Hope Bancorp, Inc
(NASDAQ:HOPE)

Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company accepts personal and business checking, money market, savings, time deposit, and individual retirement acco...

Website: http://www.bankofhope.com

Full Time Employees: 1,416

Sector: Financial Services

Industry: Banks-Regional

Share this website to your friends

• Market Cap:

• Exchange:

• Shs Outstanding:

• Employees:

• Beta:

• Return on Equity (ROE) ttm:

• Return on Assets (ROA) ttm:

• EPS ttm:

• Book value per Share:

• Cash per Share:

• Current ast per Share:

• P/E ttm:

• P/E forward:

• P/E ttm high:

• P/E ttm low:

• P/S ttm:

• P/B ttm:

• P/FCF ttm:

• PEG ratio:

• Cash Ratio ttm:

• Quick Ratio ttm:

• Current Ratio ttm:

• Gross Mgn ttm:

• EBITDA Mgn ttm:

• Operating Mgn ttm:

• Net Income Mgn ttm:

• Trailing Div yield:

• Forward Div yield:

• Payout Ratio ttm:

• Ex-Dividend date:

• Target Price High:

• Target Price Low:

• Target Price Mean:

• Number of Analysts:

• Debt Ratio ttm:

• Debt to Equity ttm:

• Total Net Debt:

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	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-06-30	2019-03-31	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-03-31	2015-06-30	2014-12-31	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-03-31	2008-12-31	2008-09-30	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-03-31	2003-09-30	2003-06-30	2003-03-31	2002-12-31	2002-06-30

