Hawthorn Bancshares, Inc
(NASDAQ:HWBK)

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. It offers checking and savings accounts, and certificates of deposit; debit and credit cards; and commercial and industrial, single payment personal, installment, and ...

Website: http://www.hawthornbancshares.com

Founded: 1865

Full Time Employees: 301

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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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	2019-09-30	2019-06-30	2019-03-31	2018-12-31

interest income
interest and fees on loans	22,093,000	23,052,000	22,635,000	21,549,000	21,196,000	21,493,000	21,715,000	21,534,000	21,730,000	23,082,000	22,134,000	20,168,000	18,803,000	18,057,000	16,328,000	14,588,000	13,915,000	14,937,000	15,448,000	13,885,000	14,979,000	14,394,000	14,777,000	14,536,000	14,422,000	58,370,338	14,806	14,750	14,106,000
interest and fees on loans held for sale	4,000	10,000	10,000	3,000	2,000	4,000	13,000	36,000	31,000	41,000	59,000	33,000	27,000	21,000	23,000	26,000	20,000	23,000	24,000	29,000	25,000	24,000	41,000	50,000	5,000
interest on investment securities:
taxable	1,164,000	1,211,000	1,403,000	1,398,000	1,304,000	1,146,000	887,000	788,000	750,000	849,000	871,000	883,000	847,000	789,000	781,000	791,000	788,000	740,000	680,000	711,000	667,000	671,000	781,000	773,000	813,000	3,620,143	831	1,025	1,000,000
nontaxable	584,000	583,000	585,000	586,000	587,000	591,000	594,000	596,000	592,000	613,000	618,000	632,000	626,000	617,000	621,000	624,000	577,000	546,000	493,000	375,000	246,000	199,000	173,000	173,000	142,000	535,592	119	148	141,000
federal funds sold and other interest-bearing deposits	436,000	198,750	256,000	290,000	249,000	433,000	469,000
dividends on other investments	113,000	102,000	114,000	85,000	120,000	135,000	141,000	150,000	137,000	120,000	121,000	108,000	93,000	65,000	64,000	66,000	75,000	55,000	81,000	81,000	83,000	96,000	75,000	72,000	100,000	271,801	66	68	66,000
total interest income	24,394,000	25,286,000	25,003,000	23,911,000	23,458,000	23,924,000	23,819,000	23,556,000	24,052,000	25,220,000	23,888,000	21,927,000	20,933,000	19,785,000	17,893,000	16,142,000	15,436,000	16,378,000	16,804,000	15,169,000	16,102,000	15,498,000	15,958,000	15,721,000	15,808,000	63,921,977	15,925	16,184	15,915,000
interest expense
interest on deposits:
savings, interest checking and money market	3,662,000	3,895,000	4,036,000	4,086,000	4,349,000	4,490,000	4,910,000	4,493,000	4,630,000	4,835,000	4,466,000	3,642,000	3,854,000	2,734,000	1,382,000	578,000	316,000	248,000	280,000	276,000	309,000	312,000	310,000	290,000	947,000	5,237,783	1,047	1,454	1,716,000
time deposits	2,209,000	2,382,000	2,523,000	2,422,000	2,464,000	2,496,000	2,834,000	2,310,000	2,066,000	1,854,000	1,357,000	810,000	548,000	325,000	239,000	194,000	276,000	307,000	320,000	358,000	461,000	574,000	623,000	691,000	752,000	3,023,732	801	761	706,000
total interest expense on deposits	5,871,000	6,277,000	6,559,000	6,508,000	6,813,000	6,986,000	7,744,000	7,568,000	7,465,000	7,513,000	6,639,000	5,977,000	5,552,000	3,530,000	1,966,000	902,000	705,000	657,000	717,000	780,000	980,000	1,148,000	1,260,000	1,330,000	2,112,000	10,369,754	2,323	2,836	3,087,000
interest on federal funds purchased and securities sold under agreements to repurchase and other	13,000
