Home BancShares
(NYSE:HOMB)

Home Bancshares, Inc. (Conway, AR) operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Its deposit products include checking, savings...

Website: http://www.homebancshares.com

Founded: 1999

Full Time Employees: 1,920

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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At a glance:

Bull Thesis:

Bear Thesis:

Main Competitors:

Moat:

Income Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-06-30

interest income:
loans	273,473,000	285,491,000	283,165,000	276,041,000	270,784,000	278,409,000	281,977,000	274,324,000	265,294,000	260,003,000	249,464,000	243,152,000	236,997,000	221,280,000	195,841,000	181,779,000	129,442,000	136,750,000	142,609,000	154,787,000	158,996,000	158,148,000		165,816,000
investment securities
taxable	24,728,000	25,860,000	26,326,000	26,444,000	27,433,000	28,943,000	31,006,000	32,587,000	33,229,000	34,016,000	34,520,000	34,751,000	35,288,000	33,639,000	28,273,000	20,941,000	9,080,000	8,121,000	8,495,000	7,227,000	8,693,000	9,776,000		10,650,000
tax-exempt	7,829,000	7,834,000	7,743,000	7,626,000	7,650,000	7,704,000	7,704,000	7,769,000	7,803,000	7,855,000	7,868,000	7,932,000	7,963,000	7,855,000	8,069,000	7,725,000	4,707,000	4,827,000	4,839,000	4,367,000	3,698,000	3,114,000		3,183,000
deposits – other banks	4,945,000	4,405,000	6,242,000	8,951,000	6,620,000	7,585,000	12,096,000	12,564,000	10,528,000	4,281,000	2,328,000	3,729,000	4,685,000	10,109,000	10,763,000	6,565,000	1,673,000	1,281,000	1,117,000	252,000	211,000	1,116,000		1,628,000
federal funds sold	48,000	41,000	56,000	53,000	55,000	73,000	62,000	59,000	61,000	65,000	82,000	68,000	6,000	12,000	9,000	3,000	1,000					21,000		10,000
total interest income	311,023,000	323,631,000	323,532,000	319,115,000	312,542,000	322,714,000	332,845,000	327,303,000	316,915,000	306,220,000	294,262,000	289,632,000	284,939,000	272,895,000	242,955,000	217,013,000	144,903,000	150,979,000	157,060,000	166,633,000	171,598,000	172,175,000		181,287,000
interest expense:
interest on deposits	79,145,000	83,739,000	87,962,000	88,489,000	86,786,000	90,564,000	97,785,000	95,741,000	92,548,000	87,971,000	78,698,000	70,147,000	59,162,000	47,019,000	23,347,000	10,729,000	4,894,000	5,155,000	5,642,000	13,200,000	15,116,000	24,198,000		29,709,000
fhlb and other borrowed funds	4,692,000	4,985,000	5,378,000	5,539,000	5,902,000	9,541,000	14,383,000	14,255,000	14,276,000	9,878,000	8,161,000	6,596,000	6,190,000	5,388,000	1,917,000	1,896,000	1,875,000	1,916,000	1,917,000	2,235,000	2,656,000	2,698,000		4,722,000
securities sold under agreements to repurchase	927,000	962,000	1,019,000	1,012,000	1,074,000	1,346,000	1,335,000	1,363,000	1,404,000	1,480,000	1,344,000	1,121,000	868,000	701,000	434,000	187,000	108,000	98,000	102,000	237,000	260,000	462,000		630,000
subordinated debentures	2,355,000	2,359,000	3,007,000	4,123,000	4,124,000	4,121,000	4,121,000	4,122,000	4,097,000	4,121,000	4,121,000	4,123,000	4,124,000	4,121,000	4,153,000	5,441,000	6,878,000	4,790,000	4,788,000	4,823,000	4,899,000	5,079,000		5,239,000
total interest expense	87,119,000	92,045,000	97,366,000	99,163,000	97,886,000	105,572,000	117,625,000	115,481,000	112,325,000	103,450,000	92,325,000	81,989,000	70,344,000	57,229,000	29,851,000	18,255,000	13,755,000	11,959,000	12,449,000	20,495,000	22,931,000	32,450,000		40,300,000
net interest income	223,904,000	231,586,000	226,166,000	219,952,000	214,656,000	217,142,000	215,220,000	211,822,000	204,590,000	202,770,000	201,937,000	207,643,000	214,595,000	215,666,000	213,104,000	198,758,000	131,148,000	139,020,000	144,611,000	146,138,000	148,667,000	139,725,000		140,987,000
provision for credit losses on loans	1,500,000	14,400,000	6,700,000	3,000,000		16,700,000	18,200,000	8,000,000	5,500,000	5,650,000	2,800,000	2,300,000	1,200,000
recovery of credit losses on unfunded commitments	-1,000,000								-1,000,000
total credit loss expense	500,000	14,399,000	3,506,000	3,000,000		16,700,000	18,870,000	8,000,000	4,500,000	5,650,000	1,300,000	3,983,000	1,200,000	5,000,000		58,585,000				14,000,000	11,441,000	86,823,000
net interest income after credit loss expense	223,404,000	163,567,000	222,660,000	216,952,000	214,656,000	150,065,500	196,350,000	203,822,000	200,090,000	154,423,000	200,637,000	203,660,000	213,395,000	121,106,250	213,104,000	140,173,000
non-interest income:
service charges on deposit accounts	10,007,000	10,480,000	10,486,000	9,552,000	9,650,000	9,935,000	9,888,000	9,714,000	9,686,000	10,072,000	10,062,000	9,231,000	9,842,000	10,134,000	10,756,000	10,084,000	6,140,000	6,217,000	5,941,000	4,910,000	4,296,000	6,631,000		6,259,000
other service charges and fees	9,810,000	11,148,000	12,130,000	12,643,000	10,689,000	11,651,000	10,490,000	10,679,000	10,189,000	10,422,000	10,128,000	11,763,000	11,875,000	10,363,000	13,951,000	12,541,000	7,733,000	11,133,000	8,051,000	8,539,000	7,666,000	6,056,000		8,177,000
trust fees	5,482,000	5,121,000	4,600,000	5,234,000	4,760,000	4,526,000	4,403,000	4,722,000	5,066,000	4,316,000	4,660,000	4,052,000	4,864,000	3,981,000	3,980,000	4,320,000	574,000	515,000	479,000	378,000	397,000	438,000		391,000
mortgage lending income	4,430,000	4,680,000	4,691,000	4,780,000	3,599,000	3,518,000	4,437,000	4,276,000	3,558,000	2,385,000	3,132,000	2,650,000	2,571,000	3,566,000	4,179,000	5,996,000	3,916,000	5,359,000	5,948,000	10,177,000	6,196,000	2,621,000		3,457,000
insurance commissions	536,000	460,000	574,000	589,000	535,000	483,000	595,000	565,000	508,000	480,000	562,000	518,000	526,000	453,000	601,000	658,000	480,000	387,000	586,000	271,000	533,000	678,000		515,000
increase in cash value of life insurance	1,368,000	1,400,000	1,404,000	1,415,000	1,842,000	1,215,000	1,161,000	1,279,000	1,195,000	1,170,000	1,170,000	1,211,000	1,104,000	1,079,000	1,089,000	1,140,000	492,000	501,000	509,000	548,000	558,000	560,000		740,000
dividends from fhlb, frb, fnbb & other	2,536,000	2,678,000	2,658,000	2,657,000	2,718,000	2,820,000	2,637,000	2,998,000	3,007,000	3,010,000	2,916,000	2,922,000	2,794,000	2,814,000	1,741,000	3,945,000	698,000	919,000	2,661,000	3,433,000	230,000	7,842,000		1,149,000
gain on sale of sba loans	80,000	308,000	46,000		288,000	218,000	145,000	56,000	198,000	42,000	97,000		139,000	30,000	58,000		95,000	792,000	439,000			341,000		355,000
loss on sale of branches, equipment and other assets	-7,000				-163,000
gain on oreo	707,000	203,000	-1,000	13,000	-376,000	-2,423,000	85,000	49,000	17,000	13,000		319,000		13,000		9,000	478,000	737,000	246,000	470,000	235,000	277,000		58,000
fair value adjustment for marketable securities	-1,248,000	1,173,000	1,020,000	-238,000	442,000	850,000	1,392,000	-274,000	1,003,000	5,024,000	4,507,000	783,000	-11,408,000	1,032,000	-2,628,000	-1,801,000	2,125,000	85,000	61,000	-1,350,000	919,000	-5,818,000
other income	9,102,000	12,837,000	13,963,000	13,462,000	11,442,000	8,403,000	7,514,000	6,658,000	7,380,000	5,331,000	6,179,000	15,143,000	11,850,000	23,185,000	9,487,000	7,687,000	7,922,000	5,338,000	4,322,000	2,602,000	3,939,000	3,219,000		2,094,000
total non-interest income	42,803,000	50,499,000	51,505,000	51,079,000	45,426,000	41,222,000	42,779,000	42,774,000	41,799,000	42,848,000	43,413,000	49,509,000	34,164,000	56,660,000	43,201,000	44,581,000	30,669,000	31,964,000	29,209,000	29,951,000	25,023,000	22,927,000		23,066,000
non-interest expense:
salaries and employee benefits	63,236,000	62,891,000	63,804,000	64,318,000	61,855,000	60,824,000	58,861,000	60,427,000	60,910,000	63,430,000	64,512,000	64,534,000	64,490,000	64,249,000	65,290,000	65,795,000	43,551,000	43,765,000	42,469,000	41,511,000	40,088,000	39,329,000		37,976,000
occupancy and equipment	14,867,000	14,434,000	14,828,000	14,023,000	14,425,000	14,526,000	14,546,000	14,408,000	14,551,000	14,965,000	15,463,000	14,923,000	14,952,000	14,884,000	15,133,000	14,256,000	9,144,000	9,047,000	9,305,000	9,566,000	10,172,000	8,873,000		8,853,000
data processing expense	8,884,000	8,653,000	8,871,000	8,364,000	8,558,000	9,324,000	9,088,000	8,935,000	9,147,000	9,107,000	9,103,000	9,151,000	8,968,000	9,062,000	8,747,000	10,094,000	7,039,000	6,493,000	6,024,000	4,921,000	4,614,000	4,326,000		3,838,000
merger and acquisition expenses	394,000															48,731,000	863,000	880,000	1,006,000
other operating expenses	26,594,000	27,805,000	27,335,000	29,335,000	28,090,000	27,536,000	27,550,000	29,415,000	26,888,000	39,673,000	25,684,000	27,674,000	26,234,000	30,708,000	25,176,000	26,606,000	16,299,000	16,865,000	16,815,000	15,714,000	25,298,000	25,721,000		16,957,000
total non-interest expense	113,975,000	114,363,000	114,838,000	116,040,000	112,928,000	112,210,000	110,045,000	113,185,000	111,496,000	127,175,000	114,762,000	116,282,000	114,644,000	118,903,000	114,346,000	165,482,000	76,896,000	77,050,000	75,619,000	71,712,000	80,172,000	78,249,000		67,624,000
income before income taxes	152,232,000	153,323,000	159,327,000	151,991,000	147,154,000	129,454,000	129,084,000	133,411,000	130,393,000	112,793,000	129,288,000	136,887,000	132,915,000	148,423,000	141,959,000	19,272,000	84,921,000	93,934,000	98,201,000	90,377,000	82,077,000	-2,420,000		95,104,000
income tax expense	34,023,000	35,098,000	35,723,000	33,588,000	31,945,000	28,890,000	29,046,000	31,881,000	30,284,000	26,550,000	30,835,000	31,616,000	29,953,000	32,736,000	33,254,000	3,294,000	20,029,000	20,577,000	23,209,000	21,057,000				22,940,000
net income	118,209,000	118,225,000	123,604,000	118,403,000	115,209,000	100,564,000	100,038,000	101,530,000	100,109,000	86,243,000	98,453,000	105,271,000	102,962,000	115,687,000	108,705,000	15,978,000	64,892,000	73,357,000	74,992,000	69,320,000	62,827,000	507,000		72,164,000
yoy	2.60%	17.56%	23.56%	16.62%	15.08%	16.61%	1.61%	-3.55%	-2.77%	-25.45%	-9.43%	558.85%	58.67%	57.70%	44.96%	-76.95%	3.29%	14368.84%		-3.94%
qoq	-0.01%	-4.35%	4.39%	2.77%	14.56%	0.53%	-1.47%	1.42%	16.08%	-12.40%	-6.48%	2.24%	-11.00%	6.42%	580.34%	-75.38%	-11.54%	-2.18%	8.18%	10.33%	12291.91%
basic earnings per share	0.6	0.453	0.63	0.6	0.58	0.378	0.5	0.51	0.5	0.378	0.49	0.52	0.51	0.248	0.53	0.08	0.4	0.373	0.46	0.42	0.38			0.43
diluted earnings per share	0.6	0.45	0.63	0.6	0.58	0.378	0.5	0.51	0.5	0.378	0.49	0.52	0.51	0.248	0.53	0.08	0.4	0.373	0.46	0.42	0.38			0.43
federal funds purchased							1,000				1,000	2,000				2,000						13,000
(recovery of) provision for credit losses on unfunded commitments		-250,000	-1,000,000
recovery of credit losses on investment securities		-548,500	-2,194,000
gain on sale of branches, equipment and other assets		185,750	-66,000	972,000		519,000	32,000	2,052,000	-8,000	231,000		917,000	7,000	1,250	-13,000	2,000	16,000	-21,500	-34,000	-27,000	54,000	82,000		-129,000
provision for (recovery of) credit losses on unfunded commitments							1,000,000
(recovery of) provision for credit losses on investment securities						-82,500	-330,000
provision for credit losses on investment securities												1,683,000
(reversal of ) provision for credit losses on unfunded commitments										-375,000	-1,500,000
provision for credit losses on unfunded commitments
provision for credit losses on acquired loans														11,292,500		45,170,000
provision for credit losses on acquired unfunded commitments														2,852,500		11,410,000
provision for credit losses on acquired held-to-maturity investment securities														501,250		2,005,000
gain on securities
provision for credit losses
provision for credit losses - unfunded commitments																		-1,188,000
net interest income after provision for credit losses																	131,148,000	139,020,000	144,611,000
benefit from credit loss - loans																				14,000,000	11,441,000	76,672,000
benefit from credit loss - acquired loans																						9,309,000
benefit from credit loss - investment securities																						842,000
net interest income after benefit from credit losses																				132,138,000	137,226,000	52,902,000
income tax (benefit) expense																					19,250,000	-2,927,000
provision for loan losses																								1,325,000
net interest income after provision for loan losses																								139,662,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	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	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30