interest income:
interest and fees on loans	205,919,000	213,965,000	216,859,000	211,441,000	194,961,000	203,828,000	210,022,000	209,683,000	213,626,000	221,020,000	229,937,000	225,671,000	215,935,000	207,958,000	175,078,000	145,024,000	132,672,000	133,821,000	132,794,000	131,823,000	129,736,000	132,117,000	134,430,000	134,190,000	154,230,000		158,627,000	158,136,000	137,943,000				112,132,000	77,118,000	71,249,000		33,085	34,088,000	33,444,000	33,510,000	33,348,000		31,672,000	35,308,000	37,801,000	40,148,000	37,200,000	34,601,000	32,400,000	31,517,717	29,086,825	25,559,134	22,038,324	19,742,019	17,662,880	4,880,016	13,073,545	12,494,291	11,467,559		10,391,314
interest on investment securities	19,218,000	21,107,000	21,467,000	17,769,000	15,892,000	16,930,000	16,741,000	16,829,000	18,049,000	18,398,000	17,006,000	15,534,000	15,125,000	14,758,000	13,498,000	12,308,000
interest on cash and deposits at other banks	3,778,000	4,204,000	5,273,000	8,783,000	5,205,000	4,694,000	7,507,000	5,284,000	27,183,000	29,029,000	28,115,000	25,295,000	6,641,000
interest on other investments	1,229,000	767,000	1,186,000	1,177,000	1,108,000	1,169,000	814,000	805,000	816,000	777,000	735,000	684,000	695,000	1,521,000	606,000	492,000	544,000	691,000	865,000	668,000	642,000	598,000	942,000	980,000	2,029,000		2,973,000	2,675,000
total interest income	230,144,000	240,043,000	244,785,000	239,170,000	217,166,000	226,621,000	235,084,000	232,601,000	259,674,000	269,224,000	275,793,000	267,184,000	238,396,000	224,237,000	189,182,000	157,824,000	144,872,000	145,169,000	142,866,000	140,204,000	138,293,000	141,729,000	145,220,000	145,061,000	166,868,000		173,466,000	173,130,000	150,410,000	147,643,000	138,533,000	132,743,000	119,552,000	83,461,000	77,075,000		37,194	38,052,000	37,130,000	36,593,000	38,661,000		36,041,000	39,091,000	41,690,000	42,623,000	40,010,000	38,122,000	35,076,000	33,416,890	31,503,757	27,496,433	24,093,920	21,696,981	19,902,512	17,246,033
interest expense:
interest on deposits	101,455,000	109,388,000	115,425,000	118,852,000	113,585,000	121,645,000	127,193,000	122,577,000	124,033,000	121,305,000	117,854,000	109,724,000	94,067,000	63,276,000	30,667,000	12,220,000	8,676,000	8,905,000	9,640,000	10,696,000	12,770,000	16,934,000	22,871,000	29,451,000	41,113,000		48,826,000	46,847,000	24,849,000				13,017,000	9,907,000	7,970,000		5,131	5,688,000	5,968,000	6,279,000	9,947,000		11,825,000	12,347,000	12,948,000	15,245,000	14,799,000	13,924,000	11,589,000	10,537,485	9,627,945	7,074,435	5,458,135
interest on fhlb and frb borrowings	2,408,000	1,063,000	273,000	364,000	356,000	248,000	329,000	1,430,000	17,853,000	19,224,000	19,821,000	23,622,000	6,698,000	6,988,000	2,393,000	1,457,000	687,000
interest on other borrowings and debt	2,224,000	2,350,000	2,445,000	2,421,000	2,408,000	2,593,000	2,753,000	2,734,000	2,741,000	2,779,000	2,740,000	3,149,000
total interest expense	106,087,000	112,801,000	118,143,000	121,637,000	116,349,000	124,486,000	130,275,000	126,741,000	144,627,000	143,308,000	140,415,000	136,495,000	104,518,000	73,716,000	35,996,000	16,286,000	11,696,000	11,851,000	12,570,000	13,627,000	15,714,000	20,973,000	27,583,000	35,247,000	47,577,000		56,245,000	53,522,000	30,342,000	24,380,000	21,713,000	17,838,000	16,078,000	11,854,000	9,684,000		8,311	9,329,000	9,520,000	9,785,000	13,418,000		15,620,000	16,389,000	16,937,000	17,208,000	16,202,000	15,095,000	12,711,000	11,658,295	10,730,850	8,500,025	6,761,830	5,590,763	4,984,407	3,933,955
net interest income	124,057,000
provision for credit losses	8,650,000	3,292,000	8,710,000	15,000,000	4,800,000	10,000,000	3,280,000	1,400,000	2,600,000	6,850,000	16,800,000										3,300,000	27,500,000	22,000,000	17,500,000	28,000,000
net interest income after provision for credit losses	115,407,000	123,950,000	117,932,000	102,533,000	96,017,000	92,135,000	101,529,000	104,460,000	112,447,000	93,136,250	118,578,000										119,279,000	93,256,000	95,637,000	92,314,000	91,291,000
noninterest income:
service fees on deposit accounts	3,335,000	3,249,000	3,235,000	3,106,000	2,921,000	2,809,000	2,651,000	2,681,000	2,587,000	2,505,000	2,415,000	2,325,000	2,221,000	2,159,000	2,535,000	2,270,000	1,974,000	1,894,000	1,814,000	1,777,000	1,790,000	2,991,000	2,736,000	2,583,000	4,133,000		4,416,000	4,317,000	4,801,000	5,151,000	5,179,000	5,338,000	4,778,000	2,683,000	3,030,000		1,497	1,207,000	1,637,000	1,572,000	1,619,000		1,769,000	1,359,750	1,895,000	1,132,000	1,471,000	1,520,000	1,537,000	1,178,077.5	1,552,697	1,581,733
international service, wire transfer and foreign currency fees	2,255,000
other customer-driven income and fees	4,877,000
net gains on sales of sba loans	3,266,000	2,566,000	2,774,000	3,998,000	3,131,000	3,063,000	2,722,000	1,980,000				1,872,000	2,225,000	2,154,000	2,782,000	5,804,000	5,603,000	3,614,000	2,459,000	2,375,000									3,450,000	3,631,000	3,267,000	3,250,000	230,000	1,825,000	3,119,000		1,160	720,000	308,000	329,000	43,000		63,000			1,091,000	922,000	1,096,000	1,717,000	2,297,400	1,846,886	1,093,617	749,097
net gains on sales of investment securities afs	604,000	1,168,000		-38,856,000		837,000	-326,000	425,000
other noninterest income	2,630,000
total noninterest income	16,967,000	18,351,000	15,385,000	-22,956,000	15,688,000	15,881,000	11,839,000	11,071,000	8,286,000	9,280,000	8,305,000	17,014,000	10,978,000	12,110,000	13,355,000	12,746,000	13,186,000	13,097,000	10,617,000	11,076,000	8,804,000	11,415,000	17,513,000	11,240,000	13,264,000		12,287,000	11,422,000	19,850,000	16,246,000	16,115,000	17,603,000	14,146,000	8,775,000	10,568,000
noninterest expense:
salaries and employee benefits	56,223,000	57,906,000	54,910,000	52,834,000	48,460,000	42,016,000	44,160,000	44,107,000	47,836,000	47,364,000	51,033,000	52,305,000	57,169,000	52,694,000	53,222,000	51,058,000	47,745,000	44,608,000	47,018,000	42,309,000	41,216,000	40,911,000	40,659,000	38,850,000	42,502,000		39,297,000	40,429,000	39,385,000	35,987,000	34,946,000	34,166,000	30,456,000	21,569,000	20,932,000		7,154	7,196,000	6,258,000	5,977,000	5,593,000		6,443,000	6,840,000	6,955,000	6,857,000	6,346,000	7,083,000	6,811,000	6,361,160	6,148,529	6,152,646	5,262,665			4,881,827
occupancy, furniture and equipment	10,566,000
software-related expense	6,285,000
data and item processing	3,568,000
amortization of investments in affordable housing partnerships	2,474,000	2,940,000	3,216,000	2,430,000	1,961,000	2,428,000	2,206,000	2,284,000	2,134,000	2,634,000	1,933,000	1,912,000	1,716,000
federal deposit insurance corporation (“fdic”) assessments	2,814,000
fdic special assessment	-58,000							-309,000	1,000,000
earned interest credit expense	2,383,000	3,028,000	3,529,000	3,310,000	3,087,000	4,605,000	6,869,000	6,139,000
merger and restructuring-related costs	234,000	776,000	958,000	17,281,000
other noninterest expense	9,966,000	8,593,000	7,749,000	8,906,000	7,626,000	7,752,000	7,038,000	6,029,000	6,288,000	7,797,000	6,071,000
total noninterest expense	94,455,000	99,428,000	96,861,000	109,473,000	83,861,000	77,590,000	81,268,000	80,987,000	84,839,000	99,891,000	86,873,000	87,333,000	90,354,000	84,518,000	83,914,000	80,365,000	75,373,000	74,236,000	75,502,000	73,123,000	70,431,000	71,063,000	73,406,000	67,030,000	72,140,000		71,371,000	70,833,000	68,453,000	61,837,000	64,037,000	67,699,000	67,846,000	40,049,000	38,698,000
income before income taxes	37,919,000	42,873,000	36,456,000	-29,896,000	27,844,000	30,426,000	32,100,000	34,544,000	35,894,000	33,605,000	40,010,000	51,470,000	52,802,000	69,913,000	73,427,000	70,719,000	81,989,000	51,148,250	75,411,000	71,530,000	57,652,000	27,170,750	39,744,000	36,524,000	32,415,000		56,937,000	57,197,000	68,965,000	72,272,000														5,341,750	8,593,000	10,387,000	14,579,000	13,620,000	13,349,000	8,077,893.25	13,529,087	9,621,330
income tax provision	8,379,000	5,343,000	5,613,000	-2,015,000	6,748,000	6,089,000	7,941,000	9,274,000	10,030,000	7,124,000	9,961,000	13,448,000	13,681,000	18,210,000	19,679,000	18,631,000	21,251,000	19,056,000	19,912,000	17,767,000	13,965,000	5,289,000	9,254,000	9,771,000	6,462,000		14,256,000	14,439,000	17,733,000	27,708,000	25,451,000	22,999,000	17,169,000	16,210,000	15,320,000		4,690	3,621,000	3,056,000				-2,934,000										3,756,074	4,527,761	3,346,911	2,668,411	2,358,340	2,254,186	1,919,338		1,545,000
net income	29,540,000	37,530,000	30,843,000	-27,881,000	21,096,000	24,337,000	24,159,000	25,270,000	25,864,000	26,481,000	30,049,000	38,022,000	39,121,000	51,703,000	53,748,000	52,088,000	60,738,000	51,623,000	55,499,000	53,763,000	43,687,000	28,319,000	30,490,000	26,753,000	25,953,000		42,681,000	42,758,000	51,232,000	44,564,000	40,687,000	36,210,000	26,105,000	23,623,000	22,941,000		6,746	6,070,000	5,100,000	-15,877,000	-2,532,000		-3,180,000	-9,853,000	4,982,000	9,357,000	8,669,000	7,901,000	7,879,000	7,910,247	7,929,087	5,612,584	5,405,082	6,110,612	4,983,139	4,143,284	3,704,334	3,415,519	3,236,924		2,842,085
yoy	40.03%	54.21%	27.67%	-210.33%	-18.43%	-8.10%	-19.60%	-33.54%	-33.89%	-48.78%	-44.09%	-27.00%	-35.59%	0.15%	-3.16%	-3.12%	39.03%	82.29%	82.02%	100.96%	68.33%		-28.56%	-37.43%	-49.34%		4.90%	18.08%	96.25%	88.65%	77.35%		386870.06%	289.18%	349.82%		-100.27%		-260.38%	61.14%	-150.82%		-136.68%	-224.71%	-36.77%	18.29%	9.33%	40.77%	45.77%	29.45%	59.12%	35.46%	45.91%	78.91%	53.95%		30.34%
qoq	-21.29%	21.68%	-210.62%	-232.16%	-13.32%	0.74%	-4.40%	-2.30%	-2.33%	-11.87%	-20.97%	-2.81%	-24.34%	-3.80%	3.19%	-14.24%	17.66%	-6.98%	3.23%	23.06%	54.27%	-7.12%	13.97%	3.08%			-0.18%	-16.54%	14.96%	9.53%	12.36%	38.71%	10.51%	2.97%			-99.89%	19.02%	-132.12%	527.05%			-67.73%	-297.77%	-46.76%	7.94%	9.72%	0.28%	-0.40%	-0.24%	41.27%	3.84%	-11.55%	22.63%	20.27%	11.85%	8.46%	5.52%
earnings per common share
basic	230	47.5	240	-220	170	155	200	210	220	222.5	250	320	330	347.5	450	430	510	310	450	440	350	230	250	220	210		340	340	380	330	300	270	220	300	290		0.15	140	110				-160
diluted	230	47.5	240	-220	170	155	200	210	210	222.5	250	320	330	345	450	430	500	307.5	450	430	350	230	250	220	210		340	340	380	330	300	270	220	300	290		0.15	140	110				-160
net interest income before provision for credit losses		127,242,000	126,642,000	117,533,000	100,817,000	102,135,000	104,809,000	105,860,000	115,047,000	99,986,250	135,378,000										122,579,000	120,756,000	117,637,000	109,814,000	119,291,000
international service fees		1,105,000	641,000	532,000	967,000	561,000	711,000	696,000	1,035,000	683,000	740,000	854,000	1,088,000	762,000	834,000	744,000	794,000	1,061,000	889,000	795,000	841,000	696,000	987,000	667,000	790,000		1,020,000	933,000	1,020,000	1,107,000	1,119,000	1,108,000	1,010,000	776,000	1,005,000		570	584,000	633,000	613,000	539,000		420,000	553,000	535,000	639,000	726,000	687,000	614,000
wire transfer and foreign currency fees		990,000	1,481,000	1,058,000	986,000	1,076,000	926,000	974,000
swap fees		3,008,000	613,000	1,662,000	645,000	1,413,000	21,000	25,000	143,000	56,000	-61,000	674,000	42,000	452,000	1,193,000	175,000	785,000	131,250	293,000	165,000	67,000	612,500	434,000	1,040,000
other income and fees		6,265,000	6,641,000	5,544,000	7,038,000	5,116,000	5,134,000	4,290,000	3,636,000	5,117,000	4,287,000	10,357,000	4,565,000	4,149,000	4,028,000	2,523,000	1,537,000	3,402,000	2,903,000	3,079,000	2,122,000	3,061,000	1,308,000	3,346,000	5,123,000		3,607,000	3,612,000	6,597,000	2,850,000	3,564,000	4,863,000	3,591,000	1,887,000	1,570,000		507	509,000	539,000	517,000	353,000		262,000	74,000	433,000	-1,219,000	1,051,000	676,000	591,000	-3,936,047	2,413,103	2,243,314	1,878,630
occupancy		9,003,000	9,153,000	8,884,000	7,166,000	6,837,000	6,940,000	6,906,000	6,786,000	7,231,000	7,149,000	6,967,000	7,521,000	7,072,000	6,682,000	7,178,000	7,335,000	7,391,000	7,473,000	7,067,000	6,967,000	7,200,000	7,264,000	7,043,000	7,410,000		7,839,000	7,677,000	7,239,000	7,131,000	7,154,000	7,194,000	6,889,000	4,817,000	4,810,000		2,437	2,446,000	2,470,000	2,424,000	2,427,000		2,426,000	2,469,000	2,353,000	2,087,000	1,993,000	1,918,000	1,816,000	1,907,420	1,767,443	1,691,904	1,596,233			1,267,469
furniture and equipment		5,356,250	7,895,000	7,817,000	5,713,000	5,436,000	5,341,000	5,475,000	5,340,000	5,302,000	5,625,000	5,393,000	5,058,000	5,045,000	4,967,000	4,778,000	4,644,000	4,642,000	4,429,000	4,822,000	4,186,000	4,122,000	4,513,000	4,654,000	4,259,000		4,026,000	3,446,000	3,721,000	3,642,000	3,556,000	3,413,000	3,297,000	2,287,000	2,323,000		935	926,000	952,000	884,000	778,000		695,000	691,000	722,000	639,000	562,000	548,000	520,000	588,819	503,846	497,301	510,034			419,195
data processing and communications		2,685,000	4,231,000	3,602,000	2,907,000	2,961,000	3,112,000	2,997,000	2,990,000	2,976,000	2,891,000	2,917,000	2,822,000	2,860,000	2,469,000	2,893,000	2,461,000	1,885,500	2,394,000	2,411,000	2,737,000	1,777,250	2,204,000	2,274,000	2,631,000		2,587,000	2,956,000	3,495,000	3,221,000	2,676,000	3,606,000					983	1,019,000	951,000	1,051,000	933,000		901,000	794,000	754,000	781,000	1,029,000	1,018,000	953,000
professional fees		2,492,000	2,278,000	1,921,000	1,920,000	2,288,000	1,969,000	2,191,000	2,518,000	1,394,000	2,111,000	1,416,000	1,543,000	1,325,000	1,196,000	1,582,000	2,211,000	2,439,000	2,431,000	4,395,000	2,903,000	1,847,000	1,513,000	1,510,000	3,300,000		5,959,000	5,380,000	3,106,000	3,239,000	3,260,000	3,902,000	1,898,000	1,083,000	1,253,000		709	690,000	627,000	756,000	702,000		678,000	380,000	448,000	663,000	815,000	782,000	678,000	1,159,131	613,218	1,185,181	756,470	994,018	769,894	551,676	730,765	456,998	222,114
fdic assessments		3,051,000	2,942,000	2,488,000	2,502,000	2,684,000	2,200,000	3,003,000	2,926,000	3,141,000	3,683,000	4,691,000	1,781,000	1,596,000	1,633,000	1,450,000	1,569,000	1,366,000	1,204,000	1,284,000	1,255,000	1,166,000	1,167,000	1,652,000	1,559,000		1,559,000	1,551,000	1,767,000	1,262,000	1,004,000	1,010,000	1,564,000	1,038,000	909,000		1,289	932,250	1,171,000	1,191,000
restructuring-related costs					166,000	-152,000	197,000	576,000
merger-related costs					2,353,000	735,000	1,236,000	1,589,000
wire transfer fees									812,000	893,000	806,000	850,000	773,000	863,000	856,000	858,000	900,000	916,000	836,000	923,000	844,000	867,000	892,000	820,000	998,000		1,311,000	1,089,000	1,207,000	1,287,000	1,343,000	1,186,000	1,158,000	914,000	871,000		322	308,000	289,000	302,000	293,000		352,000	463,000	358,000	354,000	339,000	359,000	348,000
net gains on sales of residential mortgage loans									73,000	26,000	118,000	82,000	64,000	20,000	29,000	76,000	757,000	530,000	781,000
earned interest credit									5,834,000	6,505,000	6,377,000	5,090,000
restructuring costs									143,000
merger related costs									1,044,000
net interest income before provision (credit) for credit losses												130,689,000	133,878,000	150,521,000	153,186,000	141,538,000	133,176,000	133,318,000	130,296,000	126,577,000
provision (credit) for credit losses												8,900,000	1,700,000	8,200,000	9,200,000	3,200,000	-11,000,000	1,500,000	-10,000,000	-7,000,000
net interest income after provision (credit) for credit losses												121,789,000	132,178,000	142,321,000	143,986,000	138,338,000	144,176,000	131,818,000	140,296,000	133,577,000
other												6,642,000	8,317,000	3,890,000	3,741,000	4,479,000	4,284,000	4,221,000	3,737,000	3,299,000	4,341,000	3,759,000	3,462,000	4,160,000	3,750,000		3,839,000	3,925,000	4,150,000	3,884,000	4,129,000	7,157,000	6,628,000	2,892,000	2,548,000		1,865	2,599,000	1,254,000	1,330,000	1,362,000		3,648,000	2,213,000	2,293,000	1,965,000	1,856,000	2,004,000	1,880,000	1,150,677	1,870,861	1,492,115	1,291,797	744,323	1,810,346	996,790	987,408	857,896	1,035,883
interest on other borrowings and convertible notes													3,753,000	3,452,000	2,936,000	2,609,000	2,333,000	2,298,000	2,290,000	2,300,000	2,302,000	3,382,000	3,389,000	3,558,000	3,817,000		4,035,000	4,061,000
earnings credit rebate													4,427,000	5,002,000	4,685,000