interest on federal home loan bank advances	635,000	603,000	718,000	404,000	499,000	657,000	759,000	831,000	849,000	825,000	1,075,000	815,000	540,000	490,000	277,000	248,000	252,000	297,000	383,000	385,000	396,000	450,000	505,000	612,000	632,000	2,336,301	619	538	542,000
interest on subordinated notes	773,000	826,000	860,000	856,000	852,000	935,000	989,000	985,000	990,000	1,005,000	989,000	909,000	872,000	756,000	570,000	422,000	324,000	306,000	305,000	307,000	310,000	319,000	326,000	381,000	501,000	2,374,179	588	609	624,000
total interest expense on borrowings	1,421,000	1,430,000	1,579,000	1,261,000	1,351,000	1,591,000	1,748,000	1,816,000	1,839,000	1,862,000	2,102,000	1,748,000	1,433,000	1,265,000	860,000	679,000	586,000	618,000	707,000	718,000	732,000	794,000	856,000	1,052,000	1,170,000	4,850,370	1,241	1,191	1,199,000
total interest expense	7,292,000	7,707,000	8,138,000	7,769,000	8,164,000	8,577,000	9,492,000	9,384,000	9,304,000	9,375,000	8,741,000	7,725,000	6,985,000	4,795,000	2,826,000	1,581,000	1,291,000	1,275,000	1,424,000	1,498,000	1,712,000	1,942,000	2,116,000	2,382,000	3,282,000	15,220,124	3,564	4,027	4,286,000
net interest income	17,102,000	17,579,000	16,865,000	16,142,000	15,294,000	15,347,000	14,327,000	14,172,000	14,748,000	15,845,000	15,147,000	14,202,000	13,948,000	14,990,000	15,067,000	14,561,000	14,145,000	15,103,000	15,380,000	13,671,000	14,390,000	13,556,000	13,842,000	13,339,000	12,526,000	48,701,853	12,361	12,157	11,629,000
release of credit losses on loans	-120,000
provision for (release of) credit losses on unfunded commitments	193,000	47,000		108,000
total provision for (release of) credit losses on loans and unfunded commitments	73,000	-4,000	375,000
net interest income after provision for (release of) credit losses on loans and unfunded commitments	17,029,000	12,079,250	16,490,000							14,295,000	15,037,000	14,202,000	13,268,000
non-interest income
service charges and other fees	820,000	885,000	928,000	940,000	914,000	837,000	870,000	777,000	817,000	762,000	760,000	737,000	684,000	680,000	693,000	835,000	793,000	809,000	782,000	765,000	739,000	773,000	816,000	566,000	799,000	3,608,299	953	885	862,000
bank card income and fees	908,000	968,000	1,000,000	1,003,000	925,000	1,013,000	1,037,000	1,075,000	973,000	984,000	1,029,000	1,055,000	960,000	1,029,000	1,030,000	1,063,000	961,000	1,033,000	1,043,000	1,022,000	860,000	850,000	846,000	812,000	693,000	3,058,718	794	793	695,000
earnings on bank-owned life insurance	493,000	518,000	513,000	509,000	509,000	520,000	520,000	505,000
wealth management revenue	616,000	535,000	651,000	542,000	473,000
gain on sale of mortgage loans	77,000	128,000	78,000	117,000	126,000	110,000	111,000	398,000	277,000	546,000	851,000	667,000	496,000	339,000	628,000	806,000	888,000	1,284,000	1,369,000	2,042,000	2,469,000	2,740,000	3,026,000	924,000	419,000	770,501	215	179	105,000
gains on other real estate owned and other assets	-34,000
other	221,000	551,000	546,000	611,000	495,000	142,000	561,000	521,000	613,000	428,000	367,000	603,000	578,000	668,000	464,000	400,000	513,000	50,000	102,000	101,000	8,000	66,000	70,000	68,000	45,000	217,843	55	50	52,000
total non-interest income	3,101,000	3,585,000	3,716,000	3,545,000	3,463,000	3,522,000	3,783,000	3,996,000	3,019,000	2,152,000	606,000	1,596,000	3,182,000	3,119,000	3,485,000	3,648,000	3,726,000	3,675,000	3,675,000	4,589,000	4,443,000	4,693,000	5,075,000	2,633,000	2,248,000	8,930,363	2,424	2,121	2,091,000