assets
cash and due from banks	296,209,000		284,750,000	291,344,000	319,747,000		265,408,000	229,209,000	205,262,000		229,474,000	275,656,000	250,841,000		268,929,000	287,451,000	173,134,000		146,378,000	182,226,000	218,814,000	144,197,000	185,047,000	147,200,000		183,745,000	141,027,000	208,681,000	197,658,000	185,479,000		197,953,000	147,041,000	163,662,000		123,126,000	136,632,000	115,206,000		120,262,000	116,682,000	115,448,000	105,438,000	109,067,000	122,167,000	124,662,000	104,005,000	77,261,000	75,148,000	95,604,000		86,381,000	71,078,000	76,837,000	57,337,000	48,748,000	48,207,000	58,123,000	49,927,000	39,894,000	34,912,000	36,237,000		39,036,000	41,531,000	41,396,000		50,445,000	60,915,000	53,862,000		46,471,000	51,110,000	57,998,000		45,216,000	50,516,000
interest-bearing deposits with other banks	815,714,000		516,170,000	809,729,000	975,983,000		752,269,000	829,507,000	969,996,000		258,605,000	335,535,000	437,213,000		1,311,492,000	2,528,925,000	3,446,324,000		3,133,878,000	2,759,027,000	2,259,734,000	899,140,000	1,030,609,000	424,235,000		373,557,000	421,443,000	323,376,000	298,085,000	325,122,000		354,367,000	313,447,000	253,427,000		173,034,000	48,762,000	42,866,000		108,394,000	87,729,000	82,123,000	7,090,000	28,416,000	21,385,000	89,897,000	61,529,000	35,080,000	97,576,000	206,753,000		69,248,000	287,452,000	269,401,000	126,967,000	104,053,000	231,667,000	201,834,000	237,605,000	168,173,000	153,302,000	156,772,000		84,921,000	4,553,000	9,025,000		10,290,000	4,845,000	5,828,000		2,573,000	2,431,000	2,962,000		831,000	1,406,000
cash and cash equivalents	1,111,923,000		800,920,000	1,101,073,000	1,295,730,000		1,017,677,000	1,058,716,000	1,175,258,000		488,079,000	611,191,000	688,054,000		1,580,421,000	2,816,376,000	3,619,458,000		3,280,256,000	2,941,253,000	2,478,548,000	1,043,337,000	1,215,656,000	571,435,000		557,302,000	562,470,000	532,057,000	495,743,000	510,601,000		552,320,000	460,488,000	417,089,000		296,160,000	185,394,000	158,072,000		228,656,000	204,411,000	197,571,000	112,528,000	137,483,000	143,552,000	214,559,000	165,534,000	112,341,000	172,724,000	302,357,000		155,629,000	358,530,000	346,238,000	184,304,000	152,801,000	279,874,000	259,957,000	287,532,000	208,067,000	188,214,000	193,009,000		123,957,000	46,084,000	50,421,000		60,735,000	65,760,000	59,690,000		49,044,000	53,541,000	60,960,000		46,047,000	51,922,000
fed funds sold	6,025,000		3,625,000	2,600,000	6,275,000		6,425,000		5,200,000		3,925,000	1,550,000			2,700,000
investment securities — available-for-sale, net of allowance for credit losses of 0 at both march 31, 2026 and december 31, 2025	2,803,847,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both march 31, 2026 and december 31, 2025	1,256,635,000
total investment securities	4,060,482,000		4,188,696,000	4,165,260,000	4,273,216,000		4,547,710,000	4,623,392,000	4,681,470,000		4,755,648,000	4,930,163,000	5,058,511,000		5,336,109,000	5,158,290,000	3,456,587,000
loans receivable	15,633,628,000	15,169,888,000	15,285,972,000	15,180,624,000	14,952,116,000	14,675,001,000	14,823,979,000	14,781,457,000	14,513,673,000	14,314,732,000	14,271,833,000	14,180,972,000	14,386,634,000	12,940,998,000	13,829,311,000	13,923,873,000	10,052,714,000	10,375,457,000	9,901,100,000	10,199,175,000	10,778,493,000	11,691,470,000	11,955,743,000	11,384,982,000	10,961,599,000	11,053,129,000	10,978,935,000	10,832,815,000	10,897,970,000	10,325,736,000	8,403,154,000	10,286,193,000	7,834,475,000	7,849,645,000	6,986,759,000	7,112,291,000	6,947,815,000	6,779,906,000	5,732,315,000	5,941,930,000	5,598,661,000	5,042,923,000	5,002,491,000	4,781,141,000	4,345,093,000	4,348,214,000	4,433,138,000	2,648,162,000	2,627,594,000	2,621,880,000	2,490,901,000	2,429,224,000	2,411,398,000	2,450,529,000	2,189,696,000	2,283,191,000	2,304,170,000	2,362,174,000	2,414,802,000	2,319,718,000	2,140,158,000	2,142,706,000	1,922,861,000	1,971,039,000	1,972,704,000	1,966,572,000	1,521,881,000	1,967,923,000	1,951,272,000	1,866,969,000	1,521,881,000	1,560,374,000	1,525,013,000	1,475,376,000	1,314,611,000	1,387,279,000	1,328,351,000
allowance for credit losses	-297,634,000		-285,649,000	-281,869,000	-279,944,000		-312,574,000	-295,856,000	-290,294,000		-285,562,000	-285,683,000	-287,169,000		-289,203,000	-294,267,000	-234,768,000		-238,673,000	-240,451,000	-242,932,000	-248,224,000	-238,340,000	-228,923,000
bank premises and equipment	374,010,000		374,515,000	379,729,000	384,843,000		388,776,000	383,691,000	389,618,000		397,093,000	397,315,000	402,094,000		411,479,000	415,056,000	274,503,000		276,972,000	278,502,000	278,620,000	280,364,000	279,498,000	281,795,000		278,821,000	279,012,000	233,652,000	234,634,000	235,607,000		239,990,000	207,071,000	212,813,000		208,137,000	207,932,000	210,764,000		205,505,000	209,425,000	209,326,000	206,912,000	211,726,000	196,194,000	196,392,000	197,224,000	119,637,000	119,737,000	117,534,000		105,131,000	100,694,000	100,674,000	88,465,000	89,894,000	90,128,000	90,413,000	81,939,000	74,860,000	75,314,000	69,997,000		70,991,000	71,914,000	72,815,000		70,500,000	70,745,000	71,155,000		66,770,000	64,656,000	60,751,000		54,407,000	52,556,000
foreclosed assets held for sale	40,874,000		41,263,000	41,529,000	39,680,000		43,040,000	41,347,000	30,650,000		691,000	725,000	425,000		365,000	373,000	1,144,000		1,171,000	1,969,000	3,004,000	4,322,000	6,292,000	8,204,000		13,734,000	14,466,000	13,507,000	17,853,000	20,134,000		21,701,000	18,789,000	17,315,000		17,053,000																												19,111,000	17,606,000	15,397,000		9,392,000	5,284,000	5,097,000		4,915,000	182,000	327,000		732,000	611,000
cash value of life insurance	221,830,000		219,075,000	218,113,000	221,621,000		219,353,000	218,198,000	215,424,000		213,351,000	213,090,000	214,792,000		212,619,000	211,811,000	105,623,000		104,638,000	104,132,000	103,599,000	102,989,000	102,443,000	103,120,000		149,708,000	149,353,000	148,014,000	147,281,000	147,424,000		146,158,000	97,684,000	97,223,000		86,230,000	85,889,000	85,538,000		75,281,000	75,015,000	74,722,000	74,444,000	70,913,000	64,066,000	63,787,000	63,501,000	59,602,000	59,401,000	59,185,000		53,366,000	53,167,000	52,955,000	52,700,000	52,422,000	52,101,000	51,815,000	51,970,000	51,694,000	51,366,000	51,019,000		51,742,000	51,249,000	50,676,000		49,731,000	49,189,000	48,678,000		47,468,000	46,862,000	42,746,000		7,008,000	6,954,000
accrued interest receivable	106,628,000		110,702,000	107,732,000	115,983,000		118,871,000	120,984,000	119,029,000		110,946,000	101,066,000	102,740,000		88,671,000	80,274,000	46,934,000		48,577,000	48,725,000	55,495,000	72,599,000	80,274,000	50,295,000		48,992,000	50,288,000	48,909,000	45,682,000	45,361,000		41,071,000	32,445,000	32,413,000		29,398,000	28,548,000	28,833,000		26,977,000	24,447,000	23,542,000	24,075,000	23,366,000	20,847,000	21,865,000	22,944,000	14,275,000	14,424,000	14,367,000		14,872,000	14,834,000	15,845,000	15,551,000	15,038,000	12,338,000	15,337,000	16,176,000	15,269,000	13,071,000	14,854,000		12,815,000	12,840,000	12,850,000		13,804,000	13,962,000	14,649,000		15,186,000	14,847,000	14,331,000		13,894,000	12,587,000
deferred tax asset	143,987,000		155,963,000	174,323,000	170,120,000		176,629,000	195,041,000	202,882,000		222,741,000	206,430,000	193,334,000		228,979,000	208,585,000	116,605,000		69,724,000	72,273,000	77,145,000	75,167,000	74,333,000	77,110,000		58,517,000	64,061,000	79,548,000	78,435,000	78,328,000		121,787,000	68,368,000	67,063,000		56,435,000	61,613,000	69,564,000		63,075,000	62,088,000	59,594,000	65,227,000	68,070,000	73,151,000	82,886,000	89,412,000	46,045,000	46,655,000	40,907,000		33,680,000	31,115,000	34,680,000	22,850,000	21,998,000	22,265,000	21,420,000	18,586,000	13,080,000	9,652,000	10,072,000		13,423,000	14,669,000	16,659,000		14,530,000	12,420,000	10,583,000		9,499,000	11,023,000	8,455,000		9,043,000	11,903,000
goodwill	1,398,253,000		1,398,253,000	1,398,253,000	1,398,253,000		1,398,253,000	1,398,253,000	1,398,253,000		1,398,253,000	1,398,253,000	1,398,253,000		1,394,353,000	1,398,400,000	973,025,000		973,025,000	973,025,000	973,025,000	973,025,000	973,025,000	973,025,000		958,408,000	958,408,000	958,408,000	956,418,000	927,949,000		929,129,000	420,941,000	420,941,000		377,983,000	377,983,000	377,983,000		322,728,000	322,728,000	322,728,000	325,423,000	313,320,000	301,736,000	301,736,000	301,736,000	85,681,000	85,681,000	85,681,000		77,090,000	77,090,000	77,090,000	59,663,000	59,663,000	59,663,000	59,663,000	59,663,000	59,663,000	53,039,000	53,039,000		53,039,000	53,039,000	53,138,000		50,038,000	49,849,000	49,849,000		37,527,000	37,527,000	37,527,000		37,527,000	37,527,000
core deposit intangibles	30,355,000		34,231,000	36,255,000	38,280,000		42,395,000	44,490,000	46,630,000		51,023,000	53,500,000	55,978,000		60,932,000
other assets	371,318,000		380,236,000	383,400,000	376,030,000		352,583,000	350,192,000	347,928,000		322,617,000	317,857,000	304,609,000		300,634,000	270,987,000	182,546,000		171,192,000	166,991,000	166,814,000	160,660,000	174,908,000	177,634,000		180,293,000	172,732,000	187,339,000	191,914,000	186,001,000		163,081,000	136,494,000	132,503,000		127,185,000	131,181,000	123,462,000		134,113,000	103,913,000	99,143,000	93,689,000	86,436,000	77,516,000	82,058,000	81,215,000	66,450,000	56,654,000	69,494,000		51,654,000	73,768,000	61,165,000	64,253,000	73,707,000	61,592,000	58,042,000	62,367,000	51,765,000	44,063,000	45,745,000		33,008,000	31,259,000	28,767,000		29,926,000	27,899,000	28,773,000		23,431,000	22,002,000	21,463,000		20,723,000	17,186,000
total assets	23,201,679,000	22,693,595,000	22,707,802,000	22,907,022,000	22,992,203,000	22,754,380,000	22,823,117,000	22,919,905,000	22,835,721,000	22,217,910,000	21,950,638,000	22,126,429,000	22,518,255,000	22,553,340,000	23,157,370,000	24,253,168,000	18,617,995,000	17,458,985,000	17,765,056,000	17,627,192,000	17,240,241,000	16,549,758,000	16,895,406,000	15,531,732,000	15,028,500,000	15,287,575,000	15,179,501,000	14,912,738,000	14,924,120,000	14,323,229,000	11,499,105,000	14,255,967,000	10,872,228,000	10,717,468,000	9,568,853,000	9,764,238,000	9,582,126,000	9,397,451,000	8,210,982,000	8,515,553,000	8,074,382,000	7,513,974,000	7,403,272,000	7,196,371,000	6,666,140,000	6,780,776,000	6,811,861,000	4,161,306,000	4,091,337,000	4,225,507,000	3,978,723,000	3,887,909,000	4,056,405,000	4,147,952,000	3,604,117,000	3,622,166,000	3,694,469,000	3,703,780,000	3,762,646,000	3,392,137,000	3,038,889,000	3,078,199,000	2,584,940,000	2,631,736,000	2,579,926,000	2,586,151,000	2,233,345,000	2,650,590,000	2,611,619,000	2,571,145,000	2,233,345,000	2,267,672,000	2,239,921,000	2,203,576,000	2,030,518,000	2,113,498,000	2,043,487,000
