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cash flows from operating activities:
net income	100,454,000	99,198,000	92,987,000	68,621,000	63,206,000	94,975,000	61,941,000	64,263,000	72,097,000	79,606,000	68,314,000	81,833,000	70,871,000	69,989,000	64,288,000	61,886,000	75,584,000	64,964,000	73,063,000	50,827,000	61,607,000	39,559,000	26,047,000	47,789,000	62,108,000	59,779,000	56,663,000	65,633,000	35,197,000	49,480,000	43,380,000	42,150,000	41,468,000	39,750,000	38,257,000	38,535,000	34,251,000	36,680,000	40,036,000	37,949,000	38,566,000	39,596,000	41,783,000	42,083,000	39,948,000	40,582,000	39,227,000	40,240,000	41,582,000	39,891,000	38,132,000	36,079,000	39,324,000	36,385,000	33,785,000	31,490,000	37,680,000	31,682,000	27,480,000	13,085,000	-101,867,000	29,076,000	25,678,000	41,496,000	38,179,000	33,566,000	39,845,000	41,128,000	46,605,000	43,879,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses	10,244,000	8,607,000	13,898,000	16,726,000	11,929,000	32,056,000	10,925,000	9,808,000	9,937,000	9,747,000	24,544,000	14,513,000	18,958,000	1,500,000	-6,950,000	-5,000,000	-600,000	-3,500,000	-5,500,000	6,240,000	7,080,000	19,570,000	44,030,000	20,530,000	2,170,000	5,025,000	5,100,000	1,620,000	33,117,000	3,970,000	4,800,000	5,000,000	4,141,000	2,511,000	1,530,000	2,750,000	1,000,000	2,200,000	-3,700,000	3,000,000	3,500,000	3,500,000	2,500,000	2,500,000	9,500,000	13,500,000	15,000,000	17,500,000	23,000,000	25,500,000	28,000,000	30,000,000	31,000,000	36,000,000	38,000,000
depreciation and amortization of premises and equipment	6,949,000	7,064,000	7,222,000	16,375,000	7,116,000	7,877,000	7,796,000	7,843,000	7,537,000	7,356,000	7,319,000	7,574,000	7,664,000	7,453,000	7,510,000	8,155,000	6,872,000	6,905,000	6,870,000	7,150,000	7,322,000	7,170,000	7,161,000	7,216,000	7,060,000	7,036,000	6,888,000	6,843,000	7,251,000	7,329,000	7,032,000	6,856,000	6,743,000	6,855,000	6,949,000	7,303,000	6,382,000	6,559,000	7,361,000	6,143,000	6,058,000	5,725,000	6,629,000	6,746,000	6,588,000	7,069,000	5,508,000	5,840,000	5,890,000	5,518,000	5,327,000	5,257,000	5,362,000	5,358,000	5,104,000	5,106,000	5,110,000	5,098,000	5,163,000	4,912,000	4,917,000	4,921,000	4,951,000	4,904,000	4,910,000	4,927,000	5,538,000	4,336,000	4,381,000	4,009,000
net amortization of investment securities premiums	253,000	646,000	328,000	39,000	-97,000	248,000	574,000	2,581,000	2,821,000	2,848,000	2,981,000	3,001,000	2,796,000	3,671,000	3,356,000	4,215,000	4,270,000	3,830,000	3,716,000	3,500,000	3,123,000	2,892,000	2,707,000		2,502,000	2,284,000	2,075,000	1,297,000	2,339,000	2,517,000	2,416,000		2,787,000	2,592,000	2,055,000		2,081,000	1,857,000	1,431,000		1,491,000	1,473,000	1,435,000		2,650,000	2,253,000	3,846,000		2,788,000	2,402,000	2,849,000		597,000	295,000	1,704,000		1,729,000	385,000	802,000
net accretion of loan discounts	-12,685,000	-11,440,000	-13,134,000	-13,927,000
investment securities losses																																																											2,223,000		28,339,000	9,501,000
gain on sales of mortgage loans held for sale	-2,285,000	-2,622,000	-1,665,000	-2,234,000	-1,719,000	-2,536,000	-1,697,000	-944,000	-1,873,000	-1,621,000	-656,000	-842,000	-2,406,000	-2,542,000	-3,026,000	-4,341,000	-5,944,000	-5,438,000	-8,656,000	-11,391,000	-19,480,000	-16,547,000	-6,181,000	-4,060,000	-5,520,000	-5,180,000	-3,122,000	-3,659,000	-3,854,000	-2,645,000	-3,074,000		-4,857,000	-4,440,000	-2,670,000
proceeds from sales of mortgage loans held for sale	138,497,000	142,335,000	101,038,000	149,997,000	154,564,000	147,742,000	95,388,000	102,912,000	127,885,000	90,681,000	41,928,000	54,810,000	103,286,000	128,501,000	169,010,000	232,511,000	264,026,000	259,928,000	294,478,000	422,503,000	528,747,000	389,275,000	195,649,000	244,411,000	297,008,000	232,567,000	142,739,000	229,162,000	208,706,000	170,693,000	115,417,000	215,859,000	188,941,000	190,261,000	114,255,000
originations of mortgage loans held for sale	-132,805,000	-147,029,000	-89,720,000	-155,703,000	-143,701,000	-161,404,000	-89,157,000	-96,758,000	-131,707,000	-97,226,000	-40,515,000	-46,821,000	-97,762,000	-115,813,000	-157,891,000	-220,815,000	-259,281,000	-262,322,000	-236,028,000	-401,377,000	-525,473,000	-409,498,000	-192,285,000	-244,234,000	-279,679,000	-245,373,000	-140,286,000	-217,130,000	-217,300,000	-159,968,000	-108,429,000	-213,002,000	-177,590,000	-200,432,000	-114,418,000
intangible amortization	5,368,000	5,460,000	6,269,000	6,282,000	6,287,000	4,688,000	573,000	597,000	601,000	1,072,000	674,000	688,000	690,000	177,000	176,000	146,000	150,000	178,000	115,000	132,000	133,000	132,000	132,000	142,000
amortization of issuance costs and discounts on long-term borrowings	81,000	80,000	80,000	177,000	176,000	175,000	182,000	210,000	180,000	180,000	180,000	173,000	172,000	173,000	206,000	238,000	230,000	232,000	1,146,000
gain on acquisition, net of tax				2,689,000	7,707,000
gain on disposal of premises and equipment	-557,000	-165,000	-119,000	14,000