investment securities gains	5,000	15,000	105,000			-1,750	8,000	-15,000		-11,565,000	3,000	7,000	8,000	-2,000	1,000	-9,000	-4,000	9,000	126,000		14,000	43,000	12,000	7,000
non-interest expense
salaries and employee benefits	6,814,000	7,019,000	7,207,000	6,703,000	6,912,000	6,585,000	6,539,000	6,724,000	6,730,000	7,993,000	7,124,000	6,850,000	7,003,000	6,807,000	6,750,000	6,616,000	6,886,000	6,892,000	6,665,000	6,955,000	7,146,000	6,747,000	6,771,000	6,511,000	6,121,000	21,580,780	5,366	5,416	5,438,000
occupancy expense	991,000	1,010,000	931,000	947,000	935,000	887,000	843,000	708,000	813,000	810,000	842,000	801,000	795,000	836,000	789,000	765,000	786,000	777,000	808,000	719,000	771,000	766,000	781,000	757,000	766,000	3,119,652	909	741	698,000
furniture and equipment expense	770,000	728,000	683,000	673,000	793,000	753,000	787,000	722,000	756,000	773,000	768,000	716,000	752,000	753,000	774,000	771,000	755,000	783,000	787,000	753,000	744,000	767,000	725,000	752,000	695,000	2,844,834	671	686	809,000
processing, network, and bank card expense	1,418,000	1,440,000	1,372,000	1,443,000	1,401,000	1,318,000	1,480,000	1,362,000	1,370,000	1,354,000	1,320,000	1,320,000	1,157,000	1,243,000	1,261,000	1,142,000	1,142,000	1,230,000	1,288,000	1,225,000	1,007,000	1,058,000	877,000	954,000	976,000	3,879,133	893	973	1,001,000
legal, examination, and professional fees	802,000	307,000	470,000	428,000	493,000	895,000	378,000	512,000	823,000	1,061,000	499,000	443,000	505,000	420,000	395,000	375,000	440,000	1,878,000	357,000	385,000	404,000	303,000	381,000	407,000	367,000	1,210,052	316	304	329,000
advertising and promotion	204,000	443,000	252,000	212,000	160,000	265,000	198,000	256,000	257,000	403,000	375,000	353,000	357,000	467,000	430,000	304,000	293,000	365,000	310,000	309,000	243,000	309,000	316,000	221,000	249,000	1,255,116	343	282	258,000
postage, printing, and supplies	299,000	359,000	354,000	342,000	294,000	339,000	215,000	190,000	167,000	225,000	248,000	179,000	193,000	225,000	237,000	226,000	190,000	230,000	218,000	186,000	204,000	236,000	227,000	193,000	241,000	870,350	181	259	210,000
total non-interest expense	13,003,000	13,258,000	12,821,000	12,269,000	12,499,000	12,921,000	11,994,000	12,034,000	12,575,000	14,587,000	12,569,000	12,725,000	12,478,000	12,576,000	12,195,000	11,540,000	12,227,000	13,474,000	11,668,000	11,769,000	11,651,000	11,586,000	11,616,000	11,047,000	10,448,000	38,701,851	9,590	9,671	9,888,000
income before income taxes	7,132,000	7,545,000	7,490,000	7,468,000	6,596,000	5,650,000	5,624,000	5,662,000	5,422,000	-9,705,000	3,077,000	3,080,000	3,980,000	5,431,000	6,058,000	5,460,000	8,140,000	7,713,000	7,213,000	6,091,000	7,196,000	6,306,000	6,113,000	4,032,000	1,025,000	19,922,072	4,814	4,357	5,757,000
income tax expense	1,389,000	1,360,000	1,358,000	1,367,000	1,213,000	1,053,000	1,050,000	1,033,000	966,000	-2,262,000	498,000	531,000	709,000	705,000	1,131,000	971,000	1,531,000	1,723,000	1,417,000	1,199,000	1,357,000	1,123,000	1,153,000	750,000	157,000	3,820,118	954	837	1,091,000
net income	5,743,000	6,185,000	6,132,000	6,101,000	5,383,000	4,597,000	4,574,000	4,629,000	4,456,000	-7,443,000	2,579,000	2,549,000	3,271,000	4,726,000	4,927,000	4,489,000	6,609,000	5,990,000	5,796,000	4,892,000	5,839,000	5,183,000	4,960,000	3,282,000	868,000	16,101,954	3,860	3,520	4,666,000
yoy	6.69%	34.54%	34.06%	31.80%	20.80%	-161.76%	77.36%	81.60%	36.23%	-257.49%	-47.66%	-43.22%	-50.51%	-21.10%	-14.99%	-8.24%	13.19%	15.57%	16.85%	49.06%	572.70%	-67.81%	128397.41%	93138.64%	-81.40%