liabilities and stockholders’ equity
deposits:
demand and non-interest-bearing	3,994,217,000		3,880,101,000	4,024,574,000	4,079,289,000		3,937,168,000	4,068,302,000	4,115,603,000		4,280,429,000	4,598,593,000	4,945,729,000		5,540,539,000	6,036,583,000	4,311,400,000		4,139,149,000	4,076,570,000	3,859,722,000	3,207,967,000	3,413,727,000	2,425,036,000		2,575,696,000	2,519,175,000	2,482,857,000	2,523,553,000	2,473,602,000		2,555,465,000	1,957,677,000	1,862,996,000		1,717,467,000	1,645,472,000	1,562,565,000		1,409,949,000	1,406,051,000	1,328,689,000	1,203,306,000	1,170,441,000	1,129,073,000	1,057,148,000	991,161,000	757,328,000	733,374,000	717,830,000		596,746,000	597,374,000	583,951,000		479,512,000	462,275,000	447,245,000		368,822,000	337,073,000	354,663,000		295,755,000	294,339,000	297,146,000		263,410,000	248,036,000	255,532,000		217,666,000	224,675,000	228,716,000		262,013,000	230,818,000
savings and interest-bearing transaction accounts	11,971,866,000	11,491,941,000	11,500,921,000	11,571,949,000	11,586,106,000	11,078,003,000	10,966,426,000	11,150,516,000	11,047,258,000	11,162,244,000	10,786,087,000	11,169,940,000	11,392,566,000		11,968,519,000	12,424,192,000	9,461,393,000		8,813,326,000	8,744,900,000	8,477,208,000	8,011,200,000	7,970,979,000	7,149,644,000	6,674,493,000	6,774,162,000	6,650,181,000	6,420,951,000	6,573,902,000	6,437,408,000	4,823,626,000	6,341,883,000	4,335,456,000	4,274,194,000	3,717,880,000	3,792,229,000	3,678,546,000	3,602,868,000	3,218,745,000	3,230,722,000	3,099,522,000	3,120,803,000	2,974,850,000	2,830,829,000	2,756,060,000	2,827,787,000	2,792,423,000	1,683,010,000	1,735,280,000	1,810,957,000		1,527,829,000	1,521,869,000	1,514,812,000	1,189,098,000	1,143,335,000	1,122,034,000	1,112,948,000	1,108,309,000	926,746,000	833,912,000	863,988,000		660,533,000	661,387,000	664,964,000		680,217,000	722,877,000	687,252,000		569,797,000	612,853,000	606,593,000		489,412,000	531,319,000
time deposits	1,772,192,000	1,864,674,000	1,946,674,000	1,891,909,000	1,876,096,000	1,747,302,000	1,802,116,000	1,736,985,000	1,703,269,000	1,284,156,000	1,452,229,000	1,228,358,000	1,107,171,000	1,033,431,000	1,033,266,000	1,119,297,000	808,141,000	1,087,875,000	1,050,896,000	1,069,871,000	1,175,664,000	1,718,299,000	1,793,230,000	1,940,234,000	1,972,040,000	1,997,458,000	1,898,096,000	1,720,930,000	1,638,578,000	1,485,605,000	1,444,828,000	1,551,422,000	1,474,255,000	1,430,017,000	1,362,680,000	1,330,597,000	1,388,930,000	1,412,086,000	1,381,562,000	1,312,343,000	1,372,463,000	1,452,733,000	1,245,815,000	1,276,001,000	1,306,876,000	1,453,575,000	1,609,462,000	808,480,000	856,581,000	936,649,000	1,148,072,000	1,007,894,000	1,174,286,000	1,281,636,000	1,204,352,000	1,262,202,000	1,315,484,000	1,357,338,000	1,460,867,000	1,268,868,000	1,015,507,000	1,002,437,000	937,270,000	823,997,000	876,339,000	874,337,000	807,765,000	969,444,000	930,890,000	911,954,000	807,765,000	811,108,000	805,485,000	792,951,000	763,291,000	806,108,000	757,070,000
total deposits	17,738,275,000		17,327,696,000	17,488,432,000	17,541,491,000		16,705,710,000	16,955,803,000	16,866,130,000		16,518,745,000	16,996,891,000	17,445,466,000		18,542,324,000	19,580,072,000	14,580,934,000		14,003,371,000	13,891,341,000	13,512,594,000	12,937,466,000	13,177,936,000	11,514,914,000		11,347,316,000	11,067,452,000	10,624,738,000	10,736,033,000	10,396,615,000		10,448,770,000	7,767,388,000	7,567,207,000		6,840,293,000	6,712,948,000	6,577,519,000		5,953,014,000	5,878,036,000	5,902,225,000	5,423,971,000	5,277,271,000	5,192,009,000	5,338,510,000	5,393,046,000	3,248,818,000	3,325,235,000	3,465,436,000		3,132,469,000	3,293,529,000	3,380,399,000	2,858,031,000	2,885,049,000	2,899,793,000	2,917,531,000	2,961,798,000	2,564,436,000	2,186,492,000	2,221,088,000		1,780,285,000	1,832,065,000	1,836,447,000		1,913,071,000	1,901,803,000	1,854,738,000		1,598,571,000	1,643,013,000	1,628,260,000		1,557,533,000	1,519,207,000
securities sold under agreements to repurchase	157,409,000		145,998,000	140,813,000	161,401,000		179,416,000	137,996,000	176,107,000		160,120,000	160,349,000	138,742,000		121,555,000	118,573,000	151,151,000		141,002,000	150,540,000	162,929,000	158,447,000	162,858,000	126,884,000		142,541,000	152,239,000	142,146,000	139,750,000	150,315,000		149,531,000	133,741,000	123,793,000		109,350,000	111,072,000	121,906,000		134,142,000	150,746,000	178,615,000	176,465,000	160,895,000	144,602,000	137,524,000	160,984,000	71,307,000	73,461,000	77,194,000		61,499,000	66,620,000	72,531,000	62,319,000	62,407,000	65,632,000	69,834,000	74,459,000	73,015,000	62,869,000	55,403,000		63,264,000	65,232,000	74,478,000		108,350,000	116,865,000	114,589,000		131,007,000	127,392,000	128,335,000		116,339,000	121,826,000
fhlb and other borrowed funds	500,250,000		550,500,000	550,500,000	600,500,000		1,300,750,000	1,301,050,000	1,301,050,000		1,001,550,000	701,550,000	650,000,000		400,000,000	400,000,000	400,000,000		400,000,000	400,000,000	400,000,000	403,428,000	531,432,000	951,436,000		899,447,000	1,105,175,000	1,363,851,000	1,309,950,000	1,115,061,000		1,044,333,000	1,099,478,000	1,455,040,000		1,420,369,000	1,380,889,000	1,336,233,000													136,312,000												259,162,000				183,248,000				183,248,000			127,842,000	144,074,000	157,117,000	126,319,000
accrued interest payable and other liabilities	176,727,000		189,551,000	203,004,000	207,154,000		238,058,000	230,011,000	241,345,000		175,367,000	173,426,000	212,887,000		192,908,000	197,503,000	131,339,000		113,721,000	118,415,000	148,999,000	139,485,000	161,095,000	138,479,000		107,695,000	124,172,000	72,381,000	55,971,000	54,845,000		38,782,000	37,751,000	69,125,000		37,382,000	51,476,000	73,185,000		60,141,000	56,166,000	55,268,000	28,761,000	25,145,000	22,358,000	20,113,000	5,389,000	22,714,000	25,787,000	21,020,000		24,590,000	15,967,000	27,403,000	22,593,000	24,339,000	30,140,000	33,512,000	27,863,000	24,494,000	22,558,000	21,360,000		11,594,000	14,105,000	11,034,000		12,350,000	10,440,000	17,936,000		12,204,000	11,061,000	12,192,000		12,233,000	11,069,000
subordinated debentures	279,433,000	373,500,000	279,093,000	438,957,000	439,102,000	439,539,000	439,394,000	439,542,000	439,688,000	440,125,000	439,982,000	440,129,000	440,275,000	515,049,000	440,568,000	458,455,000	667,868,000	370,712,000	370,900,000	370,707,000	370,515,000	370,133,000	369,939,000	369,748,000	369,175,000	369,170,000	368,979,000	368,596,000	368,403,000	368,212,000	285,733,000	367,835,000	357,838,000	60,735,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	60,826,000	3,093,000	3,093,000	3,093,000	39,852,000	28,867,000	44,331,000	44,331,000	44,331,000	44,331,000	44,331,000	44,331,000	44,331,000	44,331,000	47,439,000	47,462,000	47,622,000	47,507,000	47,530,000	47,552,000	44,620,000	47,598,000	47,620,000	47,643,000	44,620,000	44,595,000	44,618,000	44,640,000	44,710,000	44,686,000	44,708,000
total liabilities	18,852,094,000	18,598,152,000	18,492,838,000	18,821,706,000	18,949,648,000	18,896,703,000	18,863,328,000	19,064,402,000	19,024,320,000	18,586,610,000	18,295,764,000	18,472,345,000	18,887,370,000	19,222,622,000	19,697,355,000	20,754,603,000	15,931,292,000	14,774,846,000	15,028,994,000	14,931,003,000	14,595,037,000	14,008,959,000	14,403,260,000	13,101,461,000	12,617,647,000	12,866,169,000	12,818,017,000	12,571,712,000	12,610,107,000	12,085,048,000	9,857,827,000	12,049,251,000	9,396,196,000	9,275,900,000	8,310,927,000	8,468,220,000	8,317,211,000	8,169,669,000	7,128,397,000	7,424,275,000	7,012,681,000	6,474,411,000	6,387,980,000	6,237,690,000	5,768,905,000	5,911,908,000	5,970,906,000	3,616,164,000	3,557,827,000	3,697,112,000	3,484,605,000	3,377,931,000	3,560,970,000	3,667,417,000	3,130,051,000	3,159,027,000	3,190,020,000	3,215,455,000	3,285,721,000	2,893,669,000	2,551,774,000	2,599,861,000	2,297,113,000	2,185,200,000	2,236,572,000	2,247,338,000	1,992,789,000	2,359,551,000	2,323,764,000	2,284,754,000	1,992,789,000	2,021,095,000	2,001,539,000	1,966,719,000	1,834,504,000	1,887,908,000	1,833,134,000
stockholders’ equity:
common stock	1,964,000		1,969,000	1,972,000	1,982,000		1,989,000	1,997,000	2,008,000		2,023,000	2,026,000	2,032,000		2,042,000	2,053,000	1,638,000		1,640,000	1,645,000	1,651,000	1,652,000	1,652,000	1,651,000		1,675,000	1,682,000	1,741,000	1,745,000	1,736,000		1,737,000	1,431,000	1,434,000		1,405,000	1,404,000	702,000		680,000	677,000	676,000	676,000	665,000	651,000	651,000	651,000	563,000	562,000	281,000		282,000	281,000	281,000	283,000	283,000	285,000	285,000	285,000	284,000	283,000	257,000		249,000	199,000	199,000		198,000	183,000	183,000		172,000	172,000	172,000		172,000	146,000
capital surplus	2,191,243,000		2,214,211,000	2,221,576,000	2,246,312,000		2,272,100,000	2,295,893,000	2,326,824,000		2,363,210,000	2,366,560,000	2,375,754,000		2,404,388,000	2,426,271,000	1,485,524,000		1,492,588,000	1,501,615,000	1,516,286,000	1,520,103,000	1,518,631,000	1,516,151,000		1,550,999,000	1,560,994,000	1,668,106,000	1,693,337,000	1,671,141,000		1,674,642,000	940,821,000	948,982,000		866,310,000	863,560,000	862,827,000		782,500,000	780,731,000	779,856,000	781,328,000	749,573,000	709,516,000	708,868,000	708,058,000	417,627,000	416,795,000	416,741,000		420,595,000	420,538,000	421,006,000	425,649,000	425,852,000	433,306,000	433,130,000	432,962,000	432,668,000	431,343,000	363,870,000		349,429,000	255,009,000	254,501,000		252,836,000	220,248,000	220,052,000		195,429,000	195,257,000	194,930,000		194,406,000	187,847,000