loan servicing fees														928,000	981,000	843,000	836,000	747,000	642,000	934,000	1,044,000	566,000	772,000	1,106,000	365,000		738,000	730,000	1,579,000	1,373,000	1,291,000	1,438,000	955,000	690,000	855,000		463	444,000	492,000	443,000	457,000		475,000	493,000	522,000	438,000	454,000	475,000	466,000
net gains on sales of other loans														-107,500	117,000					1,028,000	2,096,000	1,618,000	2,853,000	1,678,000	1,855,000		1,066,000	741,000	1,196,000	847,000	352,000	420,000	1,476,000		45,000			-7,000	3,725,000	650,000			387,000
advertising and marketing														1,869,000	1,739,000	2,226,000	1,636,000	2,329,000	2,656,000	2,097,000	1,625,000	1,695,000	1,601,000	1,315,000	1,673,000		2,245,000	2,062,000	2,299,000	2,217,000	2,394,000	3,424,000	2,306,000	1,136,000	1,484,000		579	422,000	527,000	612,000	459,000		457,000	360,000	466,000	655,000	421,000	725,000	551,000	788,537	506,116	464,229	390,118			306,540
investments in affordable housing partnership expenses														2,550,000	2,329,000	1,844,000	2,019,000	2,075,000	2,646,000	2,952,000	2,702,000	2,325,000	3,876,000							2,803,000	3,055,000
credit related expenses														1,040,000	873,000	2,872,000	1,112,000	873,000	1,266,000	43,000	2,218,000	2,001,000	1,793,000	1,361,000	1,662,000		1,549,000	678,000	772,000	-2,487,000	113,000	1,883,000	810,000	421,000	1,976,000		744	993,000	1,483,000	1,742,000	563,000
oreo expense														-425,000	378,000	5,000	357,000	811,000	248,000	298,000	281,000	-86,000	1,770,000	1,338,000	843,000		83,000	-152,000	-104,000	678,000	1,188,000	997,000	-423,000	1,428,000
software impairment																				2,146,000
net losses on sales of other loans																-547,000
interest on securities																	11,656,000	10,657,000	9,207,000	7,713,000	7,915,000	9,014,000	9,848,000	9,891,000	10,609,000		11,866,000	12,319,000	10,101,000				6,645,000	5,677,000	4,215,000		3,930	3,731,000	3,438,000	2,884,000	5,088,000		4,320,000	3,819,000	3,358,000	2,151,000	2,340,000	2,060,000	1,884,000	1,870,977	1,556,926	1,388,894	1,400,203	1,185,706	1,269,209	1,340,526	1,443,256	1,507,544	1,402,814		1,460,338
interest on fhlb advances																		648,000	640,000	631,000	642,000	657,000	1,323,000	2,238,000	2,647,000		3,384,000	2,614,000	4,069,000				2,161,000	1,523,000	1,327,000		2,572	3,057,000	3,045,000
net gains on sales of securities available for sale																						1,882,750	7,531,000				129,000						948,000							96,000	6,296,000		785,000
fhlb advance prepayment fee																							3,584,000
investments in affordable housing partnerships expenses																								2,873,000	2,551,000		2,388,000	2,881,000
net interest income before benefit from loan losses																											117,221,000			123,263,000	116,820,000				67,391,000											25,415,000	23,808,000	23,027,000	22,365,000	14,275,351.25	20,772,907	18,996,408		16,106,218	14,918,105	13,312,078
benefit from loan losses																											1,200,000			5,400,000	2,760,000				1,000,000											1,362,000	1,170,000	142,000	1,080,000	1,142,500	970,000	1,950,000		200,000	900,000	1,500,000	1,350,000	1,100,000	1,300,000		600,000
net interest income after benefit from loan losses																											116,021,000			117,863,000	114,060,000				66,391,000											24,053,000	22,638,000	22,885,000	21,285,000	13,132,851.25	19,802,907	17,046,408		15,906,218	14,018,105	11,812,078	10,298,847	9,923,545	8,572,387		8,208,470
net interest income before provision for loan losses																												119,608,000	120,068,000			114,905,000	103,474,000	71,607,000			28,883	28,723,000	27,610,000	26,808,000	25,243,000		20,421,000	22,702,000	24,753,000								17,332,090
provision for loan losses																												3,000,000	2,500,000			5,600,000	6,500,000	500,000			5,262	5,800,000	11,100,000	42,323,000	25,407,000		15,670,000	28,000,000	6,180,000								1,650,000
net interest income after provision for loan losses																												116,608,000	117,568,000			109,305,000	96,974,000	71,107,000			23,621	22,923,000	16,510,000	-15,515,000	-164,000		4,751,000	-5,298,000	18,573,000								15,682,090
interest on federal funds sold and other investments																													2,366,000				775,000	666,000	1,611,000		179	233,000	248,000	199,000	225,000		49,000	-36,000	531,000	324,000	470,000	1,461,000	792,000	650,946	857,006	345,543	238,505	194,812	246,861
interest on other borrowings																													1,424,000				900,000	424,000	387,000		608	584,000	507,000	3,046,000	3,017,000					1,099,000	535,000	340,000	337,000	343,722	370,528	728,727	647,023			292,303
loss on investments in affordable housing partnerships																													2,630,000
merger-related expenses																													-7,000
loans, including fees																														136,822,000	128,515,000	123,294,000
securities																														9,540,000	8,741,000	8,113,000
interest bearing deposits in other banks and other investments																														1,281,000	1,277,000
deposits																														20,376,000	18,114,000	14,511,000
fhlb advances																														2,698,000	2,338,000	2,139,000
other borrowings																														1,306,000	1,261,000	1,188,000
merger and integration expenses																														260,000	562,000	947,000
income before income tax provision																															66,138,000	59,209,000	43,274,000	39,833,000	38,261,000		11,436	9,691,000	8,156,000				-6,114,000										9,161,156	5,650,162.25	8,330,050	6,811,695
interest bearing deposits in other bank and other investments																																1,336,000
data processing and communication																																	3,199,000	2,171,000	2,463,000
merger and integration expense																																	11,222,000	1,207,000
net gains losses on sales of oreo																																			73,000
non-interest income:
net gains on sales and calls of securities available for sale																																							4,000
net valuation losses on interest rate swaps																																					-11	95,000	-226,000	-495,000	-231,000
net gains on sales of oreo																																					2	-153,500	-62,000	-567,000	15,000
total non-interest income																																					4,510	4,298,000	7,339,000	3,460,000	9,384,000		4,383,000	2,058,000	4,011,000	4,220,000	4,963,000	4,813,000	5,273,000	5,908,961	5,787,712	5,028,767	4,179,560	4,854,637	6,355,600	5,888,928
non-interest expense:
total non-interest expense																																					16,695	17,530,000	15,693,000	15,967,000	14,184,000		15,248,000	13,747,000	13,991,000	13,618,000	13,022,000	14,078,000	13,209,000	13,454,129	12,061,532	12,453,845		7,964,174	12,043,655	10,889,311
dividends and discount accretion on preferred stock																																					-1,075	-1,074,000	-1,073,000	-1,073,000	-1,071,000		-1,068,000
net income available to common stockholders																																					5,671	4,996,000	4,027,000				-4,248,000
interest on subordinated debetures																																								460,000	454,000
loss before income tax benefit																																								-28,022,000	-4,964,000
income tax benefit																																								-12,145,000	-2,432,000
net loss available to common stockholders																																								-16,950,000	-3,603,000
loss per common share
basic																																								-450	-100
diluted																																								-450	-100
fdic assessment																																									1,367,000
interest on subordinated debentures																																											558,000	657,000	640,000	864,000	868,000	831,000	785,000	777,088	732,377	696,863	656,672
interest on fhlb borrowings																																											3,237,000	2,636,750	3,349,000
net losses on sales of oreo																																											-130,000
net gains on sba mortgage banking activities																																												378,250	268,000
net gains on calls or sales of securities available for sale																																												215,000
other than temporary impairment on securities available for sale
income taxes																																												2,189,750	3,611,000	4,274,750	5,910,000	5,719,000	5,470,000	3,341,205	5,600,000	4,008,746
total comprehensive income																																												2,260,250	3,134,000
earnings per share
basic																																												0.12	0.19	0.36	0.33	0.31	0.31	0.31	0.33	0.24	0.23	0.26	0.21	0.36
diluted																																												0.12	0.19	0.35	0.33	0.3	0.3	0.3	0.32	0.23	0.22	0.24	0.2	0.35
net gains on sales of securities available-for sale																																																		35,865.25	800	127,503	15,158
interest on interest rate swaps																																																		155,687.5	3,000	202,862	416,888	574,444	723,562	904,944	893,278	816,472	833,000
net incomees on sales of premises and equipment																																																		-1,607.25	-59
net gains on interest rate swaps																																																		-19,487.5	-25,715		-35,326
net gains on sale of other loans
loan referral fees
other than temporary impairment on securities
data processing																																																		484,903.75	651,519	678,589	609,507			572,601
comprehensive income																																																		4,218,673.25	6,434,311			3,506,884.5	7,839,936
net gains on sales of premises and equipment																																																				-491	-5,879
net incomees on interest rate swaps																																																				-16,909
communications																																																				182,124	186,248	208,264	152,152	161,420	181,296	149,252	149,201
office supplies and forms																																																				109,756	97,422	127,848	113,083	98,627	119,966	94,426	83,604
service charges on deposit accounts																																																					1,577,880	1,738,579	1,839,317	2,027,331	1,978,846	1,877,229	1,723,948		1,510,619
non-interest expenses:
total non-interest expenses																																																					10,700,494
interest expense on deposits																																																						2,685,230.75	4,283,463	3,082,960	3,097,597	3,314,022	3,295,914		2,432,740
interest expense on junior subordinated debentures																																																						428,995.75	592,012	558,692
interest expense on borrowings																																																						159,481.25	108,932		424,919	465,322
other charges and fees																																																						1,552,346.75	2,254,004	1,898,800	1,828,737	1,764,019	1,623,744		1,653,758
gain on sale of securities available-for sale																																																						108,401.75	25,384
gain on sale of fixed assets																																																						-645.5	-5,025		9,209	-27,024	11,521
gains on sale of other real estate owned																																																										79,552
gain on interest rate swaps																																																						-48,487.25	112,072	719,735		280,067	147,857		26,370
gain on sale of sba loans																																																						1,196,697.5	2,107,963		1,133,656	836,961	1,200,222		424,330
gain on sale of other loans																																																						48,914.5	195,658
loan referral income																																																						266,266	268,579
other than temporary impairment on investment securities																																																						-549,734	-442,352	1,633,166
salaries, wages and employee benefits																																																						4,136,434.5	6,143,552		4,906,119	5,248,348	4,560,584		4,152,749
net occupancy expense																																																						1,006,582.5	1,440,024		1,296,706	1,057,795	1,052,287		1,041,120
furniture and equipment expense																																																						354,224.25	513,889		402,895	362,910	376,063		382,740
advertising and marketing expense																																																						323,638.75	497,240
data and item processing expense																																																						451,768.5	603,475		516,095	540,486
earnings per share:
basic																																												0.12	0.19	0.36	0.33	0.31	0.31	0.31	0.33	0.24	0.23	0.26	0.21	0.36
diluted																																												0.12	0.19	0.35	0.33	0.3	0.3	0.3	0.32	0.23	0.22	0.24	0.2	0.35
interest on federal funds sold and interest-bearing deposits with other financial institutions																																																								120,547			237,906
net gain on sale of available-for sale of securities																																																								304,976
gain on sale of premises and equipment																																																								-217
net income on sales of other real estate owned
net gain on sale of sba loans																																																								938,303
interest on other investments, including tcd with other financial institutions																																																									78,914	85,799
interest expense on trust preferred securities																																																									404,149
gain on sale of securities avaliable-for sale																																																									219,244	27,525
gain on valuation of interest rate swaps																																																									9,408
income before income taxes and cumulative effect of a change in accounting principle																																																									6,062,674	5,669,705	5,156,262		4,387,085
income before cumulative effect of a change in accounting principle																																																									3,704,334	3,415,519	3,236,924		2,842,085
cumulative effect of change in accounting principle
earnings per share:
earnings before cumulative effect of a change in accounting principle
basic
diluted
cumulative effect of a change in accounting principle
basic
diluted
interest expense on trust preferred																																																										303,604
cumulative effect of a change in accounting principle
interest on borrowings																																																											772,978		721,604
gain on sale of avaliable-for sale of securities																																																											158,757
loss on sale of other real estate owned																																																											-2,031
data processing expense																																																											465,673		374,148
earnings per share:
basic																																																											0.3
diluted																																																											0.29
cumulative effect of a change in accounting principle
basic
diluted
basic																																																											0.3
diluted																																																											0.29
interest on other investments, including tcd with other financial institution																																																													27,639
interest on federal funds sold																																																													83,523
gain on sale of securities																																																													473,107
gain on sale of premises and equipments																																																													25,599
gain on sale of other real estate owned																																																													36,798
amortization of negative goodwill
professional fee																																																													336,616
other operating expenses																																																													1,300,975