qoq	-7.15%	0.86%	0.51%	13.34%	17.10%	0.50%	-1.19%	3.88%	-159.87%	-388.60%	1.18%	-22.07%	-30.79%	-4.08%	9.76%	-32.08%	10.33%	3.35%	18.48%	-16.22%	12.66%	4.50%	51.13%	278.11%	-94.61%	417049.07%	9.66%	-99.92%
basic earnings per share	0.83	0.9	0.89	0.88	0.77	0.66	0.66	0.66	0.63	-1.05	0.36	0.36	0.48	0.7	0.73	0.66	1	0.9	0.88	0.74	0.92	0.8	0.77	0.51	0.14	0.65	0.62	0.56	0.77
diluted earnings per share	0.83	0.9	0.88	0.88	0.77	0.66	0.66	0.66	0.63	-1.05	0.36	0.36	0.48	0.7	0.73	0.66	1	0.9	0.88	0.74	0.92	0.8	0.77	0.51	0.14	0.65	0.62	0.56	0.77
interest on federal funds purchased and securities sold under agreements to repurchase		1,000	1,000	1,000		250				32,000	38,000	24,000	21,000	19,000	13,000	9,000	10,000	15,000	19,000	26,000	26,000	25,000	25,000	59,000	37,000	139,890	34	44	33,000
provision for (release of) credit losses on loans		-16,500	375,000
gains on other real estate owned		-39,000		-177,000	21,000	132,000	262,000	454,000	34,000
(release of) provision for credit losses on loans				-159,000
total (release of) provision for credit losses on loans and unfunded commitments				-51,000
net interest income after provision for credit losses on loans and unfunded commitments				16,193,000	15,634,000	10,630,000	13,827,000	13,715,000
investment securities losses				-1,000	-2,000
release of provision for credit losses on loans					-282,000
release of provision for credit losses on unfunded commitments					-58,000
total release of provision for credit losses on loans and unfunded commitments					-340,000
provision for credit losses on loans and unfunded commitments						181,500	500,000	457,000
trust department income						240,000	341,000	317,000	302,000	270,000	283,000	266,000	271,000	260,000	287,000	296,000	340,000	414,000	308,000	308,000	294,000	265,000	263,000	279,000	379,000	1,236,040	371	296	293,000
real estate servicing fees							81,000		3,000	-1,001,000	125,000	99,000	193,000	143,000	383,000	248,000	231,000	85,000	71,000	351,000	73,000	-1,000	54,000	-16,000	-87,000	38,962	36	-82	84,000
loan expense						128,750	126,000	216,000	174,000	170,000	147,000	239,000	385,000	150,000	123,000	157,000	145,000	211,000	209,000	229,000	174,000
federal funds sold												1,000		1,000		4,000	1,000
other interest-bearing deposits								452,000	812,000
time deposit accounts 250,000 and over								765,000	769,000	824,000	816,000	1,525,000	1,150,000	471,000	345,000	130,000	113,000	102,000	117,000	146,000	210,000	262,000	327,000	349,000	413,000	2,108,239	475	621	665,000
real estate servicing (costs) fees								-51,000
(release of) provision for credit losses on loans and unfunded commitments									-230,000
net interest income after (release of) provision for credit losses on loans and unfunded commitments									14,978,000
other interest-bearing deposits and certificates of deposit in other banks										181,000	85,000	102,000	537,000	44,750	76,000	43,000	60,000
provision for (release of) credit losses on loans and unfunded commitments										1,550,000	110,000		680,000
losses on other real estate owned										-1,148,000	-2,809,000
(provision for) release of other real estate owned												-1,831,000
provision for (release of) loan losses														-250,000	300,000	1,200,000
net interest income after provision for (release of) loan losses														11,193,250	14,767,000	13,361,000
(release of) provision for loan losses																	-2,500,000