gain on sale-leaseback transaction	0	-190,000	-416,000	0	0
stock-based compensation	3,969,000	3,417,000	2,097,000	3,054,000	3,683,000	2,943,000	836,000	4,569,000	3,731,000	2,572,000	1,668,000	3,834,000	3,791,000	3,740,000	2,635,000	2,210,000	2,192,000	2,098,000	1,902,000	2,126,000	1,873,000	1,911,000	1,619,000	1,955,000	2,110,000	1,788,000	1,560,000	1,823,000	2,674,000	1,510,000	734,000	1,748,000	1,552,000	1,820,000	1,436,000	1,567,000	1,533,000	1,767,000	1,071,000	1,555,000	1,288,000	1,989,000	1,033,000	1,144,000	979,000	2,360,000	847,000	871,000	913,000	2,337,000	713,000	776,000	2,372,000	554,000	547,000	568,000	817,000	318,000	293,000	380,000							750,000	508,000	492,000
net change in deferred income tax	-783,000	-6,184,000	4,418,000
net change in accrued salaries and benefits	5,686,000	14,966,000	-29,799,000	8,428,000	11,169,000	14,637,000	-14,771,000	5,364,000	931,000	12,273,000	-24,436,000
net change in life insurance cash surrender value	-7,957,000	-3,475,000	-2,027,000	-4,555,000	-8,266,000	-3,488,000	-3,563,000		-3,222,000	-17,603,000	-2,830,000
other changes	1,630,000	-18,919,000	-90,756,000	86,301,000	-136,033,000	63,856,000	82,891,000	-190,031,000	144,565,000	90,000,000	-61,359,000	-68,825,000	541,808,000	20,953,000	-88,605,000	-79,186,000	-5,910,000	-44,146,000	66,683,000	58,666,000	-8,035,000	-27,833,000	-133,579,000	-343,000
total adjustments	15,605,000	-7,449,000	-92,284,000	59,273,000	-95,559,000	73,148,000	90,960,000	-121,667,000	131,381,000	91,341,000	-22,351,000	-2,786,000	464,035,000	22,105,000	-172,069,000	-41,786,000	13,004,000	-34,792,000	130,349,000	74,167,000	3,227,000	-28,022,000	-72,924,000	36,390,000	-97,422,000	-19,202,000	-18,392,000	32,224,000	27,811,000	22,346,000	21,141,000	-574,000	28,252,000	256,000	-4,149,000	3,510,000	23,638,000	9,839,000	-9,527,000	24,545,000	14,954,000	-5,710,000	18,689,000	34,980,000	42,204,000	23,999,000	38,594,000	62,228,000	16,608,000	32,591,000	25,010,000	86,887,000	4,815,000	27,152,000	107,571,000	65,974,000	-838,000	-3,085,000	94,426,000	66,084,000	129,588,000	50,065,000	-19,337,000	40,047,000	23,677,000	53,688,000	18,580,000	56,028,000	3,269,000	44,882,000
net cash from operating activities	116,059,000	91,749,000	703,000	127,894,000	-32,353,000	168,123,000	152,901,000	-57,404,000	203,478,000	170,947,000	45,963,000	79,047,000	534,906,000	92,094,000	-107,781,000	20,100,000	88,588,000	30,172,000	203,412,000	124,994,000	64,834,000	11,537,000	-46,877,000	84,179,000	-35,314,000	40,577,000	38,271,000	97,857,000	63,008,000	71,826,000	64,521,000	41,576,000	69,720,000	40,006,000	34,108,000	42,045,000	57,889,000	46,519,000	30,509,000	62,494,000	53,520,000	33,886,000	60,472,000	77,063,000	82,152,000	64,581,000	77,821,000	102,468,000	58,190,000	72,482,000	63,142,000	122,966,000	44,139,000	63,537,000	141,356,000	97,464,000	36,842,000	28,597,000	121,906,000	79,169,000	27,721,000	79,141,000	6,341,000	81,543,000	61,856,000	87,254,000	58,425,000	97,156,000	49,874,000	88,761,000
cash flows from investing activities:
proceeds from sales of afs investment securities	0	0	14,966,000
proceeds from principal repayments and maturities of afs investment securities	139,216,000	186,245,000	84,051,000
proceeds from principal repayments and maturities of htm investment securities	23,399,000	24,592,000	19,727,000
purchase of afs investment securities	-64,200,000	-240,113,000	-252,330,000
purchase of htm investment securities	0	0	-118,967,000
net change in frb and fhlb stock	5,334,000	-5,351,000	3,410,000	41,569,000	-17,915,000	-3,660,000	2,768,000	-18,042,000	17,855,000	-16,613,000	22,581,000
net change in loans	-27,192,000	-150,240,000	182,888,000	128,588,000	-63,512,000	-112,170,000	-101,987,000	-181,585,000	-137,921,000	-376,468,000	-404,842,000
net purchases of premises and equipment	-746,000	-4,125,000	-9,356,000	-41,212,000	2,301,000	-1,773,000	-1,769,000	-15,098,000	-6,841,000	-8,582,000	-2,437,000	-11,223,000	-3,778,000	-835,000	-5,410,000	-333,000	-6,698,000	-6,223,000	-4,425,000	-1,687,000	-4,669,000	-9,858,000	-4,023,000	-9,918,000	-1,104,000	-11,332,000	-11,363,000	-7,884,000	-7,133,000	-14,840,000	-5,397,000	3,347,000	-5,891,000	-7,659,000	-9,471,000	-7,133,000	-5,293,000	-7,112,000	-7,575,000	-7,729,000	-5,331,000	-5,246,000	-6,255,000	-5,468,000	-9,469,000	-4,733,000	-4,539,000	-7,792,000	-9,578,000	-11,845,000	-8,809,000	-11,361,000	-4,355,000	-4,165,000	-5,458,000	-9,121,000	-3,812,000	-6,248,000	-5,109,000	-7,750,000		-7,451,000	-4,461,000	-9,032,000
settlement of bank owned life insurance	892,000	0	1,385,000
proceeds from sale-leaseback transaction	0	0	11,323,000	0	0
net cash received (paid) for acquisitions
net change in tax credit investments	-11,270,000	-6,661,000	-11,445,000	-12,590,000	-5,817,000	-6,893,000	-17,399,000	-8,808,000	491,000	-6,024,000	-12,412,000	4,107,000	-14,443,000	-2,784,000	-15,951,000	-5,924,000	-4,374,000	-7,088,000	-977,000	-5,674,000	-4,712,000	-4,745,000	-128,000	-4,045,000	-3,623,000	-3,089,000	-8,003,000	-8,552,000	-17,761,000	-20,783,000