Balance Sheets:

Quarterly

Annual

Unit: USD	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	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-03-31	2018-03-31	2017-03-31	2016-09-30	2016-03-31	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-03-31	2008-12-31	2008-09-30	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2002-12-31

assets
cash and cash equivalents:
cash and due from banks	223,966,000	253,126,000	227,576,000		170,674,000	187,817,000	160,027,000		225,286,000	208,069,000	212,485,000		230,250,000	181,986,000	268,461,000		283,993,000	293,822,000	286,400,000		315,336,000	527,627,000	255,441,000	211,223,000	160,372,000	160,918,000	182,152,000	82,945,000	23,431,000		28,080,000	27,684,000	23,888,000		44,705,000		41,281,000		33,799,000	37,001,000	32,924,000		32,898,128	32,672,417	28,308,301
interest earning cash in other banks	230,943,000	436,608,000	505,906,000		510,183,000	466,227,000	1,025,269,000		2,275,037,000	2,094,270,000	2,000,152,000
total cash and cash equivalents	454,909,000	689,734,000	733,482,000		680,857,000	654,044,000	1,185,296,000		2,500,323,000	2,302,339,000	2,212,637,000		331,336,000	197,062,000	280,373,000		627,352,000	836,957,000	376,666,000		629,133,000	1,468,949,000	802,033,000	612,884,000	612,353,000	461,068,000	443,903,000	236,101,000	135,341,000		234,161,000	203,135,000	280,030,000		194,705,000		73,781,000		36,299,000	133,201,000	66,024,000		112,898,128	122,072,417	60,808,301
investment securities available for sale (“afs”), at fair value	2,022,566,000	2,021,643,000	1,838,410,000		1,920,981,000	1,914,791,000	2,016,389,000		1,994,228,000	1,916,586,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 229,545 and 231,124 at september 30, 2025 and december 31, 2024, respectively	243,468,000
equity investments	88,711,000	88,152,000	86,236,000		39,908,000	44,278,000	43,925,000		43,183,000	42,963,000	42,712,000		42,324,000	62,869,000	56,674,000		58,512,000	59,032,000	59,049,000		49,710,000	49,869,000	49,569,000	50,873,000
loans held for sale, at lower of cost or fair value	33,118,000	12,051,000	183,000		25,714,000	68,316,000	2,763,000		19,502,000	49,246,000
loans receivable, net of allowance for credit losses of 152,509 and 150,527 at september 30, 2025 and december 31, 2024, respectively	14,434,390,000
federal home loan bank (“fhlb”) stock, at cost	17,700,000	18,600,000	17,250,000		17,250,000	17,250,000	17,250,000		17,250,000	17,250,000	17,250,000		18,900,000	17,792,000	18,900,000		17,250,000	17,250,000	17,250,000		17,250,000	17,250,000	18,225,000	21,580,000	28,966,000	21,203,000	23,449,000	18,964,000
premises and equipment	69,152,000	69,141,000	52,296,000		51,543,000	50,919,000	50,541,000		51,764,000	50,513,000	47,887,000		46,169,000	46,093,000	45,642,000		45,307,000	45,302,000	47,918,000		49,552,000	51,029,000	51,392,000	53,218,000	56,564,000	51,125,000	53,966,000	35,134,000	10,540,000	11,082,000	11,147,000	10,896,000	10,950,000	11,585,000	11,749,000	11,674,000	11,836,000	9,907,000	11,575,000	9,082,000	8,148,000	7,551,000	8,019,552	6,836,512	6,845,891	7,191,000
accrued interest receivable	53,159,000	53,589,000	49,986,000		51,898,000	57,645,000	60,316,000		60,665,000	60,118,000	57,021,000		42,363,000	37,845,000	37,949,000		47,102,000	51,886,000	60,498,000		57,989,000	52,859,000	30,450,000	34,831,000	29,154,000	25,683,000	24,165,000	15,660,000	8,731,000	9,560,000	8,606,000	8,272,000	9,723,000	10,246,000	8,276,000	8,781,000	8,153,000	8,192,000	8,425,000	7,786,000	7,620,000	6,399,000	6,861,849	6,164,323	6,157,151	4,341,000
deferred tax assets	188,761,000	202,996,000	127,492,000		122,538,000	143,343,000	138,350,000		166,262,000	146,301,000	139,262,000		149,383,000	118,541,000	90,172,000		33,055,000	49,092,000	58,115,000		43,380,000	34,255,000	28,911,000	39,352,000	58,082,000	80,321,000	69,044,000	53,564,000	34,780,000		38,298,000	32,027,000	31,639,000		23,151,000		20,444,000		16,090,000	17,415,000	15,894,000		15,016,975	14,019,201
bank owned life insurance	140,043,000	140,427,000	90,573,000		89,726,000	89,917,000	89,484,000		88,643,000	88,238,000	87,842,000		76,788,000	77,692,000	77,390,000		76,756,000	76,428,000	77,089,000		77,388,000	77,050,000	76,429,000	75,586,000	75,302,000	74,090,000	73,290,000	47,292,000	24,301,000		23,933,000	23,768,000	23,645,000		23,402,000		23,291,000
investments in affordable housing partnerships	30,000,000	30,848,000	30,455,000		33,010,000	50,057,000	52,341,000		42,094,000	44,026,000	45,995,000		50,259,000	54,524,000	56,368,000		61,154,000	63,800,000	66,752,000		73,300,000	77,176,000	80,049,000	89,078,000	78,379,000	76,398,000	69,025,000	24,379,000
operating lease right-of-use assets (“rou”)	56,425,000	58,372,000	36,574,000		42,071,000	41,922,000	43,849,000		51,769,000	53,744,000	53,211,000
goodwill	478,330,000	478,104,000	464,450,000		464,450,000	464,450,000	464,450,000		464,450,000	464,450,000	464,450,000		464,450,000	464,450,000	464,450,000		464,450,000	464,450,000	464,450,000		464,450,000	464,450,000	464,450,000	464,450,000	464,450,000	463,975,000	464,419,000	105,401,000	2,509,000		2,509,000	2,509,000	2,509,000		2,509,000		2,697,000		2,347,000	2,347,000	2,347,000		2,347,150	2,347,150	1,909,150
core deposit intangible assets	46,173,000	47,324,000	1,955,000		2,732,000	3,133,000	3,534,000		4,382,000	4,830,000	5,278,000		6,212,000	6,698,000	7,184,000		8,180,000	8,689,000	9,198,000		10,239,000	10,770,000	11,302,000	13,504,000	15,907,000	18,550,000	19,968,000	2,607,000
servicing assets	12,391,000	11,822,000	10,775,000		9,339,000	8,984,000	8,869,000		10,457,000	11,532,000	11,628,000		11,601,000	11,215,000	10,874,000		10,787,000	11,566,000	12,084,000		13,718,000	14,164,000	14,847,000	21,407,000	24,866,000	25,941,000	26,529,000	11,856,000															3,898,149	3,737,989	3,688,509
other assets	138,439,000	91,686,000	90,141,000		81,134,000	96,991,000	88,056,000	11,503,000	146,106,000	150,831,000	122,944,000		145,075,000	100,495,000	64,850,000		138,634,000	138,336,000	112,298,000	7,897,000	135,178,000	134,187,000	117,453,000	42,200,000	35,656,000	39,855,000	68,924,000	44,047,000	19,118,000	64,655,000	33,230,000	45,461,000	52,427,000	11,971,000	51,337,000	57,246,000	34,127,000	36,283,000	15,172,000	14,843,000	14,397,000	37,373,000	12,960,133	9,413,040	8,791,718	32,430,000
total assets	18,507,735,000	18,547,017,000	17,068,316,000		17,354,189,000	17,375,091,000	18,088,214,000	2,230,467,000	20,076,364,000	20,366,138,000	20,568,884,000		19,083,388,000	18,089,062,000	17,803,814,000		17,799,026,000	17,469,627,000	17,198,860,000	2,363,403,000	16,733,767,000	17,169,062,000	16,021,434,000	15,398,669,000	14,507,126,000	13,481,429,000	13,510,629,000	8,063,752,000	2,926,143,000	3,007,294,000	2,984,976,000	2,901,065,000	3,079,020,000	3,038,969,000	2,825,537,000	2,544,667,000	2,597,652,000	1,934,925,000	1,978,805,000	1,987,480,000	1,775,822,000	1,684,577,000	1,789,100,601	1,717,381,436	1,590,232,679	1,365,531,000
liabilities and stockholders’ equity
liabilities:
deposits:
noninterest bearing	3,507,659,000	3,485,502,000	3,362,842,000		3,722,985,000	3,671,192,000	3,652,592,000		4,249,788,000	4,229,247,000	4,504,621,000		5,590,952,000	5,689,992,000	5,498,263,000		6,007,586,000	5,638,115,000	5,427,174,000		4,488,529,000	4,036,383,000	3,010,143,000	2,948,751,000	3,048,181,000	2,963,947,000	2,903,658,000	1,695,040,000															364,470,504	367,516,169	363,614,231
interest bearing:
money market and now accounts	4,799,038,000	4,910,645,000	4,779,899,000		4,289,042,000	4,118,651,000	4,393,971,000		4,424,918,000	4,188,584,000	4,331,998,000		5,885,093,000	6,339,467,000	6,484,677,000		5,871,567,000	5,786,697,000	5,009,419,000		4,763,893,000	4,831,679,000	4,851,000,000	3,086,920,000	3,454,660,000	3,481,231,000	3,318,728,000	1,951,561,000	690,398,000		688,355,000	599,995,000	547,468,000
savings deposits	1,196,450,000	1,192,354,000	630,572,000		724,263,000	789,209,000	919,093,000		430,765,000	224,495,000	231,704,000		317,841,000	326,927,000	321,373,000		314,603,000	308,651,000	305,326,000		308,943,000	296,614,000	272,577,000	223,562,000	233,014,000	289,924,000	304,719,000	181,779,000	127,905,000		137,410,000	135,917,000	136,821,000		113,614,000		128,490,000		138,567,000	139,854,000	141,327,000		102,095,797	99,623,611	111,673,686
time deposits	6,328,115,000	6,354,854,000	5,715,006,000		5,993,208,000	6,132,419,000	5,787,761,000		6,634,388,000	6,977,026,000	6,759,886,000		3,708,323,000	2,673,244,000	2,210,815,000		2,868,771,000	2,992,767,000	3,559,350,000		4,446,991,000	4,958,856,000	4,702,847,000	5,989,963,000	4,774,714,000	3,968,675,000
total deposits	15,831,262,000	15,943,355,000	14,488,319,000		14,729,498,000	14,711,471,000	14,753,417,000		15,739,859,000	15,619,352,000	15,828,209,000		15,502,209,000	15,029,630,000	14,515,128,000		15,062,527,000	14,726,230,000	14,301,269,000		14,008,356,000	14,123,532,000	12,836,567,000	12,249,196,000	11,510,569,000	10,703,777,000	10,702,505,000	6,467,411,000	2,176,098,000		2,202,656,000	2,130,389,000	2,281,792,000		2,098,312,000		1,946,843,000		1,649,317,000	1,719,576,000	1,650,623,000		1,544,109,207	1,496,523,270	1,357,263,314
fhlb and federal reserve bank (“frb”) borrowings	24,878,000	29,752,000	100,000,000		100,000,000	170,000,000	795,634,000		1,795,726,000	2,260,000,000	2,130,000,000
convertible notes and subordinated debentures	110,610,000	110,263,000	109,921,000		109,249,000	108,918,000
accrued interest payable	74,376,000	72,004,000	81,436,000		107,017,000	86,779,000	122,467,000		166,831,000	109,236,000	53,818,000		11,713,000	4,112,000	4,826,000		5,367,000	4,946,000	8,611,000		21,991,000	26,093,000	30,436,000	37,511,000	19,614,000	10,592,000	9,708,000	6,746,000	4,733,000		4,842,000	3,863,000	10,070,000		9,273,000		8,599,000		9,933,000	9,414,000	11,655,000		7,226,664	4,518,184	4,345,029
operating lease liabilities	58,762,000	60,885,000	40,922,000		47,015,000	47,104,000	49,749,000		55,873,000	57,951,000	57,500,000		59,334,000	62,990,000	54,759,000		55,095,000	52,177,000	48,575,000		54,798,000	57,672,000	58,827,000	62,833,000
other liabilities	151,951,000	106,641,000	87,685,000		91,625,000	121,192,000	124,630,000		170,512,000	133,988,000	116,369,000		126,267,000	78,919,000	83,430,000		68,514,000	61,333,000	60,743,000		83,047,000	104,834,000	75,843,000	42,358,000	31,432,000	50,795,000	86,864,000	51,978,000	14,042,000	32,916,000	10,800,000	10,003,000	18,776,000	48,442,000	31,228,000	40,413,000	10,362,000	37,056,000	13,470,000	16,130,000	19,127,000	30,753,000	17,217,107	10,312,504	12,617,830	20,472,000
total liabilities	16,251,839,000	16,322,900,000	14,908,283,000		15,184,404,000	15,263,809,000	15,975,944,000	109,224,000	18,045,940,000	18,298,140,000	18,510,304,000		17,107,663,000	16,088,693,000	15,762,757,000		15,724,628,000	15,376,757,000	15,153,279,000	309,658,000	14,693,206,000	15,138,286,000	14,003,346,000	13,452,458,000	12,561,793,000	11,603,382,000	11,656,058,000	7,101,770,000	2,561,807,000		2,628,874,000	2,549,436,000	2,715,199,000		2,535,852,000		2,367,139,000		1,802,183,000	1,824,971,000	1,756,853,000		1,649,226,273	1,604,414,298	1,486,150,253
commitments and contingent liabilities
stockholders’ equity:
common stock, 0.001 par value...	146,000	146,000	138,000		138,000	138,000	138,000		137,000	137,000	137,000		137,000	137,000	137,000		136,000	136,000	136,000		136,000	136,000	136,000	136,000	136,000	135,000	135,000	80,000	38,000		38,000	38,000	38,000		26,000		26,000		26,000	26,000	25,000		25,358	23,695	23,367
additional paid-in capital	1,521,669,000	1,520,129,000	1,445,153,000		1,442,993,000	1,440,963,000	1,439,484,000		1,436,769,000	1,433,788,000	1,430,977,000		1,428,052,000	1,424,891,000	1,422,602,000		1,420,151,000	1,418,135,000	1,417,137,000		1,432,773,000	1,430,757,000	1,429,275,000	1,424,029,000	1,405,806,000	1,401,275,000	1,400,915,000	541,625,000
retained earnings	1,152,810,000	1,139,913,000	1,185,721,000		1,174,100,000	1,167,978,000	1,159,593,000		1,140,870,000	1,127,624,000	1,106,390,000		1,048,738,000	1,011,715,000	976,483,000		897,766,000	859,548,000	823,085,000		774,970,000	761,734,000	752,228,000	687,404,000	578,031,000	489,486,000	445,104,000	413,122,000	126,032,000		115,365,000	111,338,000	128,288,000		137,643,000		152,939,000		103,338,000	95,387,000	88,192,000		73,804,784	66,572,824	61,610,738
treasury stock	-264,667,000	-264,667,000	-264,667,000		-264,667,000	-264,667,000	-264,667,000		-264,667,000	-264,667,000	-264,667,000		-264,667,000	-264,667,000	-250,000,000		-247,198,000	-200,000,000	-200,000,000		-200,000,000	-200,000,000	-200,000,000	-150,000,000
accumulated other comprehensive loss	-154,062,000	-171,404,000	-206,312,000		-182,779,000	-233,130,000	-222,278,000		-282,685,000	-228,884,000	-214,257,000		-236,535,000	-171,707,000	-108,165,000									-15,358,000	-38,640,000	-12,849,000											-3,878,000		-4,062,000	-6,143,000	-4,660,000
total stockholders’ equity	2,255,896,000	2,224,117,000	2,160,033,000		2,169,785,000	2,111,282,000	2,112,270,000		2,030,424,000	2,067,998,000	2,058,580,000		1,975,725,000	2,000,369,000	2,041,057,000		2,074,398,000	2,092,870,000	2,045,581,000		2,040,561,000	2,030,776,000	2,018,088,000	1,946,211,000	1,945,333,000	1,878,047,000	1,854,571,000	961,982,000	364,336,000		356,102,000	351,629,000	363,821,000		289,685,000		230,513,000		176,622,000	162,509,000	154,457,000		139,874,328	112,967,138	104,082,426
total liabilities and stockholders’ equity	18,507,735,000	18,547,017,000	17,068,316,000		17,354,189,000	17,375,091,000	18,088,214,000	2,230,467,000	20,076,364,000	20,366,138,000	20,568,884,000		19,083,388,000	18,089,062,000	17,803,814,000		17,799,026,000	17,469,627,000	17,198,860,000	2,363,403,000	16,733,767,000	17,169,062,000	16,021,434,000	15,398,669,000	14,507,126,000	13,481,429,000	13,510,629,000	8,063,752,000	2,926,143,000	3,007,294,000	2,984,976,000	2,901,065,000	3,079,020,000	3,038,969,000	2,825,537,000	2,544,667,000	2,597,652,000	1,934,925,000	1,978,805,000	1,987,480,000	1,911,310,000	1,684,577,000	1,789,100,601	1,717,381,436	1,590,232,679	1,365,531,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 230,565 and 231,124 at june 30, 2025 and december 31, 2024, respectively		247,246,000
loans receivable, net of allowance for credit losses of 149,505 and 150,527 at june 30, 2025 and december 31, 2024, respectively		14,285,282,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 233,080 and 231,124 at march 31, 2025 and december 31, 2024, respectively			250,176,000
loans receivable, net of allowance for credit losses of 147,412 and 150,527 at march 31, 2025 and december 31, 2024, respectively			13,187,882,000
selected performance ratios:
return on average assets				560								1,200				1,170
return on average stockholders’ equity				4,680								10,730				9,880
dividend payout ratio				68,070								30,910				33,710
net interest margin				2,550								3,360				3,090														3,750				3,150		3,960						4,950
yield on interest earning assets				5,690								4,160				3,420
cost of interest bearing liabilities				4,520								1,320				560
efficiency ratio				68,360								51,470				52,720
regulatory capital ratios:
tangible common equity (“tce”) ratio				10,050
hope bancorp:
common equity tier 1				13,060								10,550				11,030
tier 1 capital				13,790
total capital				14,780
tier 1 leverage				11,830								10,150				10,110
bank of hope:
asset quality data:
nonaccrual loans				90,564,000								49,687,000				54,616,000
accruing delinquent loans past due 90 days or more				229,000
accruing troubled debt restructured loans
total nonperforming loans				90,793,000								67,019,000				109,165,000
other real estate owned												2,418,000				2,597,000													2,708,000		3,591,000	4,709,000	5,856,000
total nonperforming assets				90,793,000								69,437,000				111,762,000
asset quality ratios:
nonaccrual loans to loans receivable				670								320				390
nonperforming assets to total assets				530								360				620
allowance for credit losses to loans receivable				1,110								1,050				1,010
allowance for credit losses to nonaccrual loans				166,210								326,760				257,340
net charge-offs (recoveries) to average loans receivable				190
investment securities held to maturity (“htm”), at amortized cost; fair value of 246,231 and 250,518 at september 30, 2024 and december 31, 2023, respectively					256,320,000
loans receivable, net of allowance for credit losses of 153,270 and 158,694 at september 30, 2024 and december 31, 2023, respectively					13,464,718,000
other real estate owned (“oreo”)									1,043,000	938,000	938,000		1,480,000	2,010,000	2,010,000		15,213,000	16,619,000	18,515,000		18,410,000	20,983,000	23,039,000	6,258,000	8,261,000	19,096,000	27,457,000	19,794,000
commitments to fund investments in affordable housing partnerships						18,345,000	20,675,000		8,940,000	9,322,000	9,608,000		12,399,000	14,498,000	8,842,000		10,286,000	10,654,000	13,354,000		16,975,000	20,078,000	20,688,000	40,709,000	35,495,000	31,530,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 237,621 and 250,518 at june 30, 2024 and december 31, 2023, respectively						258,068,000
loans receivable, net of allowance for credit losses of 156,019 and 158,694 at june 30, 2024 and december 31, 2023, respectively						13,410,983,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 242,717 and 250,518 at march 31, 2024 and december 31, 2023, respectively							261,601,000
loans receivable, net of allowance for credit losses of 158,758 and 158,694 at march 31, 2024 and december 31, 2023, respectively							13,560,420,000
customers’ liabilities on acceptances							780,000		250,000	659,000	1,267,000		570,000	2,913,000	1,676,000		1,808,000	916,000	754,000		880,000	488,000	1,951,000	1,896,000	1,220,000	2,771,000	2,694,000	2,769,000	12,358,000		13,179,000	12,588,000	11,243,000		7,771,000		12,067,000		9,195,000	9,583,000	6,982,000		7,970,457	9,855,848	6,834,193