retained earnings	2,335,787,000		2,181,911,000	2,097,712,000	2,018,801,000		1,880,562,000	1,819,412,000	1,753,994,000		1,640,171,000	1,578,176,000	1,509,400,000		1,361,040,000	1,286,146,000	1,304,098,000		1,215,831,000	1,163,810,000	1,107,818,000	980,699,000	932,856,000	891,498,000		853,964,000	803,629,000	701,900,000	642,540,000	585,586,000		526,448,000	527,338,000	490,142,000		419,999,000	389,014,000	357,788,000		299,984,000	274,409,000	248,951,000	226,279,000	203,107,000	182,382,000	158,838,000	136,386,000	128,316,000	114,172,000	100,730,000		77,190,000	64,478,000	51,800,000		28,218,000	15,766,000	4,428,000		9,934,000	2,580,000	63,907,000		46,074,000	40,704,000	37,126,000		43,310,000	70,220,000	65,575,000		54,871,000	50,333,000	45,875,000		37,496,000	33,687,000
accumulated other comprehensive loss	-179,409,000		-183,127,000	-235,944,000	-224,540,000		-194,862,000	-261,799,000	-271,425,000		-350,530,000	-292,678,000	-256,301,000														-4,821,000	-30,721,000	-23,609,000	-20,282,000																																			-1,743,000	-2,152,000		-5,305,000	-2,796,000			-3,895,000	-7,380,000	-4,120,000		-6,484,000	-11,350,000
total stockholders’ equity	4,349,585,000		4,214,964,000	4,085,316,000	4,042,555,000		3,959,789,000	3,855,503,000	3,811,401,000		3,654,874,000	3,654,084,000	3,630,885,000		3,460,015,000	3,498,565,000	2,686,703,000		2,736,062,000	2,696,189,000	2,645,204,000	2,540,799,000	2,492,146,000	2,430,271,000		2,421,406,000	2,361,484,000	2,341,026,000	2,314,013,000	2,238,181,000		2,206,716,000	1,476,032,000	1,441,568,000		1,296,018,000	1,264,915,000	1,227,782,000		1,091,278,000	1,061,701,000	1,039,563,000	1,015,292,000	958,681,000	897,235,000	868,868,000	840,955,000	545,142,000	533,510,000	528,395,000		509,978,000	495,435,000	480,535,000	474,066,000	463,139,000	504,449,000	488,325,000	476,925,000	498,468,000	487,115,000	478,338,000		446,536,000	343,354,000	338,813,000		291,039,000	287,855,000	286,391,000		246,577,000	238,382,000	236,857,000		225,590,000	210,353,000
total liabilities and stockholders’ equity	23,201,679,000	22,693,595,000	22,707,802,000	22,907,022,000	22,992,203,000	22,754,380,000	22,823,117,000	22,919,905,000	22,835,721,000	22,217,910,000	21,950,638,000	22,126,429,000	22,518,255,000	22,553,340,000	23,157,370,000	24,253,168,000	18,617,995,000	17,458,985,000	17,765,056,000	17,627,192,000	17,240,241,000	16,549,758,000	16,895,406,000	15,531,732,000	15,028,500,000	15,287,575,000	15,179,501,000	14,912,738,000	14,924,120,000	14,323,229,000	11,499,105,000	14,255,967,000	10,872,228,000	10,717,468,000	9,568,853,000	9,764,238,000	9,582,126,000	9,397,451,000	8,210,982,000	8,515,553,000	8,074,382,000	7,513,974,000	7,403,272,000	7,196,371,000	6,666,140,000	6,780,776,000	6,811,861,000	4,161,306,000	4,091,337,000	4,225,507,000	3,978,723,000	3,887,909,000	4,056,405,000	4,147,952,000	3,604,117,000	3,622,166,000	3,694,469,000	3,703,780,000	3,762,646,000	3,392,137,000	3,038,889,000	3,078,199,000		2,631,736,000	2,579,926,000	2,586,151,000		2,650,590,000	2,611,619,000	2,571,145,000		2,267,672,000	2,239,921,000	2,203,576,000		2,113,498,000	2,043,487,000
earnings assets
interest-bearing balances due from banks		610,338,000				819,445,000				319,733,000				2,444,541,000				2,596,460,000							254,548,000						220,231,000				117,022,000				108,315,000												165,862,000												5,691,000				3,235,000				3,235,000				2,939,000
federal funds sold		4,821,000				5,035,000				3,864,000				1,519,000				71,000							1,421,000	1,075,000	1,700,000	500,000	500,000	1,825,000	6,308,000	4,545,000		1,700,000	1,764,000	1,850,000	525,000	7,050,000	9,250,000			6,100,000	250,000	44,275,000	850,000	22,925,000	4,275,000	10,700,000	2,475,000	2,850,000	7,175,000	1,775,000	575,000	1,375,000	1,100,000	3,670,000	7,595,000	1,175,000	27,848,000	800,000	8,665,000	11,207,000	14,745,000	660,000	31,805,000	15,510,000	6,683,000	28,347,000	7,436,000	37,331,000	6,683,000	11,145,000	10,182,000	10,685,000	16,870,000	31,081,000	11,102,000
investment securities – taxable		3,078,265,000				3,400,325,000				3,655,632,000				3,582,664,000				2,031,139,000							1,663,512,000						1,300,384,000				1,161,428,000				1,114,829,000
investment securities – non-taxable		1,132,761,000				1,190,033,000				1,276,566,000				1,178,561,000				858,503,000													348,865,000				337,318,000				332,048,000
total interest-earning assets		19,996,073,000				20,089,839,000				19,570,527,000				20,148,283,000				15,861,630,000							13,260,312,000						10,278,942,000				8,604,291,000				7,296,757,000												3,402,995,000												2,335,173,000				2,002,231,000				2,002,231,000				1,853,348,000
non-earning assets		2,697,522,000				2,664,541,000				2,647,383,000				2,405,057,000				1,597,355,000							1,768,188,000						1,220,163,000				964,562,000				914,225,000												575,728,000												249,767,000				231,114,000				231,114,000				177,170,000
liabilities and shareholders' equity
liabilities
interest-bearing liabilities
total interest-bearing deposits		13,356,615,000				12,825,305,000				12,446,400,000				12,554,212,000				9,803,879,000							8,646,533,000						6,268,454,000				5,080,560,000				4,600,307,000												2,649,165,000												1,621,504,000				1,399,639,000				1,399,639,000				1,293,510,000
federal funds purchased		14,000				20,000				44,000				220,000											2,895,000						77,000				255,000				824,000												273,000												7,850,000				15,538,000		8,485,000		15,538,000	8,690,000		25,450,000	13,889,000		10,005,000
securities sold under agreement to repurchase		148,545,000				165,965,000				149,014,000				129,006,000				151,190,000							149,665,000						134,689,000				120,576,000				156,513,000												67,040,000												111,398,000				121,751,000				121,751,000				111,635,000
fhlb & other borrowed funds		558,839,000				1,197,662,000				753,152,000
total interest-bearing liabilities		14,437,513,000				14,628,491,000				13,788,735,000				13,672,326,000				10,725,781,000							10,017,237,000						7,806,770,000				6,638,581,000				5,721,322,000												2,892,642,000												2,047,536,000				1,764,796,000				1,764,796,000				1,607,818,000
non-interest-bearing liabilities
non-interest-bearing deposits		3,961,332,000				4,029,684,000				4,599,241,000				5,378,906,000				3,924,341,000							2,489,254,000																										569,017,000												236,009,000				215,212,000				215,212,000				215,075,000
other liabilities		199,307,000				238,528,000				198,634,000				171,390,000				124,724,000							111,156,000						45,425,000				53,218,000				48,170,000												22,946,000												13,568,000				12,781,000				12,781,000				11,611,000
stockholders’ equity		4,095,443,000				3,857,677,000				3,631,300,000				3,330,718,000				2,684,139,000							2,410,853,000						1,641,278,000				1,257,926,000				1,082,585,000												494,118,000
net interest spread		3,770				3,430				3,510				3,530				3,500							3,900						4,320				4,710				4,900												4,600												3,460				3,030				3,030				3,010
net interest income and margin		902,588,000				857,308,000				832,451,000				767,339,000				580,050,000							568,472,000						463,761,000				413,882,000				363,422,000												160,075,000												89,136,000				70,513,000				70,513,000				65,052,000
investment securities — available-for-sale, net of allowance for credit losses of 0 at september 30, 2025 and 2,195 at december 31, 2024			2,924,496,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both september 30, 2025 and december 31, 2024			1,264,200,000
investment securities — available-for-sale, net of allowance for credit losses of 2,195 at both june 30, 2025 and december 31, 2024				2,899,968,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both june 30, 2025 and december 31, 2024				1,265,292,000
investment securities — available-for-sale, net of allowance for credit losses of 2,195 at both march 31, 2025 and december 31, 2024					3,003,320,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both march 31, 2025 and december 31, 2024					1,269,896,000
investment securities — available-for-sale, net of allowance for credit losses of 2,195 and 2,525 at september 30, 2024 and december 31, 2023, respectively							3,270,620,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both september 30, 2024 and december 31, 2023							1,277,090,000
investment securities — available-for-sale, net of allowance for credit losses of 2,525 at both june 30, 2024 and december 31, 2023								3,344,539,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both june 30, 2024 and december 31, 2023								1,278,853,000
investment securities — available-for-sale, net of allowance for credit losses of 2,525 at both march 31, 2024 and december 31, 2023									3,400,884,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both march 31, 2024 and december 31, 2023									1,280,586,000
investment securities — available-for-sale, net of allowance for credit losses of 2,524 and 842 at september 30, 2023 and december 31, 2023, respectively											3,472,173,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both september 30, 2023 and december 31, 2022											1,283,475,000
investment securities — available-for-sale, net of allowance for credit losses of 2,524 and 842 at june 30, 2023 and december 31, 2023, respectively												3,645,013,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both june 30, 2023 and december 31, 2022												1,285,150,000
investment securities — available-for-sale, at estimated fair value													3,772,138,000
investment securities — held-to-maturity, net of allowance for credit losses of 2,005 at both march 31, 2023 and december 31, 2022													1,286,373,000
savings and interest- bearing transaction accounts														11,520,781,000				8,716,004,000
fhlb borrowed funds														473,839,000				400,000,000							848,969,000						1,117,817,000				1,376,364,000				902,852,000	1,216,152,000	866,907,000	277,477,000	697,957,000	713,553,000	349,110,000	354,935,000	350,661,000	270,232,000	130,251,000	130,369,000		130,506,000	140,523,000	142,753,000	142,777,000	142,901,000	150,124,000	150,247,000	177,270,000	187,393,000	232,416,000	254,548,000		282,550,000	277,640,000	277,827,000		278,182,000	238,551,000	249,848,000		226,028,000	175,455,000