net cash from investing activities	65,433,000			-198,417,000			-299,888,000	-10,722,000	-94,328,000	-366,151,000	-338,014,000	-610,664,000	-258,942,000	-380,529,000	-288,923,000	-239,704,000	243,009,000	133,683,000	-350,955,000	-107,142,000	-454,880,000	-1,410,871,000	-526,587,000				-166,790,000	-261,567,000	-253,914,000	36,715,000	-274,586,000	-301,630,000	-251,768,000	-277,353,000	-169,665,000	-103,540,000	-466,180,000	-33,858,000	-214,449,000	18,065,000	-278,745,000	-69,522,000	54,754,000	66,468,000	-48,285,000	-358,498,000	-258,432,000	-272,294,000	24,744,000	61,987,000	-134,552,000	-164,758,000	-305,820,000	-14,393,000	253,195,000	-93,012,000	276,477,000	-201,817,000	164,301,000	-413,008,000	-142,887,000	-232,705,000	-56,835,000	-69,100,000	-426,923,000	-432,986,000	-417,237,000	198,525,000	-7,042,000	-382,131,000
cash flows from financing activities:
net change in demand and savings deposits	386,502,000	-246,069,000	313,370,000	121,071,000	369,521,000	188,120,000	-200,119,000	-386,897,000	-15,034,000	-405,915,000	-390,376,000
net change in time deposits and brokered deposits	-192,079,000	55,164,000	-113,831,000	-143,599,000	222,968,000	-482,741,000	404,446,000	502,931,000
net change in borrowings	-302,020,000	116,620,000	-124,928,000
net proceeds from common stock	1,965,000	2,350,000	1,550,000
dividends paid	-35,280,000	-35,428,000	-35,381,000	-35,603,000	-32,230,000	-35,162,000	-28,703,000	-30,415,000	-30,250,000	-27,371,000	-27,702,000	-37,596,000	-26,720,000	-26,661,000	-25,032,000	-38,066,000	-25,378,000	-25,314,000	-23,270,000	-27,570,000	-21,054,000	-20,985,000	-21,348,000	-27,891,000	-21,759,000	-22,088,000	-20,592,000	-21,161,000	-21,049,000	-19,329,000	-17,403,000	-20,792,000	-17,312,000	-15,602,000	-15,676,000	-19,122,000	-15,842,000	-16,083,000	-14,314,000	-18,390,000	-15,117,000	-15,108,000	-15,413,000	-15,387,000	-15,493,000	-924,000	-14,721,000	-31,855,000	-14,061,000	-14,046,000	-12,010,000	-9,995,000	-9,983,000	-7,967,000	-5,972,000	-5,966,000	-9,039,000	-10,001,000	-9,997,000	-28,976,000	-25,780,000	-26,114,000	-25,968,000	-26,114,000	-26,009,000	-25,967,000	-25,550,000	-25,596,000	-25,590,000	-22,766,000
acquisition of treasury stock	-31,047,000	-14,525,000	-550,000	0	0	0	-30,348,000	-6,116,000	-30,491,000	0	-40,449,000					-17,783,000				0	0	0	-39,748,000	0	-48,071,000	-57,509,000	-5,877,000					0	-2,291,000	-5,058,000	-11,196,000	0	-30,987,000			-80,000,000	-45,451,000	0	-49,804,000	0	-19,590,000	-24,291,000	-47,046,000	1,000																	0	-1,850,000	0	-16,377,000	-79,000	-4,253,000
net cash from financing activities	-171,959,000	-121,888,000	40,230,000	-306,286,000			-45,390,000	197,376,000	-193,392,000	133,153,000	176,883,000	684,823,000	-196,923,000	-419,856,000	-83,945,000	-612,791,000	235,353,000	78,328,000	-38,413,000	295,091,000	866,336,000	1,601,573,000	912,033,000	231,376,000	269,557,000	212,584,000	124,220,000	132,038,000	197,253,000	-116,681,000	185,146,000	292,320,000	183,898,000	238,515,000	117,916,000	68,812,000	401,639,000	-4,076,000	170,108,000	-195,803,000	187,334,000	34,084,000	-73,377,000	-187,929,000	9,127,000	339,382,000	98,790,000	208,919,000	-108,538,000	-178,533,000	65,687,000	42,520,000	268,860,000	-29,806,000	-328,152,000	-61,298,000	-325,890,000	165,391,000	-294,515,000	268,106,000	130,489,000	49,132,000	64,166,000	12,875,000	409,044,000	301,324,000	395,557,000	-305,730,000	-26,412,000	323,438,000
net increase in cash and cash equivalents	9,533,000			-376,809,000	44,398,000							153,206,000	79,041,000	-708,291,000	-480,649,000	-832,395,000	566,950,000	242,183,000	-185,956,000	312,942,000	476,291,000	202,239,000	338,569,000	-80,822,000	99,802,000
cash and cash equivalents at beginning of period	0	0	1,063,871,000	0	0	0	549,710,000	0	0	0	681,921,000	0	0	0	1,638,614,000	0	0	0	1,847,832,000		0	0	517,791,000		0	0	445,687,000
cash and cash equivalents at end of period	9,533,000	-225,792,000	1,030,456,000	-376,809,000	44,398,000	1,038,949,000	357,333,000	129,250,000	-84,242,000	-62,051,000	566,753,000	153,206,000	79,041,000	-708,291,000	1,157,965,000	-832,395,000	566,950,000	242,183,000	1,661,876,000		476,291,000	202,239,000	856,360,000		99,802,000	57,423,000	441,388,000
supplemental disclosures of cash flow information:
cash paid during the period for:
interest	151,795,000	147,284,000	153,111,000	199,256,000	181,681,000	136,391,000	141,450,000	117,893,000	113,782,000	89,851,000	72,526,000	37,490,000	18,380,000	10,171,000	13,978,000	10,314,000	14,928,000	12,570,000	25,235,000	20,812,000	27,491,000	27,261,000	36,576,000	43,677,000	46,749,000	47,491,000	40,695,000	31,063,000	31,491,000	26,005,000	18,034,000	24,788,000	15,594,000	25,624,000	17,414,000	23,764,000	20,979,000	24,494,000	21,879,000	20,936,000	19,646,000	20,329,000	17,473,000	20,944,000	21,350,000	24,698,000	19,615,000	25,826,000	27,086,000	30,404,000	26,208,000	32,866,000	34,009,000	39,238,000	35,072,000	42,925,000	53,060,000	54,477,000	49,428,000	58,438,000	71,004,000	83,880,000	98,100,000	105,922,000	117,945,000	108,549,000	109,704,000	106,789,000	103,448,000	71,168,000