convertible notes							444,000	444,000	444,000	444,000	206,658,000		216,913,000	216,678,000	216,444,000		215,974,000	215,739,000	215,504,000	204,565,000	203,270,000	201,987,000	200,716,000	195,754,000
subordinated debentures							108,148,000	107,825,000	107,505,000	107,188,000	106,875,000		106,258,000	105,953,000	105,652,000		105,057,000	104,762,000	104,469,000	104,178,000	103,889,000	103,602,000	103,318,000	102,201,000	101,117,000	100,067,000	99,548,000	42,371,000	39,268,000		39,268,000	39,268,000	39,268,000		39,268,000	37,683,000	39,268,000	37,187,000	39,268,000	39,268,000	39,268,000	37,156,000	39,268,000	39,268,000	39,268,000	37,126,000
acceptances outstanding							780,000		250,000	659,000	1,267,000		570,000	2,913,000	1,676,000		1,808,000	916,000	754,000		880,000	488,000	1,951,000	1,896,000	1,220,000	2,771,000	2,694,000	2,769,000	12,358,000		13,179,000	12,588,000	11,243,000		7,771,000		12,067,000		9,195,000	9,583,000	5,180,000		7,970,457	9,855,848	6,834,193
assets:
cash and cash equivalents								27,217,000												20,170,000
investment in bank subsidiary								2,191,747,000												2,335,336,000
accounts payable and other liabilities								955,000												915,000
stockholders’ equity								2,121,243,000												2,053,745,000										364,159,000				304,770,000		238,800,000		166,206,000				120,793,000				92,275,000
interest earning deposits in other financial institutions
investment securities held to maturity (“htm”), at amortized cost; fair value of 239,773 and 258,407 at september 30, 2023 and december 31, 2022, respectively									266,609,000
loans receivable, net of allowance for credit losses of 158,809 and 162,359 at september 30, 2023 and december 31, 2022, respectively									14,147,384,000
investment securities held to maturity (“htm”), at amortized cost; fair value of 255,344 and 258,407 at june 30, 2023 and december 31, 2022, respectively										269,760,000
loans receivable, net of allowance for credit losses of 172,996 and 162,359 at june 30, 2023 and december 31, 2022, respectively										14,691,814,000
investment securities available for sale, at fair value											1,959,715,000		1,993,348,000	2,100,006,000
investment securities held to maturity, at amortized cost; fair value of 263,094 and 258,407 at march 31, 2023 and december 31, 2022, respectively											272,274,000
loans held for sale, at the lower of cost or fair value											125,268,000		41,989,000	76,376,000	115,756,000		179,117,000	54,245,000	19,672,000		9,170,000	11,350,000	8,281,000	921,000	33,689,000	19,141,000	58,186,000	13,843,000	40,688,000		12,901,000	41,472,000	28,679,000		10,965,000
loans receivable, net of allowance for credit losses of 163,544 and 162,359 at march 31, 2023 and december 31, 2022, respectively											14,901,305,000
average stockholders’ equity to average assets												11,160				11,860
net interest spread												2,840				2,860														3,340				2,640		3,220						4,120
tier 1 risk-based												11,150				11,700
total risk-based												11,970				12,420
loans 90 days or more past due and still accruing												401,000				2,131,000
accruing restructured loans												16,931,000				52,418,000
nonperforming loans to loans receivable												440				780
nonperforming assets to loans receivable and other real estate owned												450				800
allowance for credit losses to nonperforming loans												242,260				128,750
allowance for credit losses to nonperforming assets												233,820				125,760
net (recoveries) charge-offs to average loans receivable												-80
interest bearing cash in other banks													101,086,000	15,076,000	11,912,000		343,359,000	543,135,000	90,266,000		313,797,000	941,322,000	546,592,000	401,661,000	451,981,000
interest bearing deposits in other financial institutions													3,968,000	6,448,000	11,627,000		12,340,000	18,268,000	25,943,000		30,345,000	31,238,000	29,162,000	30,141,000
investment securities held to maturity, at amortized cost; fair value of 258,677 and 0 at september 30, 2022 and december 31, 2021, respectively													271,185,000
loans receivable, net of allowance for credit losses of 160,561 and 140,550 at september 30, 2022 and december 31, 2021, respectively													15,330,626,000
operating lease right-of-use assets													55,362,000	58,573,000	50,209,000		50,603,000	47,772,000	44,179,000		52,308,000	55,328,000	56,696,000	62,360,000
fhlb and frb borrowings													1,072,000,000		772,000,000
investment securities held to maturity, at amortized cost; fair value of 257,669 and 0 at june 30, 2022 and december 31, 2021, respectively														252,991,000
loans receivable, net of allowance for credit losses of 151,580 and 140,550 at june 30, 2022 and december 31, 2021, respectively														14,394,469,000
fhlb advances														573,000,000			200,000,000	200,000,000	400,000,000		200,000,000	500,000,000	675,000,000	720,000,000	862,346,000	703,850,000	754,739,000	530,495,000		353,384,000				356,528,000
securities available for sale, at fair value															2,492,486,000		2,669,489,000	2,274,170,000	2,233,744,000		2,060,991,000	1,887,604,000	1,718,702,000	1,818,343,000	1,699,315,000	1,583,946,000	1,558,719,000	1,087,897,000	512,000,000		479,779,000	426,158,000	498,801,000		430,219,000		313,393,000		200,461,000	184,750,000	174,709,000		171,670,559	131,245,577	134,282,710
loans receivable, net of allowance for credit losses of 147,450 and 140,550 at march 31, 2022 and december 31, 2021, respectively															13,919,224,000
tier i risk-based																12,960
net charge-offs to average loans receivable																400
loans receivable, net of allowance for credit losses of 136,774 and 206,741 at september 30, 2021 and december 31, 2020, respectively																	13,281,917,000
accumulated other comprehensive income																	3,543,000	15,051,000	5,223,000		32,682,000	38,149,000	36,449,000				8,417,000	7,155,000	2,428,000		5,621,000	5,442,000	2,150,000		2,015,000
loans receivable, net of allowance for credit losses of 189,452 and 206,741 at june 30, 2021 and december 31, 2020, respectively																		13,234,849,000
loans receivable, net of allowance for credit losses of 207,943 and 206,741 at march 31, 2021 and december 31, 2020, respectively																			13,494,686,000
loans receivable, net of allowance for credit losses of 179,849 and 94,144 at september 30, 2020 and december 31, 2019, respectively																					12,940,376,000
loans receivable, net of allowance for credit losses of 161,771 and 94,144 at june 30, 2020 and december 31, 2019, respectively																						12,710,063,000
loans receivable, net of allowance for credit losses of 144,923 and 94,144 at march 31, 2020 and december 31, 2019, respectively																							12,438,493,000
hope bancorp, inc. and subsidiariesconsolidated statements of financial condition
loans receivable, net of allowance for loan losses of 94,217 and 92,557 at march 31, 2019 and december 31, 2018, respectively																								11,959,787,000
interest bearing deposits in other financial institutions and other investments																									78,940,000	43,958,000
loans receivable																									11,206,022,000	10,471,008,000	10,481,221,000	6,295,079,000
federal funds purchased
interest bearing deposits in other banks																										300,150,000	261,751,000	153,156,000
premises held for sale, at fair value																										3,300,000
other investments																											45,670,000	49,365,000		192,459,000				171,270,000		23,498,000		9,253,000				7,822,000				6,020,000
hope bancorp, inc. and subsidiariescondensed consolidated statements of financial condition
time deposits of 100,000 or more																											3,077,629,000	1,885,842,000	318,861,000		329,855,000	386,629,000	714,952,000		590,342,000		951,987,000		726,900,000	740,431,000	732,348,000		733,673,835	662,393,746	527,767,763
other time deposits																											1,097,771,000	753,189,000	636,355,000		683,947,000	665,439,000	521,750,000		732,519,000		195,413,000		195,430,000	205,585,000	183,041,000		108,895,582	100,161,033	83,504,544
bbcn bancorp, inc. and subsidiariescondensed consolidated statements of financial condition
interest-bearing deposit at federal reserve bank																													111,910,000		206,081,000	175,451,000	236,142,000
loans receivable, net of allowance for loan losses																													2,090,773,000		2,098,164,000	2,063,726,000	2,098,269,000		2,037,724,000		2,069,527,000		1,641,412,000	1,566,745,000	1,428,122,000		1,410,025,945	1,370,510,912	1,310,143,738
federal reserve bank stock, at cost																													6,367,000		6,362,000	6,362,000	4,399,000		2,320,000		2,293,000		2,253,000	2,253,000	1,803,000		1,803,300
federal home loan bank (fhlb) stock, at cost																													17,015,000		18,455,000	19,194,000	19,935,000		19,935,000		19,543,000		7,402,000	7,309,000	6,463,000		6,389,600	6,325,900	5,193,500
other intangible assets																													456,000		661,000	788,000	915,000		1,474,000		1,795,000		3,071,000	3,244,000	3,589,000		3,767,696
prepaid fdic insurance																													8,458,000
non-interest bearing																													402,579,000		363,089,000	342,409,000	360,801,000		297,540,000		352,252,000
federal home loan bank borrowings																													300,000,000		350,000,000	350,000,000	350,000,000
secured borrowings																													15,308,000		8,129,000	3,325,000	4,050,000
preferred stock, 0.001 par value - authorized 10,000,000 undesignated shares; issued and outstanding 67,000 shares of fixed rate cumulative perpetual preferred stock, series a with a liquidation preference of 67,428,000 at march 31, 2011 and december 31, 2010																													67,000,000
preferred stock discount																													-2,559,000		-3,033,000	-3,269,000	-3,503,000		-4,434,000
capital surplus																													171,397,000		171,111,000	171,080,000	169,848,000		82,669,000		81,426,000		77,320,000	73,239,000	70,900,000		68,633,307	47,464,965	45,071,723
interest-earning assets:
loans																														2,173,840,000				2,124,615,000		2,089,803,000		1,593,453,000				1,383,758,000				1,113,750,000
securities																														516,460,000				619,594,000		298,886,000		185,587,000				150,332,000				126,117,000
federal funds sold																														6,082,000			20,000,000	14,806,000	150,000,000	16,816,000	32,500,000	51,883,000	2,500,000	96,200,000	33,100,000	49,832,000	68,000,000	77,400,000	20,500,000	29,323,000
total interest-earning assets																														2,888,841,000				2,930,285,000		2,429,003,000		1,840,176,000				1,591,744,000				1,275,210,000
non-interest earning assets:
cash and due from bank																														29,844,000				71,025,000		33,376,000		34,757,000				35,577,000				39,993,000
intangible assets																														3,312,000				3,857,000		4,587,000		5,610,000				5,933,000		3,946,947	4,118,347	6,366,000
total non-interest earning assets																														118,453,000				108,684,000		115,664,000		94,749,000				92,833,000				90,321,000
interest-bearing liabilities:
demand, interest-bearing																														608,051,000				467,764,000		280,055,000		210,604,000				254,752,000				265,591,000
savings																														135,008,000				125,877,000		133,791,000		136,846,000				107,695,000				133,288,000
time certificates																														1,118,383,000				1,397,419,000		1,113,667,000		924,288,000				718,141,000				444,842,000
other borrowings																														42,895,000				37,883,000
total interest-bearing liabilities																														2,257,721,000				2,385,471,000		1,937,338,000		1,357,874,000				1,177,600,000				919,247,000
non-interest bearing liabilities and equity
demand deposits																														352,498,000				300,286,000		328,116,000		373,789,000				355,431,000				333,537,000
net interest income and yield:
net interest income																														108,384,000				92,346,000		96,221,000		94,615,000				78,860,000				58,385,000	35,107,000
net interest margin, excluding non-accrual interest																														3,800				3,200		3,990
net interest margin, excluding non-accrual interest and loan prepayment fee income																														3,780				3,180		3,920
cost of funds																														1,610				2,450		3,120						2,460
preferred stock, 0.001 par value - authorized 10,000,000 undesignated shares; issued and outstanding 67,000 shares of fixed rate cumulative perpetual preferred stock, series a with a liquidation preference of 67,428,000 at september 30, 2010 and december 31, 2009																															67,000,000
preferred stock, 0.001 par value - authorized 10,000,000 undesignated shares; issued and outstanding 67,000 shares of fixed rate
cumulative perpetual preferred stock, series a with a liquidation preference of 67,428,000 at june 30, 2010 and december 31, 2009																																67,000,000
cumulative perpetual preferred stock, series a with a liquidation preference of 67,428,000 at march 31, 2010 and december 31, 2009																																	67,000,000
money market and other																																			364,297,000		318,701,000		202,157,000	228,435,000	218,235,000		234,973,489	266,828,711	270,703,090
borrowings from federal home loan bank																																			350,000,000		350,000,000						31,000,000	43,000,000	63,500,000
cumulative perpetual preferred stock, series a with a liquidation preference of 67,000,000 at march 31, 2009 and december 31, 2008, respectively																																			67,000,000
common stock warrant																																			4,766,000
fhlb and other borrowings																																				372,142,000		48,949,000				59,856,000
non-interest bearing liabilities
loans held for sale, at the lower of cost or market																																					4,705,000		9,103,000	13,037,000	17,083,000		8,173,108	11,630,610	7,083,797
preferred stock, 0.001 par value...
interest income																																						155,831,000								77,071,000	48,571,000
interest expense																																						61,216,000								18,686,000	13,464,000
benefit from loan losses																																						3,754,000
non-interest income																																						19,299,000								20,733,000	18,001,000
non-interest expense																																						53,957,000								41,979,000	32,341,000
income before income tax provision																																						56,203,000
income tax provision																																						22,397,000								13,457,000	6,777,000
net income																																						33,806,000								19,782,000
net interest margin, excluding loan prepayment fee income
term federal funds sold																																									7,000,000		12,000,000	12,000,000	12,000,000
securities held to maturity, at amortized cost																																							1,000,000	1,000,000	1,001,000		2,000,755
cash surrender value of life insurance																																							15,000,000	14,885,000	14,640,000		14,536,417	14,432,923	14,321,650
noninterest-bearing																																							386,263,000	405,271,000	375,672,000
interest-bearing:
borrowings from the federal home loan bank																																							81,000,000
borrowing from federal home loan bank																																								31,000,000	31,000,000
interest bearing deposits with other financial institutions																																											95,000	95,000	95,000
interest-only strips, at fair value																																											603,534	669,893	676,928
interest rate swaps, at fair value																																											62,294	273,033
deferred compensation
accumulated other comprehensive loss, net:																																											-2,589,121	-1,094,346
securities held to maturity, at amortized cost (fair value:
june 30, 2005 - 2,051,865; december 31, 2004- 2,087,717)																																												2,000,861
federal reserve bank stock , at cost																																												1,803,300	1,803,300
march 31, 2005 - 2,069,658; december 31, 2004- 2,087,717)																																													2,000,966
deferred income taxes																																													15,477,830
interest rate swaps — at fair value																																													2,321,887
accumulated other comprehensive income, net:																																													-2,623,402
benefit from (recapture of) loan losses																																														3,900,000	2,686,000
income before income tax provision and cumulative effect of a change in accounting principle																																														33,239,000
income before cumulative effect of a change in accounting principle																																														19,782,000
cumulative effect of a change in accounting principle																																															4,192,000
noninterest-earning assets:
subordinated notes
fhlb																																														38,400,000
noninterest-bearing liabilities
earnings before income tax																																															18,081,000
net earnings before cumulative effect of a change in accounting principle																																															11,304,000
net earnings after cumulative effect of a change in accounting principle																																															15,496,000
net loans
time deposits with other banks
securities and others
net yield on interest-earning assets