investment securities – available-for-sale, net of allowance for credit losses															4,085,102,000	3,791,509,000	2,957,322,000		3,150,608,000	3,053,712,000	2,539,123,000	2,361,900,000	2,238,005,000	2,098,000,000
investment securities — held-to-maturity, net of allowance for credit losses															1,251,007,000	1,366,781,000	499,265,000
accumulated other comprehensive income															-307,455,000	-215,905,000	-104,557,000		26,003,000	29,119,000	19,449,000	38,345,000	39,007,000	20,971,000		14,768,000						3,889,000	6,442,000	1,010,000		8,304,000	10,937,000	6,465,000		8,114,000	5,884,000	10,080,000	7,009,000	5,336,000	4,686,000	511,000	-4,140,000	-1,364,000	1,981,000	10,643,000		11,911,000	10,138,000	7,448,000	8,004,000	8,786,000	5,545,000	980,000	301,000	6,171,000	3,543,000	984,000		1,554,000						581,000
core deposit and other intangibles																63,410,000	23,624,000		26,466,000	27,886,000	29,307,000	32,149,000	33,569,000	35,055,000		39,723,000	41,310,000	44,484,000	46,101,000	47,726,000		50,982,000	21,019,000	21,885,000		19,073,000	19,835,000	20,598,000		18,828,000	19,816,000	20,916,000	20,925,000	21,004,000	19,984,000	21,131,000	22,298,000	9,655,000	10,457,000	11,259,000		9,792,000	10,486,000	11,180,000		9,325,000	10,030,000	10,734,000		8,402,000	6,406,000	6,989,000		5,160,000	5,622,000	6,084,000		7,009,000	7,471,000	7,934,000		8,141,000	8,580,000	9,019,000
investment securities – non- taxable																									379,232,000
investment securities – available-for-sale																										2,053,939,000	2,013,123,000	1,744,430,000	1,718,704,000	1,693,018,000		1,575,685,000	1,400,431,000	1,250,590,000		1,233,269,000	1,221,778,000	1,207,773,000		1,141,405,000	1,080,000,000	1,069,745,000	1,067,287,000	1,067,617,000	1,122,803,000	1,175,827,000	1,175,484,000	839,560,000	736,406,000	724,929,000
investment securities – held-to-maturity																												199,266,000	204,401,000	213,731,000		234,945,000	254,161,000	276,599,000		275,544,000	287,725,000	299,050,000		324,949,000	336,993,000	344,518,000	356,790,000	296,036,000	205,566,000	132,363,000	114,621,000	9,528,000
allowance for loan losses																										-106,066,000	-106,357,000	-110,191,000	-111,516,000	-110,212,000		-111,620,000	-80,138,000	-80,311,000		-76,370,000	-74,341,000	-72,306,000		-63,659,000	-60,258,000	-56,526,000	-55,011,000	-52,844,000	-51,173,000	-48,991,000	-43,815,000	-38,748,000	-41,450,000	-45,935,000		-54,440,000	-56,511,000	-51,014,000	-52,129,000	-54,508,000	-56,784,000	-53,591,000	-53,348,000	-43,784,000	-43,614,000	-42,845,000		-41,210,000	-41,804,000	-40,822,000		-36,372,000	-36,563,000	-37,075,000		-28,636,000	-28,112,000	-26,934,000		-25,952,000	-25,245,000
liabilities and shareholders’ equity
non-interest bearing liabilities
non-interest bearing deposits																															2,005,632,000				1,619,128,000				1,358,905,000
loans receivable not covered by loss share																																					6,964,716,000	6,792,170,000		5,900,175,000	5,499,028,000	4,929,989,000	4,817,314,000	4,583,015,000	4,133,109,000	4,126,564,000	4,194,437,000	2,378,838,000	2,339,242,000	2,309,146,000		2,076,248,000	2,035,487,000	2,046,108,000	1,760,086,000	1,826,373,000	1,812,718,000	1,849,302,000	1,892,374,000	1,955,263,000	1,965,489,000	1,959,666,000
loans receivable covered by fdic loss share																																					57,440,000	60,042,000		105,414,000	159,891,000	169,460,000	240,188,000	250,970,000	263,157,000	270,641,000	282,516,000	308,072,000	329,802,000	358,669,000		407,416,000	432,422,000	455,435,000	481,739,000	511,326,000	548,236,000	566,463,000	575,776,000	408,239,000	218,283,000	225,885,000
foreclosed assets held for sale not covered by loss share																																					17,573,000	19,657,000		18,204,000	16,539,000	17,402,000	16,951,000	19,367,000	20,960,000	23,484,000	29,869,000	14,158,000	15,985,000	18,861,000		14,942,000	14,481,000	14,634,000	16,660,000	16,541,000	19,855,000	17,877,000	11,626,000	12,695,000	11,638,000	17,610,000
foreclosed assets held for sale covered by fdic loss share																																					205,000	545,000		2,612,000	4,472,000	6,309,000	7,871,000	13,513,000	17,196,000	20,201,000	20,999,000	24,320,000	27,073,000	29,928,000		31,799,000	35,008,000	39,744,000	35,178,000	32,183,000	21,941,000	21,079,000	21,568,000	18,563,000	7,420,000	8,672,000
fdic indemnification asset																																					8,130,000	8,656,000		11,290,000	15,874,000	19,435,000	28,409,000	42,104,000	56,626,000	73,348,000	89,611,000	101,192,000	116,071,000	126,275,000		153,758,000	162,439,000	181,884,000	193,856,000	201,211,000	211,383,000	224,075,000	227,258,000	176,844,000	83,262,000	88,274,000
liabilities:
earning assets
investment securities—taxable																																																			580,826,000
investment securities—non-taxable																																																			158,231,000
interest-bearing transaction and savings deposits																																																			1,501,093,000												684,234,000				591,874,000				591,874,000				530,219,000
investment securities – available for sale																																																				755,197,000		759,959,000												334,916,000			383,285,000
investment securities—available for sale																																																					712,820,000		671,221,000
core deposit and intangibles																																																							8,620,000				11,447,000																	9,897,000	10,336,000
demand and non-interest bearing																																																							464,581,000				392,622,000
preferred stock; 0.01 par value...																																																												49,411,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at december 31, 2010
retained (deficit) earnings																																																							40,130,000				-6,079,000
investment securities — available for sale																																																								610,522,000	541,534,000	510,019,000	469,864,000	380,717,000	346,621,000	362,710,000		315,269,000	309,989,000			381,564,000		403,755,000		447,826,000	458,782,000	476,534,000		509,203,000	515,063,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; zero shares issued or outstanding at september 30, 2011; 50,000 shares issued and outstanding at december 31, 2010.
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at june 30, 2011 and december 31, 2010																																																									49,547,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at march 31, 2011 and december 31, 2010																																																										49,502,000
mortgage servicing rights																																																														872,000		1,308,000	1,526,000	1,744,000		2,039,000	2,186,000	2,333,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at december 31, 2010 and december 31, 2009																																																											49,456,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at june 30, 2010 and december 31, 2009.																																																													49,366,000
investments in unconsolidated affiliates																																																														1,424,000		1,424,000	1,424,000	1,424,000		1,424,000	1,424,000	1,424,000		14,982,000	14,836,000	12,336,000		12,609,000	12,634,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at march 31, 2010 and december 31, 2009.																																																														49,320,000
investment securities — taxable																																																															279,152,000				371,893,000								427,696,000
investment securities — non-taxable																																																															112,724,000				98,539,000								91,232,000
shareholders’ equity																																																															287,827,000				240,556,000				240,556,000				196,014,000
total liabilities and shareholders’ equity																																																															2,584,940,000				2,233,345,000				2,233,345,000				2,030,518,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at september 30, 2009; no shares issued and outstanding at december 31, 2008																																																																49,230,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at june 30, 2009; no shares issued and outstanding at december 31, 2008.																																																																	49,185,000
series a fixed rate cumulative perpetual; liquidation preference of 1,000 per share; 50,000 shares issued and outstanding at march 31, 2009; no shares issued and outstanding at december 31, 2008.																																																																		49,139,000
investment securities - taxable																																																																							371,893,000
investment securities — non- taxable																																																																							98,539,000
preferred stock a, par value 0.01 in 2006 and 2005; 2,500,000 shares authorized in 2006 and 2005; 0 and 2,076,195 shares issued and outstanding in 2006 and 2005, respectively
preferred stock b, par value 0.01 in 2006 and 2005; 3,000,000 shares authorized in 2006 and 2005; 0 and 169,079 shares issued and outstanding in 2006 and 2005, respectively
preferred stock a, par value 0.01 in 2006 and 2005; 2,500,000 shares authorized in 2006 and 2005; 2,090,812 and 2,076,195 shares issued and outstanding in 2006 and 2005, respectively																																																																													21,000
preferred stock b, par value 0.01 in 2006 and 2005; 3,000,000 shares authorized in 2006 and 2005; 169,760 and 169,079 shares issued and outstanding in 2006 and 2005, respectively																																																																													2,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-09-30	2020-06-30	2020-03-31	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	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31	2006-09-30	2006-06-30