income taxes	17,592,000	44,952,000	7,677,000	8,377,000	1,431,000	12,544,000	6,764,000	1,903,000	8,233,000	7,875,000	7,308,000	10,253,000	6,724,000	7,766,000	7,926,000	19,541,000	202,000	7,650,000	477,000	4,072,000	1,067,000	9,979,000	1,072,000	1,227,000	3,034,000	3,447,000	1,485,000	2,384,000	5,640,000	154,000	116,000	6,789,000	317,000	5,115,000	3,972,000	4,210,000	-1,883,000	10,905,000	146,000	146,000	225,000	15,776,000	631,000	2,641,000	5,628,000	19,250,000	5,086,000	8,238,000	101,000	18,477,000	4,169,000	-296,000	13,747,000	7,324,000	145,000	1,827,000	16,979,000	24,002,000	37,000	54,000	13,063,000	24,527,000	37,737,000	5,000,000	12,698,000	14,501,000	36,737,000	1,117,000	19,225,000	2,500,000
business combination
fair value of tangible assets acquired					-9,962,000
intangible assets					0
liabilities assumed					0
pcd loans credit discount					-1,139,000
see notes to consolidated financial statements
investment securities losses (gains)		0	2,000		1,000
net cash (used in) investing activities			-74,348,000
net decrease in cash and cash equivalents			-33,415,000				-192,377,000	129,250,000	-84,242,000	-62,051,000	-115,168,000																-4,299,000
supplemental schedule of certain noncash activities:
unsettled maturities of afs investment securities
proceeds from sales of afs securities				0	39,459,000			132,758,000	0	304,000	80,362,000	4,000	87,155,000	291,000	108,961,000	233,326,000	0	66,469,000	59,342,000	0
proceeds from principal repayments and maturities of afs securities				140,297,000	73,394,000	106,498,000	14,216,000	71,306,000	22,803,000	26,475,000	28,627,000	36,674,000	230,733,000	223,699,000	92,338,000	102,605,000	120,048,000	112,056,000	134,684,000	148,013,000	135,281,000	86,143,000	61,408,000
proceeds from principal repayments and maturities of htm securities				15,894,000	14,019,000	13,527,000	13,015,000	13,384,000	16,486,000	14,712,000	15,103,000	19,715,000	22,814,000	41,542,000	25,688,000	28,609,000	30,879,000	29,404,000	29,066,000	26,555,000	26,894,000	20,616,000	19,758,000
purchase of afs securities				-294,650,000	-399,390,000	-841,770,000	-208,968,000	-6,801,000	-7,256,000	0	-64,996,000	-23,528,000	-320,574,000	-166,443,000	-335,199,000	-408,070,000	-134,826,000	-462,081,000	-304,493,000	-405,443,000
purchase of htm securities												0	-21,418,000	0	-9,541,000	-132,382,000	-83,012,000	0	-227,687,000
net change in other borrowings				-79,353,000	-126,546,000	-1,553,594,000	-191,668,000		-349,182,000	272,164,000	-424,617,000
repayments of senior debt and subordinated debt												0
net change in deferred federal income tax					16,712,000	16,821,000	-2,330,000		-30,005,000	-8,942,000	28,174,000
settlement of bank-owned life insurance					90,000	727,000	236,000
net cash received for acquisition					0
net proceeds from issuance of common stock					409,000	269,195,000	1,002,000	669,000	1,482,000	-1,586,000	2,595,000	3,084,000	2,094,000	-95,000	2,793,000	2,755,000	1,967,000	247,000	2,468,000	2,329,000	1,848,000	1,197,000	2,001,000	2,549,000	2,160,000	-4,000	1,657,000	2,293,000	-335,000	2,790,000	4,731,000	10,699,000	2,148,000	1,683,000	1,637,000	3,755,000	2,220,000	2,706,000	1,926,000	2,790,000	1,393,000	1,866,000	2,152,000	2,814,000	2,595,000	1,880,000	2,647,000													3,511,000				1,485,000	780,000	1,929,000	1,379,000	3,280,000	909,000	4,731,000
loss on disposal of premises and equipment						-3,091,000	3,313,000
net cash provided (used) by investing activities
net cash (used) provided by financing activities
investment securities gains										4,000	-23,000			-8,000	-19,000	-5,000	0	-36,000	-33,475,000	0	-2,000	-3,005,000	-46,000	0	-4,492,000	-176,000	-65,000	-14,000	-4,000	-19,000	-1,106,000	-1,525,000	-2,000	-76,000	-947,000					-848,000	-81,000			-33,000	-2,633,000	-2,865,000	-2,473,000	-195,000	-42,000	-1,538,000	-1,251,000	-3,054,000								-2,919,000				-1,246,000	537,000	134,000	-629,000	-1,782,000	-1,915,000	-2,665,000
unsettled maturities of afs securities							42,500,000
debt extinguishment costs																674,000	0	412,000	32,163,000
change in deferred federal income tax												31,103,000	-52,249,000	-41,503,000	-55,200,000
change in life insurance cash surrender value												-1,994,000	-61,492,000	-1,395,000	-27,347,000
sale of visa shares																0	0	0	33,962,000
net cash paid for acquisition												-15,000				-2,274,000	0								0	0	-3,907,000
net increase in other borrowings
transfer of afs securities to htm securities												0	0			0	0	0	376,165,000
investment securities (gains) losses																																																						335,000	-2,285,000
net change of federal funds sold
net change in time deposits and broker deposits
net change in time deposits											1,057,432,000
decrease (increase) of frb and fhlb stock
net decrease (increase) in loans																-58,919,000	319,654,000													67,928,000													40,017,000												17,757,000					3,510,000