Cashflow Statements:

Quarterly

Annual

Unit: USD	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	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-06-30	2019-03-31	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-03-31	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-03-31	2003-09-30	2003-06-30	2003-03-31	2002-06-30

cash flows from operating activities
net income	30,843,000	-27,881,000	21,096,000	24,337,000	24,159,000	25,270,000	25,864,000	26,481,000	30,049,000	38,022,000	39,121,000	51,703,000	53,748,000	52,088,000	60,738,000	51,623,000	55,499,000	53,763,000	43,687,000	28,319,000	30,490,000	26,753,000	25,953,000	42,681,000	42,758,000	51,232,000	44,564,000	40,687,000	36,210,000	23,623,000	6,746,000					-3,180,000	9,357,000	8,669,000	7,901,000	7,879,000	7,910,247	7,929,087	5,612,584	5,405,082	4,143,284	10,356,777	6,652,443		9,247,047
adjustments to reconcile net income to net cash from operating activities:
discount accretion, net of depreciation and amortization	28,256,000	7,848,000	10,197,000	24,658,000	9,969,000	12,661,000	5,424,000	5,919,000	2,306,000	3,494,000	3,850,000	4,529,000	3,939,000	5,418,000	6,201,000		6,091,000	7,086,000	6,638,000		3,972,000	4,467,000	-2,497,000	-590,000	1,494,000	-2,077,000
stock-based compensation expense	1,985,000	1,686,000	1,886,000	2,421,000	2,072,000	1,735,000	2,689,000	3,575,000	3,033,000	3,383,000	2,351,000	2,978,000	3,227,000	3,460,000	2,598,000	1,563,000	2,193,000	2,070,000	2,572,000	2,147,000	2,176,000	1,814,000	1,990,000	1,511,000	815,000	953,000	792,000	760,000	746,000	22,000	27,000	-219,000	31,000	192,000	48,000	578,000		333,000	359,000	288,000
provision for credit losses	8,710,000	15,000,000	4,800,000	10,000,000	3,280,000														3,300,000	27,500,000	22,000,000	17,500,000	28,000,000
net gains on sales of loans	-2,923,000	-4,078,000	-4,920,000	-3,475,000	-2,869,000	-2,117,000	-73,000	-148,000	-156,000	-1,774,000	-2,244,000	-2,797,000	-2,928,000																									-922,000	-1,096,000	-1,717,000	-2,297,400	-1,846,886	-1,093,617	-749,097
gains on boli	-694,000	-686,000	-415,000	-432,000							-351,000
net change in fair value of derivatives	-2,322,000	-1,081,000	-2,162,000	-3,442,000	-1,761,000	-4,152,000	-4,010,000						-10,000					85,000	6,000	-103,000	901,000	-375,000	-561,000	-23,000	-39,000	-19,000	-19,000	32,000	33,000
valuation on hfs loans				0
net losses on sale of investment securities afs	0
net change in deferred income taxes	7,520,000	-3,236,000	3,645,000	1,282,000	300,000	-474,000	4,175,000	-1,552,000	2,528,000	-924,000	4,088,000	-3,568,000	-8,276,000	2,824,000	65,000	-10,362,000	20,843,000	4,970,000	4,175,000	-4,270,000	-6,812,000	-6,063,000	-853,000	-308,000	4,241,000	4,442,000	-1,653,000	-4,638,000	7,182,000
proceeds from sales of loans held for sale	39,506,000	58,349,000	27,161,000	23,699,000	-6,322,000	40,146,000	6,226,000	67,701,000	10,415,000	44,465,000	12,883,000	64,113,000	19,639,000	66,793,000	88,359,000	50,782,000	32,533,000	76,056,000	69,931,000	53,968,000	107,388,000	69,044,000	74,660,000	27,301,000	36,919,000	92,850,000	83,408,000	68,159,000	70,254,000	25,900,000
originations of loans held for sale	-48,518,000	-59,722,000	-7,148,000	-6,345,000	21,380,000	-44,069,000	-5,508,000	-3,719,000	-7,096,000	-23,347,000	-23,385,000	-3,051,000	-31,846,000	-3,653,000	-16,916,000	-41,441,000	-46,974,000	-33,963,000	-69,783,000	-61,485,000	-102,362,000	-71,375,000	-33,061,000	-32,095,000	-17,465,000	-90,004,000	-89,209,000	-57,839,000	-53,903,000	-29,593,000	-20,326,000		-10,866,000	-5,848,000	-2,207,000	-467,000		-17,973,000	-14,799,000	-22,802,000	-47,321,460	-26,392,398	-23,895,001	-15,713,141
originations of servicing assets	-1,377,000	-1,986,000	-1,444,000	-1,405,000	-1,090,000	-742,000	-7,000	-7,000	-36,000	-884,000	-965,000	-972,000	-1,338,000	-1,427,000	-1,463,000	-841,000	-710,000	-737,000	-592,000		-1,190,000	-759,000	-377,000	-619,000	-327,000	-1,716,000	-1,484,000	-1,316,000	-1,296,000
net change in accrued interest receivable	430,000	1,615,000	1,183,000	729,000	5,747,000	2,671,000	1,404,000	-2,008,000	-939,000	-3,695,000	-2,544,000	-13,332,000	-4,996,000	-2,613,000	3,693,000		4,614,000	8,612,000	-1,668,000		-5,130,000	-22,409,000	322,000	851,000	-2,606,000	825,000	-3,505,000	43,000	1,197,000
net change in other assets	-19,967,000	-1,281,000	6,789,000	-36,226,000	20,599,000	-14,178,000	24,690,000	67,052,000	39,382,000	-16,277,000	15,798,000	983,000	-42,000	-36,321,000	31,861,000		10,416,000	-26,512,000	20,938,000		-1,732,000	-16,764,000	-42,527,000	-23,758,000	3,782,000	11,515,000	9,324,000	-16,897,000	6,981,000
net change in accrued interest payable	2,372,000	-10,376,000	-12,348,000	-13,233,000	20,238,000	-35,688,000	-45,707,000	1,343,000	57,595,000	55,418,000	27,150,000	14,955,000	7,601,000	-714,000	554,000		421,000	-3,665,000	-6,095,000		-4,102,000	-4,343,000	-3,374,000	-524,000	6,137,000	3,653,000	1,885,000	1,263,000	-271,000
net change in other liabilities	7,910,000	-3,646,000	-21,653,000	27,909,000	-32,818,000	-7,983,000	11,798,000	-77,148,000	36,462,000	23,328,000	-4,534,000	-7,104,000	47,598,000	-4,691,000	21,775,000		7,286,000	590,000	-16,558,000		-21,787,000	28,941,000	22,575,000	345,000	-6,813,000	-15,656,000	1,748,000	-4,157,000	-850,000
net cash from operating activities	51,731,000	9,381,000	26,667,000	49,639,000	63,038,000	-25,574,000	29,619,000	78,559,000	192,800,000	126,274,000	76,144,000	118,288,000	100,654,000	82,931,000	183,662,000	101,335,000	81,044,000	83,714,000	58,118,000	43,642,000	22,518,000	27,889,000	71,867,000	16,588,000	72,832,000	52,253,000	44,407,000	22,693,000	71,218,000	4,855,000	9,709,000	-126,462,000	57,467,000	42,298,000	24,853,000	13,218,000	-25,547,000	6,368,000	6,320,000	14,524,000	809,409	18,879,574	2,101,823	7,132,194	464,606
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
free cash flows	51,731,000	9,381,000	26,667,000	49,639,000	63,038,000	-25,574,000	29,619,000	78,559,000	192,800,000	126,274,000	76,144,000	118,288,000	100,654,000	82,931,000	183,662,000	101,335,000	81,044,000	83,714,000	58,118,000	43,642,000	22,518,000	27,889,000	71,867,000	16,588,000	72,832,000	52,253,000	44,407,000	22,693,000	71,218,000	4,855,000	9,709,000	-126,462,000	57,467,000	42,298,000	24,853,000	13,218,000	-25,547,000	6,368,000	6,320,000	14,524,000	809,409	18,879,574	2,101,823	7,132,194	464,606
cash flows from investing activities
purchase of investments in tax credit structures
investment securities available for sale:
purchase of securities	-30,871,000	-632,614,000	-54,041,000	-138,457,000	-56,208,000	-43,137,000	-37,154,000	-87,221,000	-192,137,000	-177,983,000	-2,775,000	-16,700,000	-73,456,000
proceeds from matured, called, or paid-down securities	53,794,000	41,517,000	71,030,000	57,502,000	53,219,000	42,059,000	151,551,000	37,295,000	45,988,000	189,097,000	45,038,000	47,389,000	66,294,000
proceeds from sales and calls of securities	0
investment securities held to maturity:
purchase of equity investments	-348,000	-1,871,000	-45,726,000	-406,000	-396,000	-391,000	-388,000	-373,000	-355,000	-322,000	-247,000	-154,000	604,000
proceeds from redemptions of equity investments	139,000	72,000	62,000	234,000
proceeds from sales of loans held for sale previously classified as held for investment	28,523,000	50,393,000	58,269,000	111,431,000
net change in loans receivable	-189,738,000	-96,778,000	215,824,000	-127,155,000	-89,705,000	66,869,000	132,181,000	414,651,000	383,855,000	150,249,000	176,163,000	-2,011,000	-968,370,000	-544,469,000	-165,294,000	-612,169,000	-107,685,000	186,827,000	-138,554,000	-441,721,000	-246,982,000	-284,433,000	-300,852,000	34,263,000	22,561,000	-188,437,000	-122,419,000	-268,060,000	-17,288,000	-120,570,000	-14,680,000		-51,988,000	-60,472,000	8,263,000	-5,010,000		-69,303,000	-60,908,000	-78,937,000	-18,953,768	-40,485,033	-62,317,174	-104,686,025
proceeds from sales of oreo				0	0	0	63,000	900,000	0	0	1,209,000	0	193,000	0	331,000	11,923,000	1,147,000	713,000	1,437,000	0	891,000	621,000	946,000	1,109,000	1,632,000	1,202,000	3,936,000	3,412,000	194,000	2,617,000	422,000		2,079,000	5,663,000	666,000	364,000
redemption of fhlb and frb stock	900,000
purchase of premises and equipment	-4,562,000	-2,489,000	-2,659,000	-2,267,000	-2,900,000	-2,533,000	-2,114,000	-2,000,000	-3,404,000	-4,727,000	-2,992,000	-2,563,000	-2,023,000	-2,379,000	-2,146,000	-2,467,000	-2,080,000	-1,169,000	-1,504,000	-925,000	-944,000	-1,706,000	-1,398,000	-1,559,000	-1,541,000	-2,302,000	-5,649,000	-2,131,000	-2,491,000	-2,303,000	-397,000		-1,007,000	-674,000	-773,000	-447,000		-3,065,000	-988,000	-933,000	-589,676	-1,598,219	-382,031	-409,074	-184,125
proceeds from boli death benefits	1,845,000							0	0	0	587,000	0				-564,000	1,271,000							1,107,000	256,000
investments in affordable housing partnerships	-2,368,000			0	-485,000	-2,330,000	-342,000	-2,881,000	-382,000	-286,000	-2,184,000	-607,000	-2,099,000	-525,000	-672,000	-772,000	-742,000	-2,700,000	-154,000	-1,827,000	-3,103,000	-610,000	-7,793,000	-6,472,000	-5,798,000	-2,972,000	-1,496,000	-5,601,000	-1,379,000
net cash received from merger with territorial	0
net cash from investing activities	-145,267,000	410,216,000	245,800,000	7,657,000	32,694,000	179,043,000	247,124,000	353,375,000	365,806,000	265,796,000	304,906,000	44,316,000	-921,168,000	-449,050,000	-147,724,000	-470,692,000	-562,290,000	169,997,000	-130,055,000	-680,490,000	-426,160,000	-455,359,000	-272,623,000	100,147,000	104,826,000	-213,182,000	-331,992,000	-364,057,000	-46,725,000	-184,857,000	598,000		-102,675,000			-25,790,000		-86,052,000	-57,156,000	-91,341,000	-18,022,603	-83,330,781	-59,730,920	-107,859,696	-43,474,240			-54,462,914
cash flows from financing activities
net change in deposits	-117,898,000	-215,390,000	160,830,000	-402,009,000	18,027,000	-41,946,000	-336,000	-986,106,000	120,507,000	-208,857,000	89,408,000	236,592,000	472,579,000	514,502,000	-525,322,000	-22,077,000	336,297,000	424,961,000	-32,643,000	325,556,000	-115,176,000	1,286,965,000	309,203,000	-76,812,000	93,540,000	663,961,000	38,425,000	252,542,000	65,218,000	126,459,000	-16,000
proceeds from fhlb advances	15,000,000	0	100,000,000	200,100,000	100,000,000	200,000,000	100,000,000	100,000,000	100,000,000	1,050,000,000	4,200,000,000	100,000,000	5,190,000,000			779,000,000	100,000,000	300,000,000	1,140,000,000	350,000,000	100,000,000	110,000,000	800,000,000	340,000,000	175,000,000		390,000,000	375,000,000	50,000,000	150,000,000
repayment of fhlb advances	-20,000,000	-230,000,000	-100,000,000	-200,100,000	-100,000,000	-200,000,000	-100,000,000	-100,000,000	-100,000,000	-1,050,000,000	-4,700,000,000	-200,000,000	-5,063,000,000			-679,000,000	-100,000,000	-500,000,000	-990,000,000	-300,000,000	-403,584,000	-285,000,000	-750,000,000	-365,000,000	-275,000,000	-295,000,000	-165,000,000	-285,000,000	-100,000,000	-150,000,000
proceeds from frb borrowings	66,100,000	100,000	172,000,000	472,000,000	0	676,100,000	110,000,000	0	208,000,000	18,764,000,000	17,132,000,000	8,901,000,000	6,802,000,000	724,000,000	121,000,000
repayment of frb borrowings	-66,100,000	-100,000	-311,000,000	-333,000,000	-70,000,000	-1,301,734,000	-1,110,092,000	0	-672,274,000	-18,634,000,000	-15,367,000,000	-9,008,000,000	-6,430,000,000	-796,000,000	-49,000,000
cash dividends paid on common stock	-17,946,000	-17,927,000	-16,908,000	-16,904,000	-16,904,000	-16,885,000	-16,818,000	-16,804,000	-16,803,000	-16,788,000	-16,730,000	-16,729,000	-16,725,000	-16,856,000	-16,816,000	-16,828,000	-17,281,000	-17,300,000	-17,257,000	-17,258,000	-17,254,000	-17,247,000	-17,423,000	-17,734,000	-17,729,000	-17,618,000	-17,588,000	-16,228,000	-16,229,000	-8,752,000
taxes paid in net settlement of restricted stock	-445,000	-29,000	-2,106,000	-41,000	-42,000	-256,000	-3,168,000	-381,000	-52,000	-572,000	-2,377,000	-27,000	-66,000	-1,171,000	-2,224,000	-22,000	-177,000	-1,081,000	-2,076,000	-4,000	-160,000	-332,000	-781,000	-278,000	-194,000	-273,000
issuance of additional stock pursuant to various stock plans	0											0	0	0	531,000									0	3,000	112,000	629,000	397,000	252,000	7,000	6,000	95,000	0
net cash from financing activities	-141,289,000	-463,345,000	2,816,000	-279,954,000	-68,919,000	-684,721,000	-1,020,414,000	-1,003,290,000	-360,622,000	-302,368,000	1,324,811,000	12,836,000	954,788,000	282,808,000	-71,831,000	58,271,000	271,641,000	206,580,000	98,024,000	358,294,000	-436,174,000	1,094,386,000	304,222,000	-119,824,000	-24,380,000	281,282,000	246,466,000	326,711,000	-759,000	117,714,000	-47,297,000	222,718,000	76,234,000			158,220,000	-173,425,000	-17,219,000	70,232,000	124,599,000	-17,660,713	55,276,918	118,893,213	74,323,582	10,893,993			28,166,853