operating activities
net income	118,209,000	118,225,000	123,604,000	118,403,000	115,209,000	100,564,000	100,038,000	101,530,000	100,109,000	86,243,000	98,453,000	105,271,000	102,962,000	115,687,000	108,705,000	15,978,000	64,892,000	73,357,000	74,992,000	79,070,000	91,602,000	69,320,000	62,827,000	507,000	72,164,000	71,350,000	80,284,000	76,025,000	73,064,000	23,309,000	14,821,000	50,097,000	46,856,000	48,590,000	43,620,000	43,509,000	41,427,000	37,433,000	35,741,000	33,906,000	31,119,000	29,926,000	27,371,000	28,429,000	27,337,000		18,363,000	17,659,000	17,548,000	16,939,000	16,095,000	15,490,000	14,498,000	11,686,000	6,245,000	19,496,000	12,932,000	7,278,000	15,050,000	9,822,000	4,761,000	11,440,000	7,152,000
adjustments to reconcile net income to net cash from operating activities:
depreciation & amortization	7,456,000		7,428,000	7,128,000	7,190,000		7,280,000	7,364,000	7,350,000		7,901,000	7,054,000	7,722,000		8,066,000	10,388,000	5,092,000	5,024,000	4,922,000	4,807,000	4,728,000	4,724,000	5,762,000	4,750,000	4,908,000	4,939,000
decrease in value of equity securities	1,248,000					-850,000	-1,392,000	274,000	-1,003,000	-5,024,000	-4,507,000	-783,000	11,408,000	-1,032,000								1,350,000
increase in value of equity method investments	-1,321,000		-1,750,000	-4,063,000	-4,895,000
increase in value of foreclosed assets					-1,253,000
amortization of securities	2,985,000		3,323,000	3,198,000	3,347,000		3,511,000	3,746,000	3,826,000		4,222,000	4,384,000	3,835,000		4,450,000	6,115,000	6,759,000	7,498,000	7,325,000	7,075,000	6,618,000	5,776,000	4,580,000	3,936,000	3,810,000	3,355,000
accretion of purchased loans	-1,061,000		-1,272,000	-1,233,000	-1,378,000		-1,878,000	-1,873,000	-2,772,000		-2,431,000	-2,660,000	-3,172,000		-4,578,000	-5,177,000	-3,089,000	-4,001,000	-4,868,000	-5,797,000	-5,485,000	-6,957,000	-7,036,000	-7,647,000	-9,240,000	-9,055,000
share-based compensation	3,213,000	2,613,000	2,653,000	2,656,000	2,800,000	2,504,000	2,495,000	1,948,000	2,275,000	2,198,000	2,235,000	2,334,000	2,507,000	2,290,000	2,394,000	2,338,000	2,111,000	2,208,000	2,247,000	2,276,000	2,117,000	1,472,000	2,481,000	2,482,000	2,685,000	2,844,000	2,621,000	1,847,000	2,037,000	1,729,000	1,549,000	1,572,000	1,855,000	1,370,000	2,446,000	1,385,000	1,427,000	1,143,000	1,563,000	698,000	521,000	454,000	479,000	502,000	638,000	358,000	345,000	358,000	237,000	420,000	265,000	116,000	116,000	-16,000	-50,000	354,000	236,000	117,000	340,000	222,000	109,000	303,000	205,000
gain on assets	-712,000		-166,000				-263,000	-2,157,000	-207,000		-97,000	-1,236,000	-146,000		-45,000	-11,000	-589,000	-1,510,000	-651,000	-1,745,000	-591,000	-443,000	-289,000	-700,000
provision for credit losses - loans	1,500,000		6,700,000				18,200,000	8,000,000	5,500,000		2,800,000	2,300,000	1,200,000
recovery of credit losses - unfunded commitments	-1,000,000
deferred income tax effect	8,166,000		2,229,000	-1,007,000	6,437,000		-2,954,000	2,073,000	1,567,000		2,116,000	-1,431,000	176,000		8,974,000	-21,025,000	2,380,000		3,625,000	16,389,000	-13,078,000	-834,000	2,777,000	-32,809,000	5,546,000	9,214,000	1,393,000	9,202,000	3,998,000	49,951,000	-13,187,000	-4,810,000	2,130,000	239,000	6,879,000	5,063,000	524,000	5,730,000	-2,426,000	214,000	3,650,000	2,946,000	5,189,000	7,039,000	3,524,000	14,579,000	2,770,000	-157,000	6,968,000	1,672,000	-3,711,000	1,829,000	-224,000
increase in cash value of life insurance	-1,368,000		-1,404,000	-1,415,000	-1,842,000		-1,161,000	-1,279,000	-1,195,000		-1,170,000	-1,211,000	-1,104,000		-1,089,000	-1,140,000	-492,000	-501,000	-509,000	-537,000	-502,000	-548,000	-558,000	-560,000	-740,000	-736,000	-735,000	-730,000	-654,000	-738,000	-478,000	-463,000	-310,000	-320,000	-344,000	-353,000	-395,000	-328,000	-268,000	-295,000	-308,000	-319,000	-322,000	-281,000	-288,000	-235,000	-203,000	-218,000	-180,000	-202,000	-200,000	-214,000	-257,000	-1,051,000	-477,000	-1,642,000	-1,098,000	-585,000	-1,822,000	-1,215,000	-598,000	-161,000	-106,000
originations of mortgage loans held for sale	-156,716,000		-191,384,000	-210,193,000	-139,120,000		-177,851,000	-170,109,000	-119,379,000		-152,481,000	-122,466,000	-90,465,000		-123,739,000	-168,126,000	-140,724,000	-183,506,000	-205,901,000	-191,431,000	-202,455,000	-230,151,000	-239,398,000	-137,945,000	-112,328,000	-82,654,000	-86,904,000	-98,980,000	-72,636,000	-89,610,000	-61,030,000	-104,227,000	-78,691,000	-92,517,000	-89,802,000	-103,230,000	-68,932,000	-71,802,000	-79,797,000	-79,656,000	-49,603,000	-58,214,000	-62,516,000	-60,017,000	-47,372,000	-60,479,000	-101,230,000	-20,197,000	-46,476,000	-49,516,000	-58,870,000	-46,145,000	-28,232,000	-113,130,000	-59,049,000	-106,723,000	-73,730,000	-34,959,000	-74,654,000	-48,679,000	-17,609,000	-67,353,000	-45,305,000
proceeds from sales of mortgage loans held for sale	158,832,000		182,290,000	164,068,000	129,068,000		175,167,000	176,006,000	126,012,000		148,599,000	100,266,000	66,655,000		174,753,000	104,722,000	139,101,000	192,676,000	213,669,000	215,116,000	203,936,000	222,129,000	209,579,000	139,915,000	111,073,000	64,345,000	86,871,000	95,779,000	80,250,000	94,717,000	57,378,000	109,162,000	84,244,000	79,462,000	88,912,000	91,566,000	77,188,000	72,310,000	77,728,000	70,924,000	51,145,000	62,271,000	55,235,000	57,705,000	50,288,000	47,267,000	104,350,000	12,260,000	46,307,000	46,307,000	55,801,000	39,429,000	29,530,000	105,492,000	55,132,000	105,351,000	72,684,000	34,062,000	72,516,000	45,543,000	15,619,000	67,965,000	43,721,000
changes in assets and liabilities:
accrued interest receivable	2,311,000		-2,970,000	8,251,000	4,146,000		2,113,000	-1,955,000	-63,000		-9,880,000	1,674,000	459,000		-8,397,000	-1,765,000	217,000	1,841,000	148,000	6,770,000	5,033,000	7,675,000	-29,979,000	-4,979,000	1,296,000	-1,343,000	-3,227,000	503,000	347,000	-4,637,000	-1,538,000	-32,000	-244,000	-1,440,000	-850,000	285,000	299,000	-713,000	-2,530,000	-905,000	533,000	-136,000	-1,808,000	1,018,000	1,079,000	1,786,000	149,000	-57,000	1,938,000	-1,433,000	-38,000	1,011,000	-294,000	275,000	265,000	1,682,000	1,524,000	837,000	-1,450,000	-1,111,000	-595,000	-2,736,000	-1,429,000
other assets	1,099,000		4,432,000	-5,508,000	-28,578,000		-2,406,000	-2,853,000	-21,169,000		1,416,000	-8,610,000	-99,000		-1,103,000	451,000	-1,518,000	-2,135,000	-1,225,000	-8,827,000	13,943,000	3,144,000	-9,864,000	1,443,000	-23,669,000	7,738,000	4,938,000																									7,293,000	20,344,000	-4,044,000	-1,652,000	-4,107,000	-2,082,000	-2,958,000	-5,015,000	-3,586,000	-3,046,000	-9,568,000	-6,032,000
accrued interest payable and other liabilities	7,994,000		-12,453,000	-4,150,000	26,074,000		7,047,000	-11,334,000	47,692,000		3,441,000	-39,461,000	16,010,000		-4,467,000	9,995,000	17,471,000	147,000	-4,694,000	-25,832,000	21,000,000	-21,610,000	22,616,000	36,069,000	-17,114,000	10,275,000	14,535,000	1,126,000	12,886,000	4,403,000	-7,074,000	-31,374,000	3,012,000	16,742,000	-2,685,000	-21,680,000	18,608,000	-6,925,000	4,088,000	966,000	26,522,000	3,492,000	2,001,000	2,318,000	14,847,000	-41,486,000	-2,782,000	4,791,000	3,372,000	-7,035,000	8,980,000	-11,266,000	-210,000	9,140,000	5,537,000	-1,996,000	-3,990,000	3,474,000	918,000	-245,000	786,000	3,916,000	2,696,000
net cash from operating activities	150,835,000	39,865,000	115,164,000	78,398,000	117,014,000	-88,477,000	128,616,000	109,381,000	147,543,000	53,150,000	99,117,000	47,108,000	117,948,000	-70,013,000	166,552,000	13,129,000	89,486,000	87,945,000	89,019,000	91,332,000	121,084,000	69,047,000	34,020,000	97,103,000	39,819,000	79,746,000	75,132,000	77,260,000	103,079,000	75,816,000	17,601,000	20,614,000	62,879,000	53,975,000	66,741,000	21,270,000	76,058,000	73,821,000	21,300,000	35,783,000	74,159,000	58,547,000	42,597,000	67,576,000	76,675,000	-9,404,000	29,137,000	41,286,000	52,018,000	15,546,000	53,103,000	11,097,000	37,933,000	16,644,000	7,814,000	19,579,000	11,083,000	6,714,000	10,535,000	4,294,000	1,043,000	9,642,000	4,684,000
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	0	0	0	0
free cash flows	150,835,000	39,865,000	115,164,000	78,398,000	117,014,000	-88,477,000	128,616,000	109,381,000	147,543,000	53,150,000	99,117,000	47,108,000	117,948,000	-70,013,000	166,552,000	13,129,000	89,486,000	87,945,000	89,019,000	91,332,000	121,084,000	69,047,000	34,020,000	97,103,000	39,819,000	79,746,000	75,132,000	77,260,000	103,079,000	75,816,000	17,601,000	20,614,000	62,879,000	53,975,000	66,741,000	21,270,000	76,058,000	73,821,000	21,300,000	35,783,000	74,159,000	58,547,000	42,597,000	67,576,000	76,675,000	-9,404,000	29,137,000	41,286,000	52,018,000	15,546,000	53,103,000	11,097,000	37,933,000	16,644,000	7,814,000	19,579,000	11,083,000	6,714,000	10,535,000	4,294,000	1,043,000	9,642,000	4,684,000
investing activities
net increase in federal funds sold	-3,025,000				-2,550,000				-100,000		-2,375,000																									6,525,000	-5,500,000				-5,850,000			22,075,000	-18,650,000			375,000	14,298,000		-1,200,000	800,000	-275,000
net decrease in loans	47,238,000						-43,428,000																			108,733,000																												-23,559,000	-16,410,000	-178,195,000	-155,154,000	-68,912,000	-149,066,000	-108,201,000	-57,088,000	-185,106,000	-123,604,000
purchases of investment securities – available-for-sale	-25,802,000		-60,595,000				-57,543,000				-4,500,000				-545,419,000	-518,132,000	-137,261,000	-162,898,000	-258,847,000	-669,602,000	-299,058,000	-353,795,000	-308,026,000	-157,808,000	-151,282,000	-107,453,000	-125,996,000	-113,039,000	-141,812,000	-170,153,000	-130,954,000	-185,159,000	-206,216,000	-6,475,000	-95,773,000	-83,373,000	-67,837,000	-132,924,000	-123,691,000	-72,600,000	-53,416,000	4,087,000	-5,633,000	-1,739,000	-72,171,000	-64,750,000	-145,453,000	-76,861,000	-76,991,000
proceeds from maturities of investment securities – available-for-sale	73,110,000		102,789,000	105,003,000	107,669,000		216,532,000	73,031,000	73,448,000		96,789,000	76,892,000	330,539,000		124,976,000	196,377,000	136,938,000	165,161,000	150,408,000	161,029,000	175,805,000	223,229,000	195,197,000	137,960,000	133,176,000	82,410,000	86,392,000	79,729,000	86,674,000	63,495,000	50,938,000	30,232,000	39,615,000	66,618,000	77,647,000	73,421,000	66,706,000	118,095,000	64,332,000	53,121,000	54,958,000	40,922,000	73,699,000	60,597,000	78,333,000	66,595,000	35,671,000	49,447,000	74,495,000
proceeds from maturities of investment securities – held-to-maturity	2,765,000		2,189,000	4,676,000	5,319,000		1,815,000	1,795,000	1,444,000		1,725,000	1,280,000	1,378,000		250,459,000												4,959,000	9,149,000	10,899,000	10,018,000	19,087,000	21,646,000	7,411,000	16,814,000	11,786,000	11,050,000	9,581,000	15,384,000	11,531,000	11,007,000	14,205,000	10,280,000	4,232,000	3,127,000	4,835,000
redemption of other investments	2,255,000
purchases for improvements to foreclosed assets	-161,000		-178,000
proceeds from sale of foreclosed assets	1,459,000		1,360,000	785,000	6,229,000
proceeds from sale of sba loans	1,285,000		690,000	0	4,308,000		1,987,000	637,000	2,949,000		1,117,000	0	2,337,000		886,000	0	2,859,000	8,394,000	4,361,000			0	0	4,057,000	4,616,000	4,645,000	883,000	4,218,000	2,837,000	0	3,237,000	6,223,000	4,170,000	10,498,000	6,179,000			6,096,000								0	1,493,000	0	592,000	0	3,250,000
purchases of premises and equipment	-11,579,000		-2,915,000	-7,998,000	-6,884,000	24,056,000	-12,375,000	-10,220,000	-1,682,000		-5,349,000	974,000	-2,404,000		2,438,000	-4,529,000	-2,067,000	-2,217,000	-1,813,000	-3,099,000	-3,153,000	-4,003,000	-1,734,000	-4,545,000	-2,432,000	-2,855,000	-1,648,000	519,000	-3,941,000	-808,000	-1,958,000	3,211,000	-5,636,000	273,000	-2,921,000	942,000	-1,376,000	-3,978,000	1,117,000	-2,634,000	-5,041,000	3,613,000	-176,000			-2,765,000	-1,293,000	-3,411,000	-5,246,000	-5,242,000	-5,946,000	-1,164,000	-1,166,000	-969,000	-499,000	-3,479,000	-2,384,000	-1,429,000	-12,923,000	-9,656,000	-4,491,000	-5,900,000	-3,048,000