net increase in demand and savings deposits												-777,697,000	-166,758,000	-292,240,000	38,376,000	-428,373,000	508,780,000	263,552,000	971,180,000	281,915,000	991,090,000			221,479,000				607,378,000	13,328,000	-278,626,000	112,348,000	111,458,000	678,243,000	-67,347,000	269,899,000	118,701,000	646,710,000	34,879,000	171,022,000	-46,188,000	664,589,000	10,297,000	94,093,000	-123,283,000	540,664,000	35,719,000	19,339,000	67,441,000	524,473,000	33,686,000	-47,636,000	24,524,000	499,581,000	19,003,000	210,068,000	81,757,000	369,181,000	309,066,000	214,562,000	247,253,000			60,743,000	38,894,000			24,929,000	-48,777,000	-93,678,000	45,118,000
net increase in time deposits												50,680,000	-132,734,000	-105,068,000	-70,701,000				-176,549,000	-172,759,000	-145,248,000	-194,583,000	5,979,000	-170,283,000	96,865,000	131,731,000	110,004,000	41,837,000			-34,868,000				2,064,000	-70,778,000	-68,025,000	-43,667,000	-24,031,000	80,067,000	-24,621,000	13,445,000	84,638,000													-261,293,000	-146,536,000	-120,049,000	-156,021,000	614,813,000	729,390,000	99,069,000	-171,477,000	-95,411,000	-123,802,000	120,683,000	57,730,000	51,888,000	49,119,000	134,953,000
proceeds from senior debt and subordinated debt
net proceeds from issuance of preferred stock
increase of frb and fhlb stock													-19,768,000
net increase in loans													-228,367,000	-441,082,000	-149,715,000				-96,347,000	131,143,000	-321,541,000	-1,631,440,000	-250,993,000					-135,165,000			-267,383,000	-306,878,000	-240,159,000	-287,926,000	-38,976,000	-302,974,000	-293,189,000	-141,130,000	-6,362,000	-89,488,000	-196,728,000			-15,432,000	-149,769,000	-285,531,000	-249,229,000	-238,932,000	24,784,000	-71,554,000	-16,670,000	-115,640,000	-73,980,000			-32,065,000	-42,737,000	-7,421,000	-20,715,000		-245,783,000	-241,630,000	-285,000,000	-188,589,000	-220,143,000	-246,274,000	-269,351,000	-73,794,000	-63,872,000	-228,950,000
net increase from other borrowings
change in accrued salaries and benefits														17,198,000	-15,924,000
increase of federal funds sold
net increase in short-term borrowings														3,745,000	35,676,000				-109,077,000	18,339,000			503,567,000
proceeds from long-term borrowings																0	0
repayments of long-term borrowings														-83,000	-65,057,000	-6,952,000	-57,000	-459,000	-703,165,000
sale (purchase) of frb and fhlb stock															-94,000				25,920,000	1,835,000	-2,922,000
amortization of tci																7,002,000	6,999,000	7,067,000	6,935,000	7,917,000	7,646,000	7,618,000	7,619,000
deferred income tax benefit
transfer of htm securities to afs securities
sale of frb and fhlb stock																	1,338,000
net decrease in time deposits																	-159,051,000													-41,803,000			-18,328,000											-106,652,000	-77,352,000	-166,370,000	-115,042,000	-195,660,000	-155,647,000	-141,924,000	-137,381,000		-124,852,000	-164,718,000	-190,039,000
net decrease in short-term borrowings																	-64,782,000
re-measurement of net dta
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
amortization of issuance costs and discounts on long-term debt																					293,000	293,000	250,000	210,000	211,000	210,000	211,000
additions to long-term debt																					0	-563,000	496,461,000	180,000,000	200,000,000	30,000,000	75,000,000	0			223,375,000	199,884,000	0	0	16,000,000	0	199,679,000			122,113,000	50,000,000													0	0	0	2,900,000	0	45,000,000		0	700,000	0	343,990,000	740,000,000	199,793,000	233,840,000	290,000,000	223,293,000
repayments of long-term debt																					524,000	-83,002,000	-13,000	-24,859,000	-461,065,000	-108,106,000	-2,026,000	-41,000	-40,000	-100,041,000	-15,037,000	-236,037,000	-420,000	-141,000	-42,000	-29,891,000	-354,735,000	-109,975,000	-44,896,000	-989,000	-106,000	-5,066,000	-123,000	-5,538,000	-45,000	-44,000	-5,042,000	-20,070,000	-186,000	-25,172,000	-106,168,000	-10,665,000	-32,000	-10,152,000	-83,761,000	-80,063,000	-169,075,000	-75,067,000	-145,018,000	-1,199,000	-32,092,000	-239,000	-71,541,000	-95,154,000	-730,847,000	-122,164,000	-254,772,000	-17,865,000
proceeds from sales of securities afs																						127,925,000	59,894,000
purchase of securities afs																						-27,459,000	-390,936,000
increase in short-term borrowings																								50,381,000	-355,530,000	359,374,000	74,239,000		45,981,000	320,328,000		277,275,000	-458,172,000	369,331,000	-144,780,000	66,032,000	22,596,000	-1,070,000	80,386,000	-235,233,000	-443,355,000	-61,377,000	-188,945,000	60,052,000	-421,741,000	493,352,000	258,567,000			-32,869,000	367,517,000										-827,196,000	92,579,000			610,861,000	276,676,000	357,964,000	-542,397,000	-152,804,000	47,336,000
purchase of frb and fhlb stock																							-21,567,000
net decrease in demand and savings deposits																							-34,866,000			-120,814,000	-108,185,000																																		-94,029,000