net change in cash and cash equivalents	-234,825,000	-43,748,000	275,283,000	-222,658,000	26,813,000	-531,252,000	-743,671,000	-571,356,000	197,984,000	89,702,000	1,705,861,000	175,440,000	134,274,000	-83,311,000	-35,893,000	-311,086,000	-209,605,000	460,291,000	26,087,000	-278,554,000	-839,816,000	666,916,000	103,466,000	-3,089,000	153,278,000	120,353,000	-41,119,000	-14,653,000	23,734,000	-62,288,000	-36,990,000	-112,579,000	31,026,000	-76,895,000	154,438,000	145,648,000	35,577,000	-96,903,000	19,396,000	47,782,000	-34,873,907	-9,174,289	61,264,116	-26,403,920
cash and cash equivalents, beginning of period	0	0	458,199,000	0	0	0	1,928,967,000	0	0	0	506,776,000	0	0	0	316,266,000	0	0	0	350,579,000	0	0	0	698,567,000	0	459,606,000	492,000,000	0	0	437,334,000	298,389,000	172,331,000		0	0	125,592,000	49,057,000		0	0	66,024,000		0	0	87,212,221	76,438,497	104,742,728	104,742,728	104,742,728
cash and cash equivalents, end of period	-234,825,000	-43,748,000	733,482,000	-222,658,000	26,813,000	-531,252,000	1,185,296,000	-571,356,000	197,984,000	89,702,000	2,212,637,000	175,440,000	134,274,000	-83,311,000	280,373,000	-311,086,000	-209,605,000	460,291,000	376,666,000	-278,554,000	-839,816,000	666,916,000	802,033,000	-3,089,000	612,884,000	612,353,000	-41,119,000	-14,653,000	461,068,000	236,101,000	135,341,000		31,026,000	-76,895,000	280,030,000	194,705,000		-96,903,000	19,396,000	113,806,000		-9,174,289	61,264,116	60,808,301	44,322,856	37,732,183	64,396,585	82,920,048
supplemental disclosures of cash flow information
cash paid for interest	115,298,000
cash paid for income taxes	0
supplemental disclosures of non-cash activities
transfer from loans receivable to loans held for sale	37,731,000	56,810,000	59,068,000	114,464,000	59,864,000			39,109,000	145,027,000	74,776,000	162,483,000	92,248,000	47,032,000	67,702,000	104,553,000		193,199,000				0	0	1,002,000	49,601,000	33,390,000	6,155,000	-14,161,000	5,139,000	9,451,000
transfer from loans held for sale to loans receivable				0				0	0			3,697,000	4,227,000	679,000	3,418,000						0	933,000	1,451,000	0	5,181,000	43,000	1,435,000	235,000	159,000
transfer from premises and equipment to premises held for sale																											0	0	3,300,000
lease liabilities arising from obtaining rou assets	2,059,000					1,346,000	712,000	402,000	1,493,000	4,082,000	2,031,000
new commitments to fund investments in renewable energy tax credits
merger with territorial
identifiable assets acquired, net of cash	-226,000
liabilities assumed	0
goodwill	226,000
issuance of common stock as consideration	0
interest paid			128,360,000	137,384,000	109,706,000	162,103,000	190,011,000	141,646,000	82,503,000	78,939,000	76,822,000	58,219,000	27,855,000	16,465,000	10,609,000	12,414,000	11,619,000	16,764,000	21,284,000	26,674,000	30,115,000	38,035,000	49,410,000	55,270,000	47,182,000	26,773,000	22,796,000	21,853,000	21,767,000	11,115,000	8,408,000		8,541,000	15,992,000	16,022,000	14,896,000		15,683,000	17,336,000	9,811,000	10,130,350	8,022,370	8,326,870	5,828,410	3,810,701
income taxes paid			1,639,000	1,593,000	6,998,000	18,541,000	2,091,000	33,817,000	2,101,000	3,404,000	1,665,000	25,923,000	15,253,000	53,905,000	1,317,000	-948,000	7,196,000	34,713,000	1,240,000	13,855,000	33,588,000	0	1,777,000	33,429,000	1,730,000	1,249,000	24,070,000	60,153,000	1,161,000	20,862,000	45,000		-673,000	105,000	714,000	75,000		6,554,000	9,614,000	1,875,000	5,498,010	4,514,990	4,600,000	320,000	1,672,500
rou assets obtained in exchange for lease liabilities			482,000	661,000
distribution gain from investment in affordable housing partnerships				-1,000				0	0
write-down of rou assets
net gain on sale of investment securities afs				-837,000
redemption of interest earning deposits in other financial institutions								0	0	0	735,000
investment securities afs:
proceeds from sale of securities
investment securities htm:
proceeds from sales of equity investments
purchase of loans receivable								-2,030,000	-268,000			-8,611,000	-19,719,000	0	-27,936,000	0	-116,717,000
purchase of fhlb stock								0	0	0	-4,650,000	0	-3,300,000	-14,778,000	-3,300,000					0	0	-372,000	-974,000	0	-155,000		-6,075,000											0			100	0	-1,033,400	-391,700
redemption of fhlb stock								0	0	0	6,030,000	270,000	2,192,000	15,886,000	1,650,000					0	0	1,347,000	2,156,000	0	4,036,000	810,000	0	0	761,000
purchase of boli policy								0	0	0	-11,000,000
repurchase of convertible notes								0	0
repayment of convertible notes								0	0
purchase of treasury stock												0	0			-2,802,000				0	0	0	-36,777,000
transfer from loans receivable to oreo								0												1,949,000	0	0	979,000			806,000	0	7,036,000	137,000	1,895,000
transfer from investment securities afs to htm, at fair value
proceeds from sales and calls of securities available for sale					65,105,000
gain on debt extinguishment										-169,000	-236,000
proceeds from sales of other loans held for sale previously classified as held for investment								-8,631,000	128,397,000	107,813,000	99,180,000	22,969,000	71,318,000	47,807,000	18,711,000	156,597,000	71,768,000				0	0	1,053,000	49,955,000	33,644,000
provision for credit loss on loans							3,600,000
(credit) provision for unfunded loan commitments							-1,000,000
amortization of investments in affordable housing partnerships							54,000	2,503,000	1,856,000	1,894,000	1,640,000
provision (credit) for credit losses										8,900,000	1,700,000	8,200,000
provision for unfunded loan commitments								700,000	62,000	110,000	1,620,000		-250,000	180,000	200,000			0	105,000			50,000	610,000
net losses on sales of oreo											271,000	0						-27,000	14,000	0	27,000	20,000	61,000			-72,000					-2,000		62,000	567,000	-15,000	130,000
software impairment																0	0
purchase of interest earning deposits in other financial institutions
new commitments to fund affordable housing partnership investments																											0	18,000,000	8,500,000
provision for accrued interest receivables on loans												-543,000	150,000	1,300,000	200,000	76,000	170,000	0	600,000
valuation adjustment of oreo												0	139,000	0	276,000	1,038,000	247,000	181,000	155,000	-208,000	1,655,000	1,072,000	765,000	93,000	60,000		591,000	818,000	592,000	695,000	27,000		949,000	785,000	157,000	503,000
net change in fair value of equity investments with readily determinable fair value											-69,000	-6,000	-194,000	865,000	1,247,000			-77,000	484,000	54,000	0	-188,000	-354,000	-313,000	-912,000
transfer from investment securities available for sale to held to maturity, at fair value												0	0
repurchase of convertible debt											-10,490,000
provision (credit) for unfunded loan commitments																				0
write-down of right-of-use assets
net gains on sales and calls of securities available for sale
losses on investments in affordable housing partnerships												2,473,000	4,189,000	1,769,000	1,943,000	2,694,000	2,573,000	2,878,000	2,629,000		3,805,000
payment of fhlb prepayment fee
purchase of interest bearing deposits in other financial institutions																-2,241,000	-1,245,000	-498,000	-249,000	-1,494,000	-7,217,000
redemption of interest bearing deposits in other financial institutions												3,233,000	2,480,000	5,179,000	1,224,000	1,730,000	7,173,000	8,173,000	2,948,000	3,197,000	8,110,000	7,605,000	2,205,000	7,349,000	2,698,000
lease liabilities arising from obtaining right-of-use assets												3,279,000	260,000	12,140,000	1,298,000	0								0	62,833,000
losses on boli													904,000
net losses on sale and disposal of premises and equipment																				56,000						33,000
proceeds from sale of equity investments																458,000	452,000	153,000	214,000	0
credit for credit losses
net gains on sales of oreo																									-3,000					-132,000
(credit) provision for credit losses															-11,000,000	1,500,000	-10,000,000
net gains on sales of sba loans															-5,603,000	-3,614,000	-2,459,000
net gains on sales of residential mortgage loans															-757,000	-530,000
earnings on boli															-309,000				-324,000	623,000	-338,000	-621,000	-90,000	-377,000	-367,000	-387,000	-401,000	-23,000	-394,000
purchase of securities available for sale															-85,171,000	-165,145,000	-571,259,000	-213,383,000	-209,270,000	-405,646,000	-511,347,000	-300,021,000	-56,355,000			-77,531,000	-259,633,000	-150,308,000	-94,890,000	-99,566,000	-19,808,000					-90,590,000		-18,434,000	-4,963,000	-15,253,000	-9,477,363	-46,906,272	-10,666,367	-14,854,998
proceeds from matured, called, or paid-down securities available for sale															114,879,000	141,958,000	155,627,000	182,053,000	215,077,000	176,715,000	166,162,000	131,891,000	90,594,000	64,020,000	50,923,000
proceeds from fhlb borrowings															3,123,000,000																		0	0	10,000,000						71,000,000	0	21,000,000	38,500,000
repayment of fhlb borrowings															-2,723,000,000																-50,000,000		0	0	-10,000,000							-12,000,000
discount accretion, net of amortization and depreciation
payment of fhlb advance prepayment fee
change in accrued interest receivable																														-465,000	-83,000		-334,000	1,451,000	1,538,000	-108,000		-639,000	-92,000	-74,000	-758,168	-697,526	-7,172	-1,033,134
change in other assets																														-18,978,000	628,000	-2,088,000	9,052,000	-8,781,000	1,087,000	-3,444,000	3,311,000	-858,000	309,000	-1,602,000	3,131,796	-3,880,880	-846,889	-663,027
change in accrued interest payable																														739,000	-97,000		979,000	-6,207,000	-2,604,000	724,000		519,000	-2,241,000	2,900,000	1,527,945	2,708,480	173,155	933,420
change in other liabilities																														-981,000	2,774,000				5,172,000			-1,273,000	-3,422,000	1,582,000	-4,199,261	5,240,241
proceeds from sales of securities available for sale																																	0	0	208,141,000	43,712,000					105	0	6,483,925	7,416,970
loans transferred to held for sale from loans receivable
loans transferred to loans receivable from held for sale
loss (earnings) on boli																	-328,000
proceeds from sale of securities available for sale
net gains on sales of other loans																		-1,028,000	-2,096,000		-2,853,000
discount accretion, net amortization and depreciation
net gains on sales of sba and other loans																								-1,066,000	-741,000	-4,646,000	-4,478,000	-3,619,000	-3,670,000	-1,825,000	-1,160,000		-4,033,000	-979,000	-43,000	-387,000
net gains on sales or called securities available for sale
losses on investments in affordable housing partnership																							2,480,000	2,330,000	2,886,000	2,546,000
origination of servicing assets
proceeds from sales of other loans
repayment of federal funds purchased
proceeds from convertible notes, net of issuance fees
transfer of investments available for sale and other investments to equity investments
equity component of convertible notes, net of tax
net gains on sales other loans																							-1,855,000
purchases of interest bearing deposits in other financial institutions																							-2,205,000	-7,840,000	-3,430,000
benefit from loan losses																								1,200,000	3,000,000		5,400,000											1,170,000	142,000	1,080,000		970,000			1,500,000
credit for unfunded loan commitments																										-200,000
net incomees on sale and disposal of premises and equipment																								62,000	13,000
net incomees (gains) on sales of oreo
net gains on sales of securities available for sale																																	-4,000	-96,000	-6,296,000	-784,000					461	-800	-127,503	-15,158
transfer of available for sale securities to equity investments with adoption of asu 2016-01
provision for loan losses																										2,500,000			5,600,000	500,000	5,262,000		11,100,000	42,323,000	25,407,000	15,670,000								1,650,000
valuation adjustment of premises held for sale																											0	0	1,084,000
net change in fair value of equity investments																										-3,519,000
purchases of interest bearing deposits in other financial institutions and other investments																										-1,323,000
redemption of interest bearing deposits in other financial institutions and other investments																										1,225,000
proceeds from matured or paid-down securities available for sale																										49,850,000				36,435,000
proceeds from sales of other loans held for sale																										6,296,000	158,000
net change in federal funds sold																										-69,900,000
depreciation, amortization, net of discount accretion																											-3,026,000	-5,740,000	-504,000	-798,000	2,293,000		2,167,000	2,994,000	3,439,000	763,000
net (gains) losses on sale and disposal of premises and equipment