proceeds from sale of premises and equipment	1,468,000		2,726,000	8,836,000	2,913,000
net cash from investing activities	89,013,000	105,558,000	-52,291,000	-82,514,000	-57,579,000	132,177,000	104,502,000	-208,483,000	-24,981,000	-677,286,000	-1,808,000	299,476,000	381,140,000	590,341,000	-291,831,000	586,034,000	-716,414,000	55,396,000	181,742,000	45,046,000	342,476,000	152,996,000	-647,322,000	-515,911,000	-74,909,000	87,818,000	64,960,000	-588,946,000	-29,583,000	-164,895,000	42,311,000	-106,346,000	-126,540,000	-121,805,000	-108,748,000	-150,966,000	-219,507,000	-228,421,000	-394,717,000	-558,045,000	428,974,000	-71,254,000	-238,137,000	11,404,000	50,785,000	199,884,000	-147,199,000	-22,627,000	54,108,000	199,715,000	-60,483,000	99,602,000	123,466,000	-2,401,000	-4,712,000	-115,055,000	-68,624,000	-24,728,000	-81,201,000	-52,663,000	-6,409,000	-193,085,000	-122,747,000
financing activities
net increase in deposits	258,318,000		-160,736,000	-53,059,000	395,194,000			89,673,000	78,419,000				-493,317,000		-1,037,809,000	-856,072,000	320,364,000		112,030,000	378,747,000	786,804,000	-240,470,000	1,663,022,000	236,531,000	279,864,000	167,674,000																												-15,843,000	-11,461,000	141,728,000	130,460,000	83,395,000	-8,623,000	35,819,000	21,066,000	130,425,000	92,099,000
net increase in securities sold under agreements to repurchase	1,606,000				-949,000		41,420,000	-38,111,000	34,022,000		-229,000						10,265,000	-116,000				-4,411,000	35,974,000	-16,843,000		8,560,000	2,396,000	-10,565,000	2,526,000	-1,742,000	-10,373,000	9,948,000	2,503,000	11,940,000	-1,722,000	-10,834,000	-6,483,000	-5,753,000	-16,604,000	-27,869,000	2,150,000	15,570,000	16,293,000	7,078,000	-23,460,000	6,301,000	-2,154,000	-3,733,000	10,916,000	399,000	-5,121,000	-5,911,000	10,212,000	-48,157,000	-38,911,000	-12,222,000	-3,707,000	-5,983,000	12,182,000	8,567,000	9,510,000	12,621,000	18,108,000
decrease in fhlb and other borrowed funds			0	-50,000,000	-250,000		-300,000	0	-1,400,250,000
proceeds from exercise of stock options		0	0	75,000	527,000	647,000	699,000	-1,000	671,000	371,000	70,000	275,000	86,000	0	0	26,000	130,000	52,000	0	0	2,322,000	0	0	422,000			319,000	38,000	900,000	233,000	203,000	544,000	102,000	142,000	189,000	21,000	1,143,000	176,000	96,000	110,000	7,000	366,000	111,000	48,000	49,000	155,000	197,000	-47,000	126,000					301,000	39,000	196,000	68,000	23,000	276,000	237,000	123,000	456,000	319,000
repurchase of common stock	-13,893,000	-14,906,000	-10,021,000	-27,477,000	-29,816,000	-2,457,000	-26,995,000	-32,889,000	-24,152,000	-17,764,000	-5,658,000	-11,809,000	-13,540,000	-19,987,000	-24,288,000	-22,492,000	-4,089,000	-7,478,000	-11,279,000	-16,953,000	-8,770,000	0	0	-23,857,000	-12,687,000	-51,685,000	-28,175,000	-7,881,000	-7,114,000	-1,287,000	-9,258,000			-975,000	0	0	-8,842,000	0	0	0	-2,015,000									-6,989,000	-449,000	-905,000	-5,206,000
dividends paid on common stock	-41,293,000		-39,405,000	-39,492,000	-38,758,000		-38,888,000	-36,112,000	-36,227,000		-36,458,000	-36,495,000	-36,649,000		-33,811,000	-33,930,000	-27,043,000	-22,939,000	-22,971,000	-23,078,000	-23,154,000	-21,477,000	-21,469,000	-21,608,000	-21,829,000	-20,364,000	-20,924,000	-19,071,000	-19,126,000	-19,099,000	-15,711,000	-12,901,000	-12,662,000	-12,641,000	-12,635,000	-12,283,000	-10,537,000	-10,519,000	-10,166,000	-8,448,000	-8,447,000	-6,754,000	-6,646,000	-4,885,000	-4,885,000	-4,880,000	-4,219,000	-4,217,000	-3,655,000	-7,292,000	-3,383,000	-2,812,000	-2,828,000
net cash from financing activities	204,738,000	-170,968,000	-363,026,000	-190,541,000	325,948,000	4,634,000	-274,157,000	-17,440,000	52,483,000	985,819,000	-220,421,000	-423,447,000	-535,824,000	1,617,551,000	-1,110,676,000	-1,402,245,000	596,071,000	226,718,000	68,242,000	326,327,000	751,200,000	-394,362,000	1,257,523,000	499,642,000	29,922,000	-263,033,000			-198,828,000	172,692,000	31,920,000	129,131,000	264,101,000	-11,681,000	152,773,000	157,018,000	45,698,000	181,767,000	397,662,000	529,102,000	-418,090,000	-12,248,000	189,471,000	-149,987,000	-78,435,000	-137,287,000	57,679,000	-148,292,000	-35,624,000	-139,035,000	-195,521,000	-98,407,000	535,000	-22,327,000	-6,849,000	101,190,000	68,280,000	22,683,000	60,010,000	42,210,000	6,626,000	184,811,000	125,306,000
net change in cash and cash equivalents	444,586,000		-300,153,000	-194,657,000	385,383,000		-41,039,000	-116,542,000	175,045,000		-123,112,000	-76,863,000	-36,736,000		-1,235,955,000	-803,082,000	-30,857,000	370,059,000	339,003,000	462,705,000	1,214,760,000	-172,319,000	644,221,000	80,834,000	-5,168,000	-95,469,000	36,314,000	-14,858,000	-125,332,000	83,613,000	91,832,000	43,399,000	200,440,000	-79,511,000	110,766,000	27,322,000	-97,751,000	27,167,000	24,245,000	6,840,000	85,043,000	-24,955,000	-6,069,000	-71,007,000	49,025,000	53,193,000	-60,383,000	-129,633,000	70,502,000	76,226,000	-202,901,000	12,292,000	161,934,000	-8,084,000	-3,747,000	5,714,000	10,739,000	4,669,000	-10,656,000	-6,159,000	1,260,000
cash and cash equivalents – beginning of year	667,337,000		0	0	910,347,000		0	0	1,000,213,000		0	0	724,790,000		0	0	3,650,315,000	0	0	0	1,263,788,000	0	0	490,601,000	0	657,939,000	0	0	635,933,000	0	0	0	216,649,000	0	0	0	255,823,000	0	0	0	112,528,000	0	0	0	165,534,000	0	0	0	231,855,000				184,304,000		54,168,000		55,021,000
cash and cash equivalents – end of period	1,111,923,000		-300,153,000	-194,657,000	1,295,730,000		-41,039,000	-116,542,000	1,175,258,000		-123,112,000	-76,863,000	688,054,000		-1,235,955,000	-803,082,000	3,619,458,000		339,003,000	462,705,000	2,478,548,000	-172,319,000	644,221,000	571,435,000	-5,168,000	562,470,000	36,314,000	-14,858,000	510,601,000		91,832,000	43,399,000	417,089,000		110,766,000	27,322,000	158,072,000		24,245,000	6,840,000	197,571,000		-6,069,000	-71,007,000	214,559,000		-60,383,000	-129,633,000	302,357,000				346,238,000		50,421,000		65,760,000
cash flows from operating activities
items not requiring (providing) cash
depreciation																											2,915,000	2,924,000	3,317,000	3,361,000	2,998,000	2,962,000	2,674,000	2,562,000	2,630,000	2,730,000	2,722,000	2,568,000	2,537,000	2,556,000	2,635,000	2,624,000	2,504,000	2,465,000	2,523,000	2,317,000	1,696,000	1,602,000	1,610,000	1,530,000	1,504,000	1,503,000	1,453,000	2,653,000	1,301,000	4,093,000	2,753,000	1,388,000	3,342,000	2,158,000	1,065,000	3,416,000	2,282,000
accretion
loss on assets					251,000																					-526,000		-4,230,000	1,962,000	-2,503,000	1,659,000	-2,546,000	-833,000																					160,000	110,000	2,400,000	2,398,000	281,000
write down of fixed assets
gain on retirement of subordinated debt
equity in undistributed income of subsidiaries
changes in other assets
changes in other liabilities
cash flows from investing activities
proceeds from sale of branches, equipment, and other assets
purchase of loans
purchases of equity securities		-1,070,000	0											0	-20,000,000	-26,258,000	-3,717,000	-2,816,000	0	0	-10,460,000	0
proceeds from sale of equity securities
proceeds from maturities of other investments
cash flows from financing activities
retirement of subordinated debentures		0												0	0																															0	0	0	-25,000,000	733,000
dividends paid																																																								-3,126,000	-1,925,000	-916,000	-1,723,000	-1,033,000	-430,000	-1,275,000	-796,000
increase in cash and cash equivalents
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
increase in value of equity securities			-1,020,000	238,000	-442,000											1,801,000	-2,125,000	-85,000	-61,000	-1,250,000	-5,782,000
gain on repurchase of subordinated debentures
recovery of credit losses - investment securities
net decrease in federal funds sold			-1,025,000																						625,000	-1,375,000	0	1,325,000	22,284,000	-19,564,000	-3,030,000	1,700,000	-150,000																					-23,940,000	-7,645,000	-25,481,000	-4,570,000	-34,465,000	-2,142,000	-1,179,000	-1,682,000	-24,026,000	-4,047,000
net increase in loans			-99,463,000	-183,352,000	-177,767,000
redemption (purchase) of other investments			1,508,000	6,968,000	3,184,000
return (purchase) of investment on cash value of life insurance			623,000
increase in fhlb and other borrowed funds							0	0	1,400,000,000
net decrease in securities sold under agreements to repurchase													7,596,000		2,982,000					-12,389,000	-6,002,000
return of investment on cash value of life insurance									280,000		904,000							0	0	0	418,000	0	1,230,000	46,028,000			0			0	0	0	592,000					0	0	0	27,000
amortization																												5,276,000	5,127,000	5,551,000	4,389,000	3,974,000	3,724,000
net cash proceeds from happy bancshares, inc.
redemptions of other investments																					-50,000	9,989,000
proceeds from the issuance of subordinated debentures
redemption of trust preferred securities														0	-17,630,000
(recovery of) provision for credit losses - investment securities
proceeds from sales of equity securities											0				0	0	13,778,000	1,027,000	0	0	15,354,000
purchase of other investments							1,413,000				-1,664,000				-10,357,000	-15,927,000	-11,940,000
proceeds from foreclosed assets held for sale							537,000	632,000	306,000		369,000	320,000	157,000		357,000	910,000	964,000	1,027,000	1,150,000	1,819,000	3,603,000	2,496,000	2,509,000	2,471,000	1,817,000	3,713,000	7,360,000	6,993,000	3,391,000	5,419,000	3,644,000	3,506,000	6,165,000	2,854,000	3,698,000	4,100,000	3,326,000	-981,000	5,774,000	7,892,000	8,243,000	11,722,000	9,353,000	11,330,000	13,624,000	32,255,000	12,310,000	6,062,000	8,980,000	13,462,000	7,225,000	14,637,000	3,482,000	1,406,000	673,000	826,000	697,000	62,000	548,000	371,000	110,000	1,626,000	1,283,000
proceeds from sales of premises and equipment							1,989,000
(purchase of) return of investment on cash value of life insurance							0
net decrease in deposits											-478,146,000
provision for credit losses - investment securities											0
(recovery of) provision for credit losses - unfunded commitments									-1,000,000
net decrease in loans, excluding purchased loans									-99,450,000		-88,824,000	226,435,000	43,894,000		41,799,000	-152,373,000	25,579,000												-10,724,000		-86,313,000	208,000	-29,229,000
(purchase) redemption of other investments									-2,176,000										-2,886,000
purchases of investment securities - held-to-maturity															-134,592,000	-2,952,000	-498,930,000
purchase of marine loan portfolio															0	0	-242,617,000
net cash received - market acquisition															45,000
net increase in fhlb and other borrowed funds											300,000,000																53,901,000	194,889,000	-184,127,000	254,855,000	-87,996,000	-355,562,000	93,328,000		39,480,000	44,656,000	-69,712,000											-118,000	-19,000	-13,397,000	-10,017,000			-5,335,000	-5,148,000	-9,113,000	-48,744,000	-37,447,000	74,260,000	23,687,000	-23,926,000	54,063,000	23,265,000
proceeds from issuance of subordinated debentures															-120,000	0	296,444,000
provision for credit losses - unfunded commitments
purchase (redemption) of other investments													5,239,000
provision for credit losses - acquired loans & unfunded commitments
provision for credit losses - acquired held-to-maturity investment securities															0
proceeds from sales of investment securities – available-for-sale																			0	0	18,112,000
net decrease in fhlb and other borrowed funds															0							-128,004,000	-420,004,000	329,997,000		-367,218,000
provision for credit losses - acquired loans
provision for credit losses - acquired unfunded commitments
benefit from credit losses																						14,000,000	11,441,000	86,823,000
benefit from credit losses - unfunded commitments																		0	0
deferred income taxes