amortization of tax credit investments																								8,202,000	8,297,000	8,156,000	8,155,000	8,364,000	8,365,000	8,364,000
net amortization of investment security premiums																																																												116,000	-82,000	-158,000	160,000	370,000	385,000	535,000	628,000	563,000	747,000	1,015,000
deferred income tax (benefit) expense
re-measurement of net deferred tax asset
proceeds from sales of available for sale securities
proceeds from paydowns and maturities of held to maturity securities
proceeds from principal repayments and maturities of available for sale securities
purchases of securities available for sale
purchase of federal reserve bank and federal home loan bank stock																								-2,865,000	2,691,000
net increase in loans and leases																								-178,074,000	-324,570,000	-104,281,000	-101,123,000
net cash paid for acquisitions																																																																						-105,266,000
supplemental disclosures of cash flow information
cash paid during period for:
supplemental schedule of certain noncash activities
transfer of available for sale securities to held to maturity securities
transfer of held to maturity securities to available for sale securities																								0
proceeds from sales of securities available for sale																									413,682,000	246,292,000	37,660,000	5,907,000	47,287,000	1,444,000	8,735,000	30,866,000	6,000	38,431,000	46,541,000	37,171,000	10,494,000	7,248,000	11,567,000	17,008,000	30,000	2,641,000	12,548,000	-16,219,000	106,976,000	117,223,000	59,043,000	31,777,000	14,735,000	27,119,000	183,685,000	22,158,000	3,323,000	5,284,000	411,196,000	68,303,000	124,827,000	187,044,000	89,647,000	162,363,000	77,360,000	244,107,000	224,315,000	194,571,000	50,580,000	29,674,000	13,822,000	271,483,000	13,839,000	64,225,000
proceeds from principal repayments and maturities of securities held to maturity																									22,262,000	21,371,000	18,687,000
proceeds from principal repayments and maturities of securities available for sale																									56,226,000	62,057,000	51,097,000	67,483,000	91,991,000	78,150,000	98,024,000
purchase of securities available for sale																									-300,005,000	-395,041,000	-143,588,000	-153,086,000	-144,769,000	-161,944,000	-49,430,000	-298,601,000	-128,944,000	-185,784,000	-169,436,000	-239,728,000	-97,789,000	-309,180,000	-37,142,000	-93,000	-103,724,000	-49,252,000	-11,700,000	-52,493,000	-49,631,000	-334,521,000	-339,707,000	-333,057,000	-194,014,000	-62,859,000	-539,783,000	-367,700,000	-260,263,000	-74,179,000	-282,144,000	-487,002,000	-221,823,000	-169,579,000	-76,296,000	-731,005,000	-79,896,000	-333,406,000	-267,161,000	-303,250,000	-371,826,000	-319,499,000	-310,450,000	-109,428,000	-78,242,000	-319,199,000
net cash from by investing activities																									-134,441,000
amortization of intangible assets																										107,000	107,000									6,000	5,000	106,000	130,000	315,000	314,000	315,000	315,000	835,000	534,000	535,000	534,000	713,000	756,000	761,000	801,000	954,000	953,000	1,172,000	1,178,000	1,292,000	1,293,000	1,341,000	1,314,000	1,463,000	1,776,000	1,730,000	1,799,000	1,857,000	2,158,000	1,995,000	2,198,000	1,983,000	2,024,000	1,852,000
increase in accrued interest receivable																										-777,000	-3,328,000	-3,376,000	-2,148,000	-150,000	-61,000	-2,694,000	-284,000	1,063,000	-1,612,000	79,000			-398,000								-1,699,000				-149,000								-174,000	-803,000					492,000				-924,000	-228,000
increase in other assets																										-194,401,000	-23,415,000	-1,206,000	-3,764,000	-6,923,000		-20,865,000	9,193,000	-13,799,000	-4,469,000				-5,525,000	-6,894,000	1,130,000										-428,000					251,000	-9,168,000			-12,926,000	8,449,000	-5,160,000	1,436,000	-8,550,000					9,002,000	-24,109,000
increase in accrued interest payable																										-2,001,000	690,000			364,000	2,874,000	-4,013,000			2,843,000	-4,003,000	-445,000	-3,185,000	312,000	620,000	778,000	-325,000	1,754,000				2,063,000				1,988,000				1,059,000			-5,955,000	2,651,000	13,013,000	5,728,000	-4,089,000	-14,598,000	-2,601,000	-1,527,000	7,781,000	-500,000	2,092,000	4,262,000	6,441,000
increase in other liabilities																													-6,388,000	-2,890,000		2,366,000	-7,805,000	19,111,000	-9,245,000		6,954,000	-13,512,000	10,553,000			3,464,000	182,000			-13,790,000	3,008,000			-4,372,000	10,282,000			-5,204,000	-6,362,000		-20,763,000	-3,132,000	6,368,000	19,041,000				17,098,000		-2,165,000	-17,287,000	8,594,000		16,596,000
decrease in other liabilities																											-15,701,000				-4,244,000									-7,979,000				-5,137,000				1,638,000				1,736,000									-1,145,000	-13,083,000
(purchase) redemption of federal reserve bank and federal home loan bank stock																											-6,250,000
increase in other interest-earning assets																												-45,745,000