net interest income after (release of) provision for loan losses																	16,645,000
federal funds sold, other interest-bearing deposits, and certificates of deposit in other banks																		77,000	78,000	88,000	102,000	114,000	111,000	117,000	326,000	1,124,103	103	193	602,000
provision for loan losses																		175,000	300,000	400,000		400,000	1,200,000	900,000	3,300,000	1,149,150	450	250	150,000
net interest income after provision for loan losses																		10,685,500	15,080,000	13,271,000	14,390,000	13,156,000	12,642,000	12,439,000	9,226,000	47,552,703	11,911	11,907	11,479,000
gain on branch sale																										2,180,817	109		2,074,000
fdic insurance assessment																						141,000	336,000
investment securities gain																										-10	-40		1,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31

assets
cash and due from banks	13,369,000	16,632,000	17,613,000	22,911,000	21,558,000	23,668,000	19,411,000	16,754,000	15,273,000	15,675,000	17,793,000	23,167,000	18,301,000	18,661,000	15,081,000	20,018,000	22,544,000	17,287,000	19,004,000	17,920,000	18,496,000	19,235,000	17,340,000	18,406,000	16,676,000	22,576,000	22,856,000	22,230,000	15,679,000	23,687,000	16,340,000	15,921,000	15,955,000	23,325,000	19,200,000	20,776,000	16,746,000	25,589,000	19,106,000	18,093,000	18,184,000	20,484,000	17,664,000	22,413,000	19,681,000	27,065,000	24,314,000	27,079,000	24,683,000	20,838,000	19,258,000	58,877,000	20,286,000	40,329,180	63,492,273	43,134,530	41,306,401	35,068,582	37,887,136	50,853,985	52,099,695	55,849,897	58,649,312	24,575,943	21,834,033	31,264,743	51,442,542	53,723,075	28,408,103	34,584,453	32,540,620	35,209,201	27,359,983	29,541,981	31,306,577	43,077,605
other interest bearing deposits	88,549,000		82,262,000
cash and cash equivalents	101,918,000	104,312,000	99,875,000	100,294,000	102,258,000	50,994,000	54,224,000	75,842,000	43,498,000	93,450,000	27,854,000	24,649,000	33,773,000	83,720,000	41,386,000	28,222,000	50,515,000	159,909,000	113,266,000	76,434,000	146,703,000	180,363,000	129,390,000	134,661,000	75,295,000	78,121,000	44,415,000	28,866,000	90,714,000	42,083,000	36,818,000	50,784,000	81,404,000	62,878,000	60,427,000	61,328,000	23,173,000	26,995,000	38,894,000	37,032,000	42,771,000	28,377,000	32,127,000	33,335,000	24,780,000	34,240,000	41,234,000	28,439,000	25,773,000	35,705,000	43,862,000
certificates of deposit in other banks	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000			735,000	980,000	2,215,000	2,955,000	4,195,000	4,201,000	4,701,000	5,193,000	6,673,000	7,165,000	8,897,000	9,376,000	9,874,000	10,364,000	11,106,000	10,862,000	11,601,000	12,745,000	12,741,000	12,247,000	12,243,000	10,746,000	4,812,000	3,460,000
available-for-sale debt securities, at fair value	205,193,000	209,939,000	216,705,000	221,736,000	219,647,000	218,652,000	203,292,000	185,325,000	183,454,000	188,742,000	233,516,000	251,616,000	259,653,000	250,747,000	245,155,000	267,274,000	286,754,000	310,870,000	278,528,000	276,013,000	238,142,000	198,030,000	186,723,000	192,036,000	198,049,000	175,093,000	181,270,000	213,181,000	218,539,000	218,205,000	224,562,000
other investments	5,615,000	5,976,000	9,312,000	7,656,000	6,934,000	5,149,000	5,727,000	5,834,000	6,287,000	6,300,000	7,005,000	9,098,000	6,240,000	6,353,000	5,361,000	5,109,000	5,490,000	5,408,000	6,015,000	6,009,000	6,188,000	6,353,000	6,452,000	6,976,000	7,296,000	5,808,000	6,210,000	5,333,000	5,735,000	5,675,000