net decrease in loans, excluding loans acquired
proceeds from sale of investment securities – available-for-sale																											255,000	0	809,000	4,364,000	1,234,000	11,596,000	15,538,000	84,936,000	0	844,000	1,377,000	3,103,000	0	927,000	4,000					282,284,000	-111,000
(purchases) redemptions of other investments
net cash proceeds paid – market acquisitions
net increase in deposits, excluding deposits acquired																											-111,295,000	339,418,000	8,113,000	-60,268,000	155,685,000	200,181,000	181,025,000	102,134,000	127,345,000	135,429,000	139,010,000	13,523,000	74,978,000	-24,189,000	10,680,000	12,467,000	-182,086,000	-146,501,000	-54,536,000	11,727,000
net increase in federal funds purchased																																																								-16,407,000	-7,922,000	-16,407,000	-16,580,000	-25,270,000	180,000	-44,495,000	-34,490,000
cash and cash equivalents – end of year
net decrease (increase) in loans, excluding purchased loans																			289,369,000	547,572,000	441,905,000
net cash paid – market acquisitions																						0	0	-421,211,000
net decrease in federal funds purchased																						0	0	-5,000,000
net increase in loans, excluding purchased loans																						275,080,000	-536,292,000	-111,479,000			85,183,000
decrease (increase) in value of equity securities																								5,818,000
purchases of other investments																								-11,384,000
gain on acquisitions																														0	0	0	-3,807,000					0	0	0	-1,635,000
provision for loan losses																											0	2,722,000	1,600,000	4,926,000	35,023,000	387,000	3,914,000																										2,047,000	1,500,000	820,000	1,723,000	1,074,000
purchases of investment securities – held-to-maturity																														-62,000	-56,000	0	-163,000	-25,810,000				-1,000	-6,000	-4,016,000	-2,540,000	-71,464,000	-95,028,000	-76,540,000	-22,672,000	-9,516,000
proceeds from qualified sale of investment securities – held-to-maturity
redemptions (purchases) of other investments
net cash proceeds received – market acquisitions																														-3,000	186,482,000	0	41,363,000
common stock issuance costs – market acquisitions																														0	-630,000	0	-195,000									-116,000
investment amortization
proceeds from sale of investment securities – held-to-maturity																															0
net cash (paid) proceeds received – market acquisitions																											7,572,000
proceeds from issuance of subordinated notes																															0
net cash from used in financing activities																											-103,778,000
tax benefits from stock options exercised																																		-2,890,000	-116,000	-29,000	-1,119,000	-409,000	-113,000	-68,000	-15,000	-815,000	-214,000	-73,000	-123,000	-497,000	-291,000	-24,000	-24,000	-1,068,000	-88,000	-170,000	-51,000	-237,000	-25,000	-134,000	-50,000	-18,000	-218,000	-203,000	-103,000	187,000	131,000
indemnification and other assets																													-8,219,000	-14,643,000	-16,909,000	-4,088,000	-1,645,000	-2,113,000	3,463,000	-7,601,000	-5,269,000	21,138,000	-27,608,000	-3,409,000	-433,000	1,114,000	1,637,000	5,156,000	20,166,000	10,220,000	8,262,000	25,329,000	20,836,000	9,489,000
proceeds from sale of insurance book of business																																						0	0	0	2,938,000
cash (paid) on fdic loss share buy-out																																		0
amortization/																																				3,926,000	3,954,000				6,742,000			18,504,000	-2,334,000			-75,000	365,000		1,803,000	1,396,000	1,172,000
(gain) loss on assets																																				7,000	-53,000				-501,000			-1,304,000	-548,000			-835,000	-483,000		226,000	-508,000	88,000
benefit from loan losses																																				5,692,000	5,677,000				3,787,000			6,115,000	6,938,000						167,000
net increase in loans, excluding loans acquired																																				-165,708,000	-225,784,000				-14,456,000			-5,624,000	69,168,000
net cash proceeds (paid) received – market acquisitions																																									429,902,000
net increase in fhlb borrowed funds																																						183,991,000	349,245,000	589,430,000	-420,480,000	-34,596,000	361,800,000	-5,825,000	4,274,000	-150,510,000
disgorgement of profits																																										0	0
death benefits received																																													-1,682,000	0	0	0	540,000
net cash proceeds received – fdic-assisted acquisitions
net income available to all stockholders
repurchase of preferred stock and common stock warrant
dividends paid on preferred stock
net cash proceeds received in market acquisitions
net increase in loans net, excluding loans acquired																																																1,483,000	37,440,000		-22,872,000	31,924,000	72,037,000
net increase in deposits net, excluding deposits acquired																																																-140,201,000	-18,016,000	-114,816,000	-161,060,000
adjustments to reconcile net income to net cash fromoperating activities:
net decrease in loans net, excluding loans acquired
purchases of investment securities—available for sale																																																				-91,181,000	-162,878,000
proceeds from maturities of investment securities—available for sale																																																				141,394,000	70,981,000
proceeds from sale of investment securities—available for sale																																																				192,000	1,051,000
sale of mortgage servicing portfolio
net cash proceeds received in fdic-assisted acquisitions
proceeds from exercise of stock options plus issuance of bonus shares of unrestricted common stock																																																		1,260,000	153,000	151,000	394,000
cash and cash equivalents—beginning of year
cash and cash equivalents—end of year
purchases of investment securities – available for sale
proceeds from maturities of investment securities – available for sale
proceeds from sale of investment securities – available for sale
net cash proceeds received in vision acquisition																																																			0	0	140,234,000
proceeds from issuance of common stock
cash and cash equivalents—end of period
net increase in deposits, net of deposits acquired																																																					-2,064,000
net increase in fhlb and other borrowed funds, net of acquired																																																					-24,000
acquisition of centennial bancshares, inc., net funds received																																																						-3,100,000	-3,100,000	1,663,000	1,663,000	1,663,000
proceeds from issuance of preferred stock and common stock warrant																																																						50,000,000	50,000,000
purchases of investment securities — available for sale																																																						-35,765,000
proceeds from maturities of investment securities — available for sale																																																						60,554,000
proceeds from sale of investment securities — available for sale																																																						22,972,000
cash and cash equivalents — beginning of year																																																						54,168,000		55,021,000		55,021,000	59,700,000	59,700,000	59,700,000	44,679,000	44,679,000
cash and cash equivalents — end of period																																																						46,084,000		60,735,000		59,690,000	49,044,000	53,541,000	60,960,000	46,047,000	51,922,000
gain on sale of equity investment																																																								-6,102,000	-6,102,000	-6,102,000
equity in (income) loss of unconsolidated affiliates
proceeds from sale of investment in unconsolidated affiliate																																																								19,862,000	19,862,000	19,862,000
cash and cash equivalents — end of year
amortization/accretion																																																						1,421,000	658,000	1,873,000	1,314,000	667,000	1,378,000	802,000	305,000	1,861,000	1,281,000
deferred income tax benefit																																																						545,000	-1,181,000	-1,816,000	-1,117,000	-1,475,000	-1,788,000	-1,110,000	-597,000	-1,121,000	-852,000
net cash proceeds received in fdic assisted acquisitions
equity in loss of unconsolidated affiliates																																																								-102,000	-102,000	-102,000		170,000	114,000	213,000	148,000
purchases of investment securities — available-for-sale
proceeds from maturities of investment securities — available-for-sale
proceeds from sales of investment securities — available-for-sale
purchase of bank owned life insurance																																																											-3,497,000	-3,498,000
proceeds from common stock public offering
equity in income of unconsolidated affiliates
acquisition of centennial bancshares, inc., net of funds received
provision for loan loss																																																						3,750,000	1,000,000	6,952,000	5,513,000	4,809,000
proceeds from sale of loans																																																								2,751,000	1,904,000	1,904,000	2,957,000	2,957,000		540,000	540,000
dividends paid preferred stock																																																						-1,145,000	-201,000
dividends paid common stock																																																						-2,385,000	-1,192,000
purchases of investment securities available for sale																																																							-11,020,000	-156,508,000	-55,164,000	-9,275,000	-133,446,000	-118,933,000	-84,664,000	-88,944,000	-66,268,000
proceeds from maturities of investment securities available for sale																																																							33,289,000	223,506,000	124,522,000	65,862,000	218,993,000	188,101,000	141,406,000	110,725,000	74,397,000
items not requiring (providing) cash depreciation
loss on investment securities
other liabilities
investment in unconsolidated subsidiaries
capital contribution to subsidiaries
return of capital from subsidiaries
sale of equity investment
purchase of centennial bancshares, inc
proceeds from maturities of investment securities
purchase of investment securities
net proceeds from stock issuance
repayment of long-term borrowings
investments in unconsolidated affiliates																																																											-2,625,000	-2,625,000		-3,000,000	-3,000,000
purchase of subsidiaries
issuance of subordinated debentures
issuance of long-term borrowings
gain on sale of assets																																																											-232,000			-443,000	-282,000
equity in earnings of unconsolidated affiliates																																																											123,000
proceeds from sales of investment securities available for sale																																																														1,000,000	1,000,000
repayment of line of credit																																																														-14,000,000	-14,000,000
proceeds from initial public offering																																																														47,205,000	40,932,000
conversion of preferred stock a fractional shares																																																														-2,000
loss on sale of assets																																																												226,000	12,000
adjustments to reconcile net income to net cash from
operating activities:
proceeds from sale of investment in rbi
purchase of treasury stock
acquisition of financial institution, net funds disbursed
repurchase of stock
net change in cash and due from banks																																																														1,368,000	7,243,000

Home BancShares(NYSE:HOMB)

Home BancShares
(NYSE:HOMB)