decrease in short-term borrowings																															-88,000,000																					148,078,000	-97,626,000	132,183,000	-259,679,000	202,996,000	12,747,000	-166,316,000	-244,290,000	-567,296,000				-154,817,000
net decrease in cash and restricted cash
cash and restricted cash at beginning of period																												0
cash and restricted cash at end of period																												-31,672,000
transfer of student loans to loans held for sale
amortization of issuance costs on long-term debt																													205,000	194,000	168,000		154,000	39,000	154,000
decrease in accrued interest payable																																												-1,439,000	-1,051,000			-2,488,000	-1,907,000			-1,992,000	-1,766,000			-2,069,000
net increase in cash and restricted cash
decrease (increase) in short-term investments																														86,760,000																				-12,241,000	69,109,000																			13,129,000
net decrease in cash and due from banks																														-8,140,000	-24,919,000		1,850,000	1,168,000	-17,641,000											45,465,000	-81,821,000									-56,846,000	-12,571,000	-7,829,000	-8,308,000
cash and due from banks at beginning of period																														108,291,000	118,763,000		0	0	101,120,000		0	0	105,702,000		0	0	218,540,000		0	0	256,300,000		0	0	292,598,000		0	0	198,954,000												0	355,018,000		368,043,000
cash and due from banks at end of period																														100,151,000	93,844,000		1,850,000	1,168,000	83,479,000		-6,652,000	8,585,000	91,870,000		-37,891,000	-1,552,000	260,389,000		42,994,000	45,465,000	174,479,000		-25,604,000	-44,064,000	286,875,000		7,179,000	19,338,000	265,353,000		-12,571,000	-7,829,000	276,200,000								36,745,000	344,969,000		398,111,000
deferred income tax expense
gains on sales of mortgage loans held for sale
amortization of issuance costs and discount of long-term debt
excess tax benefits from stock-based compensation																																-906,000	-30,000	-18,000	-10,000	-115,000	-23,000	-48,000	-15,000	-27,000	-2,000	-27,000	-25,000	-65,000	-89,000	-60,000	-88,000	-14,000	-11,000	-11,000	-3,000																-37,000	-114,000
loss on redemption of trust preferred securities																																				0
decrease (increase) in other assets																																					-3,135,000										7,194,000					18,485,000	-9,356,000						4,200,000						7,393,000	-1,577,000	8,473,000	2,026,000
proceeds from maturities and paydowns of securities available for sale
increase in short-term investments																															-59,135,000		-20,880,000	-26,000	-115,544,000				-280,584,000	-45,504,000	-72,061,000	1,544,000	-58,901,000	44,605,000								81,024,000	-131,393,000	-41,674,000	-49,996,000	160,124,000	240,266,000				28,479,000
net increase in cash and due from banks																																					-6,652,000	8,585,000	-13,832,000		-37,891,000	-1,552,000	41,849,000	-44,398,000				39,093,000	-25,604,000	-44,064,000	-5,723,000	728,000	7,179,000	19,338,000	66,399,000					-65,733,000			13,672,000	25,318,000			36,745,000	-10,049,000	16,420,000	30,068,000
cash and due from banks at beginning of year																																																										0	284,508,000	331,164,000	0	0	0	381,283,000	0
cash and due from banks at end of year																																																												265,431,000	15,323,000	-104,432,000	13,672,000	406,601,000	43,977,000
note 1 – summary of significant accounting policies
decreases (increase) in other assets																															4,614,000
gains on sales of mortgage loans
deferred accelerated stock repurchase payment
proceeds from maturities of securities available for sale																																		165,611,000	117,221,000		112,193,000	99,973,000	105,647,000	143,871,000	99,069,000	95,574,000	79,045,000	111,458,000	144,586,000	181,897,000	199,910,000	234,666,000	272,879,000	193,321,000	177,855,000	226,696,000	160,634,000	118,085,000	161,756,000	206,578,000	179,673,000	220,160,000	167,992,000	152,432,000	84,917,000	145,439,000	171,758,000	229,210,000	123,944,000	114,397,000	148,879,000	103,032,000	125,576,000	197,541,000
net gains on sales of investment securities																																					-1,730,000	-2,415,000	-4,145,000
net increase in loans held for sale																																					7,043,000	144,000	-16,602,000		10,867,000	-11,662,000	-3,066,000						-14,071,000	-1,278,000	-23,119,000						-9,736,000			-6,193,000
decrease in accrued interest receivable																																								1,726,000	-1,428,000			678,000	998,000			3,998,000	-1,501,000			1,362,000	-1,073,000										4,499,000	7,570,000
gain on sale of global exchange
net cash received from sale of global exchange
note a – summary of significant accounting policies
proceeds from maturities of securities held to maturity																																												17,000	21,000	30,000	35,000	162,000	107,000	46,000	75,000	66,000	228,000	68,000	92,000	192,000	155,000	110,000	117,000	983,000	1,371,000	245,000	1,067,000	3,961,000	417,000	1,260,000	1,294,000	220,000	347,000	4,355,000