loans held for investment	1,454,171,000	1,486,792,000	1,514,002,000	1,462,898,000	1,470,323,000	1,466,160,000	1,466,751,000	1,498,504,000	1,518,853,000	1,539,147,000	1,556,969,000	1,563,206,000	1,542,074,000	1,521,252,000	1,491,997,000	1,427,828,000	1,333,923,000	1,302,133,000	1,282,820,000	1,293,894,000	1,276,185,000	1,286,967,000	1,279,165,000	1,280,615,000	1,180,522,000
allowance for credit losses	-20,933,000	-21,111,000	-21,904,000	-21,570,000	-21,780,000	-22,044,000	-21,937,000	-21,980,000	-23,675,000	-23,744,000	-22,462,000	-22,236,000	-21,979,000
net loans	1,433,238,000	1,465,681,000	1,492,098,000	1,441,328,000	1,448,543,000	1,444,116,000	1,444,814,000	1,476,524,000	1,495,178,000	1,515,403,000	1,534,507,000	1,540,970,000	1,520,095,000	1,505,664,000	1,476,492,000	1,412,475,000	1,319,644,000	1,285,230,000	1,263,891,000	1,275,159,000	1,257,824,000	1,268,854,000	1,261,401,000	1,263,993,000	1,164,829,000	1,156,748,000	1,139,340,000	1,145,060,000	1,142,807,000	1,134,975,000	1,104,407,000	1,082,983,000	1,073,379,000	1,057,580,000	1,034,047,000	1,024,475,000	999,920,000	964,143,000	938,301,000	913,550,000	866,681,000	856,476,000	870,228,000	853,668,000	848,952,000	845,311,000	832,462,000	825,828,000	808,788,000	823,632,000	819,711,000	832,142,000	826,178,000	828,791,399	825,299,296	829,121,324	837,110,422	854,935,767	862,079,077	883,907,596	919,502,615	932,420,737	959,529,417	976,817,458	979,524,887	996,383,747	991,370,748	996,436,986
loans held for sale	1,000	616,000	1,432,000		224,000		315,000											2,249,000
premises and equipment	30,762,000	29,963,000	30,031,000	29,652,000	32,321,000	31,166,000	31,324,000	31,922,000	31,861,000	32,047,000	32,508,000	32,575,000	32,454,000	32,856,000	33,334,000	33,096,000	33,555,000	32,719,000	33,163,000	33,562,000	34,027,000	34,561,000	34,769,000	34,906,000	35,092,000	35,388,000	35,754,000	35,573,000	35,953,000	34,894,000	34,746,000	34,586,000	34,777,000	34,811,000	34,996,000	35,403,000	35,323,000	35,522,000	35,591,000	36,082,000	36,185,000	36,389,000	36,727,000	37,006,000	37,806,000	37,946,000	38,164,000	38,079,000	37,602,000	37,209,000	36,947,000	37,021,000	37,218,000	37,350,456	37,745,822	37,953,372	37,928,543	37,464,951	36,953,833	36,980,503	37,236,395	37,634,200	38,251,680	38,623,293	37,222,310	37,593,367	38,713,892	39,260,220	39,704,454	40,054,133	40,308,582	40,543,546	40,247,769	38,306,845	36,447,383	34,706,857
other real estate owned - net	64,000		2,425,000	2,425,000	668,000	1,446,000	4,385,000	3,625,000	1,937,000	1,744,000	3,564,000	6,429,000	8,247,000	8,795,000	9,210,000	9,155,000	9,758,000	10,525,000	11,614,000	11,938,000	12,140,000	12,291,000	12,601,000	12,520,000	12,769,000	12,781,000	12,878,000	13,110,000	13,537,000
cash surrender value of bank-owned life insurance	40,801,000		40,058,000	39,677,000	39,298,000		38,511,000	38,109,000
accrued interest receivable and other assets	33,562,000	32,865,000	39,169,000	33,649,000	32,530,000	33,750,000	26,177,000