net (gains) losses on sales of oreo
net cash received from acquisition - wilshire bancorp, inc.
proceeds from sales and disposals of premises and equipment held for sale
assets acquired from wilshire
liabilities assumed from wilshire
equity issued in consideration for wilshire
net gain on sale and disposal of premise and equipment
net gain on sales of oreo
loss on investments in affordable housing partnership																												2,970,000	2,077,000
purchases of other investments																														-1,470,000
redemption of other investments																												8,816,000	244,000
proceeds from matured, called, or paid-down of securities available for sale																												56,257,000	68,124,000
proceeds from sales and disposals of premise and equipment held for sale
loss on disposal of equipment																													147,000
net loss on sales of oreo																													3,000
change in deferred income taxes																														6,794,000	2,391,000		-6,364,000	-2,520,000	-2,182,000
additions in servicing assets																														-777,000
net change in boli																														-274,000
change in investments in affordable housing partnership																														405,000
proceeds from sales and disposals of equipment
proceeds from matured or paid-down securities available for sale and other investments
purchases of investments in affordable housing partnerships
tax effects of issuance of shares from various stock plans
redemption of common stock warrant
transfer from loans receivable to other loans held for sale																														52,000
adjustments to reconcile net loss to net cash from operating activities:
proceeds from sales of loans																															11,695,000		48,489,000	40,782,000	4,102,000	3,500,000		16,296,000	18,280,000	26,180,000	40,709,055	31,696,788	20,441,805	14,108,352
deferred gain on transfer of assets																															-1,474,000		-541,000	76,000	-325,000
net change in bank owned life insurance																															-184,000		-165,000	-123,000	-74,000	-53,000
net valuation losses on interest rate swaps																															11,000		226,000	495,000	231,000	116,000
change in prepaid fdic insurance																															1,181,000		1,078,000	2,343,000	-50,000
redemption of federal home loan bank stock																															702,000		739,000
proceeds from matured, called, or paiddown securities available for sale																															34,359,000
net change in secured borrowings																															3,550,000		4,804,000	-725,000	4,050,000
payment of cash dividends on preferred stock																															-837,000
tax effects on issuance of shares from stock plan																																	0	-4,000	-17,000
supplemental disclosures of non-cash investment activities
transfer from loans receivable to other real estate owned																															1,574,000		1,972,000	5,868,000	4,620,000	2,850,000
transfer from loan receivables to loans held for sale																															2,496,000		4,478,000	46,824,000	25,450,000	3,790,000
investment securities paydowns pending future settlement																																			15,540,000
cash flows from operating activities:
amortization
change in accounts payable and other liabilities
equity in undistributed loss (earnings) of bank subsidiary
cash flows from investing activities:
investment in nara bank
cash flows from financing activities:
issuance of tarp preferred stock
issuance of additional common stock
tax effect on issuance of shares from stock plan
payments of cash dividends																																												-641,627
cash and cash equivalents, beginning of year																																																	72,594,996
cash and cash equivalents, end of year																																																	50,516,984
net loss																																	5,100,000	-15,877,000	-2,532,000
net losses on sale of premises and equipment
purchase of federal reserve bank stock																																	0
proceeds from sale of premises and equipment
investment securities purchases pending future settlement																																				18,281,000
investment securities sales pending future settlement
change in other liabilites																																				-343,000								2,459,485
proceeds from matured, called, or paid down securities available for sale
net increase in deposits																																		-151,403,000	-152,398,000	159,709,000		-70,259,000	68,953,000	124,137,000	-17,623,283	47,585,937	139,259,956	101,288,390	19,240,025			13,468,238
payment of cash dividends																																		-839,000	-837,000	-1,503,000		-707,000	-702,000	-699,000		-650,498
investment securities sales/principal paydowns pending future settlement
proceeds from matured or called securities available for sale																																			62,479,000	26,181,000		4,707,000	3,843,000	3,777,000	4,997,999	5,658,743	8,184,127	5,160,131
net cash from / used in investing activities																																			278,776,000
issuance of additional stocks pursuant to various stock plans																																			11,000
net cash from / provided by financing activities																																			-149,191,000
redemption of trust preferred securities
issuance of trust preferred securities
proceeds from stock options exercised																																					89,000	1,872,000	1,482,000	874,000					233,900
fhlb stock dividends																																						-93,000	-81,000	-75,000	-73,300	-63,700
proceeds from sales of commercial real estate loans
net cash received from acquisition of provident bank
tax benefit from performance units vested																																				14,000
acquisition:
fair value of non-cash assets acquired
fair value of deposits assumed
goodwill acquired
other intangible assets acquired
equity in undistributed earnings of bank subsidiary
issuance of tarp preferred stock, net of discount
issuance of common stock warrant
tax benefit from stock options exercised																																					35,000	1,875,000	499,000	287,000	158,742
adjustments to reconcile net earnings to net cash from operating activities:
stock-based compensation expenses
proceeds from issuance of common stock
depreciation, amortization, and accretion																																						1,237,000	1,170,000	1,020,000	1,592,832	826,720	803,860	799,588	2,382,062
net change in cash surrender value of life insurance																																						-115,000	-110,000	-135,000	-103,897	-103,494	-111,273	-95,336
net incomees on sales of premises and equipment
purchase of frb stock																																						0
proceeds from disposition of premises and equipment																																						43,000	0	5,000
proceeds from matured term federal funds sold																																						0
proceeds from the issuance of common stock
transfer from fixed assets to other assets																																						0	0	81,000
transfer from loan held for sale to loans receivable
net gains on sales of other real estate owned
net losses on sales of premises and equipment																																												5,879
net losses on interest rate swaps																																												35,326
deferred income taxes																																													-2,172
other than temporary impairment on securities
change in interest-only strips																																									13,196	21,910	-20,061	3,955
purchase of interest-bearing deposits with other financial institutions
proceeds from sales of premises and equipment
proceeds from matured or called securities held to maturity
proceeds from sales of other real estate owned
proceeds from maturities of interest-bearing deposits with other financial institutions
purchase of term federal funds sold
proceeds from redemption of fhlb stock
net cash received from korea exchange bank of new york acquisition
net cash received from asiana acquisition
issuance of additional stock
payments for fhlb borrowings																																												-65,000,000
proceeds from issuance of subordinated debentures
proceeds from exercise of warrants
proceeds from exercise of stock options																																											775,838	176,819
supplemental schedule of noncash investment activities
transfer of loans to other real estate owned
acquisitions
fair value of liabilities assumed
purchase price of acquisitions
goodwill created
net incomees on interest rate swaps																																										25,715
net change in interest-bearing deposits with other financial institutions																																										0	0	-95,000
cash flow from operating activities
net (gains) losses on sales of premises and equipment
other than temporary impairment on investment securities
purchase of federal reserve stock
benefit from losses on other real estate owned
net incomees (gains) on sales of premises and equipment
net incomees (gains) on interest rate swaps
changes in accrued interest receivable
cumulative effect of a change in accounting principle
purchase of bank owned life insurance
purchase of fhlb stocks
proceeds from maturities of interest-bearing deposits with other financial institution
net cash received from industrial bank of new york acquisition
payments for retirement of subordinated notes
payments for stock repurchased
proceeds from sales of sba loans																																													11,151,371
originations of sba loans held for sale																																													-16,993,000
net gain on sales of sba loans																																													-938,303
net income on sales of other real estate owned
gain on sales of securities available for sale																																													-304,976
gain on sale of premises and equipment																																													217
net increase in cash surrender value																																													-138,995
gain on interest rate swaps																																													-719,735
decrease (increase) in accrued interest receivable																																													380,231
tax benefit from stock option exercised																																													200,176
increase in other assets																																													-810,085
increase in accrued interest payable																																													121,891
increase in interest-only strip																																													-63,093
increase in other liabilities																																													555,733
net increase in loans receivable																																													-46,413,935
purchase of investment securities available for sale																																													-17,400,790
proceeds from sale of equipment																																													508
proceeds from sale of investment securities available for sale																																													6,290,803
proceeds from matured or called investment securities available for sale																																													13,586,399
purchase of federal home loan bank stock																																													646,900
payment of cash dividend																																													-579,932			-537,257
(repayment of) proceeds from federal home loan bank borrowing																																													-8,000,000
proceeds from warrants exercised																																																189,600
net decrease in cash and cash equivalents																																													-32,115,641			-21,822,680
adjustments to reconcile net income to net cash provided (used in ) by operating activities:
proceeds from issuance of trust preferred securities
proceeds from federal home loan bank borrowing																																																15,000,000
proceeds from stock option																																																46,272
net earnings
payment for retirement of subordinated notes
proceeds from federal home loan bank borrowings
proceeds from issuance of stock grant
proceeds for exercise of warrants
payment for stock repurchased
dividends paid
proceeds from issuance of trust preferred securities—net
net increase in cash and cash equivalents
supplemental disclosures of cash flow information:
supplemental schedule of noncash investing activities:
transfer of loan receivable to loan held for sale
transfer of retained earnings to common stock for stock dividend
dividend payable

Hope Bancorp, Inc(NASDAQ:HOPE)

Hope Bancorp, Inc
(NASDAQ:HOPE)