decrease (increase) in accrued interest receivable																																											661,000												963,000						3,452,000						-4,205,000	4,245,000
decrease in other assets																																											7,271,000	-1,249,000	16,517,000				8,669,000						14,626,000
purchase of securities held to maturity																																																0	-332,000	0	-14,000	-1,000	-14,000	-6,000	-8,000	-21,000	-72,000	-38,000	-84,000	-922,000	-1,225,000	-54,000	-875,000	-3,884,000	-301,000	-1,112,000	-752,000	-122,000	-169,000
net decrease (increase) in loans held for sale																																													21,636,000	2,136,000	4,854,000						-16,421,000						31,586,000											40,627,000
decrease in short-term investments																																														-32,863,000	76,055,000												8,749,000	7,381,000			3,006,000	7,913,000	-1,480,000	-5,306,000	3,310,000	10,511,000
redemption of preferred stock and common stock warrant
net proceeds from issuance of stock																																																	1,942,000	1,781,000	1,362,000		1,772,000	1,845,000	1,231,000		1,232,000	227,758,000	1,249,000			3,831,000
weighted-average shares outstanding																																																						173,000	198,599,000		8,061,000	14,047,000	176,174,000			504,000	335,000	173,624,000	-9,000	120,000	-89,000	173,273,000	-609,000	162,732,000
effect of dilutive securities																																																						68,000	687,000		-96,000	99,000	507,000	233,000
net decrease in loans held for sale																																																							53,037,000									8,840,000				32,620,000
gain on sale of credit card portfolio																																																													0	0
goodwill impairment
proceeds from sale of credit card portfolio																																																													0	0
(redemption) issuance of preferred stock and common stock warrant
december 31, 2010:
mortgage loans held for sale
december 31, 2009:
benefit from loan losses																																																									40,000,000	40,000,000	40,000,000	50,000,000	65,000,000	26,700,000	16,706,000	11,220,000	6,800,000	4,606,000	2,700,000	957,000	1,068,000	1,000,000
redemption of preferred stock
repurchase of warrant to purchase common stock
stock options and common stock warrants excluded from the diluted net income per share computation as their effect would have been anti-dilutive																																																									935,000	-6,228,000	11,115,000
excess tax benefits from stock based compensation
intangible assets impairment
increase in prepaid fdic insurance assessments
net proceeds from issuance of preferred stock and common stock warrants
•
excess tax benefits from stock-based compensation expense																																																														-14,000	-4,000	-2,000
preferred stock dividends and discount accretion																																																												5,031,000
net income available to common shareholders																																																												8,054,000
weighted-average common shares outstanding																																																												175,315,000
stock options and common stock warrants excluded from the earnings per share computation as their effect would have been anti-dilutive																																																												11,818,000
gains on sale of mortgage loans
net purchase of premises and equipment																																																																			-3,989,000	-3,377,000	-7,379,000	-7,966,000
stock-based compensation expense																																																														606,000	478,000	587,000						344,000
impact of common stock equivalents																																																														-120,000	-16,000	585,000	25,000	-167,000	-372,000	1,605,000	91,000	2,188,000
stock options excluded from the earnings per share computation as their effect would have been anti-dilutive
gains on sales of loans
impairment write-off of intangible assets
stock options excluded from the diluted shares computation as their effect would have been anti-dilutive
net cash (paid for) received from acquisitions
repayment of long-term debt																																																																						-54,323,000
addition to long-term debt																																																																						172,642,000
adjustments to reconcile net income to net cash provided by
operating activities:
gain on sale of investment securities
gain on sale of loans
proceeds from sales of loans held for sale
originations of loans held for sale
decrease (increase) in short-term borrowings
cash paid during the year for:

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