturities and calls of available for-sale securities
proceeds from maturities and calls of held-to maturity securities
proceeds from sales of securities available-for sale
income taxes
loans originated to facilitate the sale of land
benefit from loan losses																																							150,000				358,000	360,000	349,000	311,000	371,000	221,000	152,000	230,000	305,000	348,000	372,000	217,000	165,000	628,000	721,000	634,000	366,000	316,000	320,000	330,000
gain on sale of bank premises																																					0	0	-119,000
proceeds from sale of bank premises																																					0	0	949,000
purchases of securities available-for-sale and held-to-maturity securities																																		-6,753,000	-20,541,000		-8,833,000
net (purchases) of other securities
gain on sale of land/bank premises
proceeds from maturities and calls of held-to-maturity securities
sale of securities
net redemptions of other securities																																					-458,000									382,000
maturities, calls and paydowns of available-for-sale and held-to-maturity																																							12,188,000
purchases of securities available-for-sale and held-to-maturity																																							-3,520,000		-1,008,000	-36,444,000	-1,008,000	-9,895,000	-57,386,000	-16,135,000	-17,886,000	-15,132,000	-27,744,000
net redemptions (purchases) of other securities																																									-1,044,000	2,023,000	-614,000
gain on sale of land																																								266
writedown of bank property
issuance of 1,951,220 common shares																																												-39,000
net cash provided by financing activities
maturities and calls of securities available-for-sale																																											9,615,000						7,716,000			9,622,000				15,795,000	8,559,000	8,441,000	7,340,000	6,281,000
maturities and calls of securities available- for-sale																																													19,868,000	18,278,000	15,681,000			19,318,000
net additions in premises and equipment																																												-226,000	-126,000	-306,000	-228,000	34,000	-234,000	-351,000	-292,000	-546,000
adjustments to reconcile net income to net cash from operating activities: depreciation, amortization and accretion
issuance of 1,951,220 shares preferred series d																																														20,000,000
impairment loss on securities																																																		0			200,000	42,000	107,000
cash received from acquisition
net cash provided byinvesting activities
net decrease in cash
purchases of securities available-for-sale																																																		-21,651,000	-30,892,000	-12,333,000	-6,715,000	-12,195,000	-12,250,000	-10,798,000	-3,550,000	-21,481,000	-9,370,000	-2,171,000	-1,008,000	-18,553,000
decrease in other securities
proceeds from sale of securities available-for-sale																																																					0
net proceeds from issuance and redemption of preferred stock
net (additions)disposals in premises and equipment																																																					-306,000
exercise of stock options																																																								26,000	6,000	0	7,000	-5,000	37,000	672,000
adjustments to reconcile net income
to net cash from operating
activities:
net cash provided by
operating activities																																																						-1,260,000	1,914,000
maturities and calls of securities
available-for-sale																																																						15,193,000	14,874,000
increase in other securities																																																										-91,000	-23,000			-23,000
net cash used in
investing activities																																																						6,258,000	-14,317,000
proceeds from issuance of preferred stock
and warrants
financing activities																																																						-15,140,000	35,007,000
purchases of premises and equipment																																																							-213,000	-77,000	-29,000	-81,000	-489,000	-1,400,000	-1,128,000	-361,000
impairment loss on security
net (additions) disposals of premises and equipment
net redemption of other securities
dividend paid on common stock																																																										-224,000	-224,000		-223,000	-892,000
dividend paid on preferred stock
proceeds from issuance of preferred stock and warrant
proceeds from issuance of preferred stock and warrants																																																								5,000,000
gain on sale of properties
retirement of subordinated debentures																																																												217,000	0	-7,217,000
issuance of trust preferred securities
maturities and calls of securities available for sale																																																														6,471,000

The First Bancshares, Inc(NASDAQ:FBMS)

The First Bancshares, Inc
(NASDAQ:FBMS)