total assets	1,855,860,000	1,894,850,000	1,932,105,000	1,877,417,000	1,883,423,000	1,825,185,000	1,809,769,000	1,847,810,000	1,833,760,000	1,875,350,000	1,879,005,000	1,900,709,000	1,895,821,000	1,923,540,000	1,847,598,000	1,789,976,000	1,735,683,000	1,831,550,000	1,738,652,000	1,708,966,000	1,731,924,000	1,733,731,000	1,669,770,000	1,683,736,000	1,526,498,000	1,492,962,000	1,449,338,000	1,470,914,000	1,538,311,000	1,481,682,000	1,451,664,000	1,448,650,000	1,452,908,000	1,429,216,000	1,386,532,000	1,383,550,000	1,319,663,000	1,287,048,000	1,277,719,000	1,265,724,000	1,234,156,000	1,200,921,000	1,227,624,000	1,204,363,000	1,156,526,000	1,170,544,000	1,164,969,000	1,140,122,000	1,131,315,000	1,165,536,000	1,186,319,000	1,181,606,000	1,157,291,000	1,187,219,209	1,205,981,240	1,171,161,423	1,169,516,047	1,194,707,174	1,204,547,240	1,200,172,204	1,215,066,175	1,239,543,334	1,260,410,845	1,236,470,554	1,240,227,674	1,257,337,756	1,267,542,353	1,279,698,867	1,285,274,891	1,247,633,213	1,233,427,311	1,195,804,079	1,185,614,607	1,160,108,036	1,140,551,941	1,142,711,897
liabilities and stockholders' equity
deposits
non-interest bearing demand	425,433,000	423,568,000	424,437,000	419,914,000	427,107,000	385,022,000	390,639,000	401,618,000	392,588,000		425,105,000	437,770,000	444,437,000		498,653,000	471,762,000	450,225,000	453,066,000	461,626,000	433,288,000	431,035,000	382,492,000	372,355,000	367,828,000	272,578,000	261,166,000	284,452,000	261,868,000	264,218,000	262,857,000	257,376,000	250,232,000	244,834,000	245,380,000	259,457,000	279,634,000	239,059,000	235,975,000	229,987,000	217,777,000	216,886,000	208,035,000	209,714,000	206,478,000	200,280,000	196,171,000	189,925,000	187,382,000	179,959,000	180,461,000	177,405,000	192,271,000	165,131,000	169,124,794	166,475,667	159,186,859	157,183,939	148,139,814	142,194,780	137,749,571	143,143,196	131,505,268		135,017,639	126,116,754	129,814,898	123,679,202	125,245,200
savings, interest checking and money market	788,316,000	827,069,000	788,059,000	788,216,000	818,894,000	846,339,000	811,954,000	804,183,000	789,772,000	846,452,000	802,591,000	812,264,000	817,183,000	923,602,000	825,593,000	796,054,000	752,164,000	818,358,000	693,065,000	704,236,000	708,615,000	723,808,000	665,351,000	652,429,000	596,294,000	614,331,000	550,350,000	596,237,000	625,522,000	614,040,000	609,216,000	614,976,000	616,894,000	584,468,000	539,575,000	517,678,000	519,379,000	468,731,000	477,945,000	477,797,000	485,759,000	441,080,000	452,878,000	465,253,000	433,833,000	448,836,000	453,724,000	419,085,000	412,887,000	427,742,000	439,644,000	405,702,000	389,632,000	402,529,604	416,250,955	384,598,688	375,645,240	385,873,185	401,326,674	379,137,539	363,916,607	392,324,418	402,042,287	354,284,004	357,905,369	348,657,468	360,758,142	342,626,702
time deposits	304,567,000	303,512,000	313,421,000	309,856,000	297,887,000	301,821,000	300,911,000																																																														803,693,789	772,091,295	784,881,051		799,231,085	778,342,093	771,549,706
total deposits	1,518,316,000	1,554,149,000	1,525,917,000	1,517,986,000	1,543,888,000	1,533,182,000	1,503,504,000	1,550,250,000	1,527,874,000	1,570,844,000	1,580,365,000	1,543,270,000	1,608,012,000	1,632,079,000	1,592,798,000	1,530,808,000	1,456,143,000	1,516,820,000	1,411,059,000	1,381,001,000	1,393,982,000	1,383,606,000	1,326,752,000	1,327,633,000	1,179,571,000	1,186,521,000	1,137,407,000	1,186,109,000	1,250,572,000	1,198,468,000	1,182,734,000	1,183,386,000	1,180,380,000	1,125,812,000	1,107,960,000	1,082,687,000	1,043,004,000	1,010,666,000	1,018,031,000	1,005,241,000	992,560,000	947,197,000	972,168,000	988,866,000	964,705,000	988,450,000	987,736,000	956,471,000	951,478,000	985,992,000	999,880,000	991,275,000	956,410,000	984,578,605	993,104,655	958,224,153	952,949,134	962,072,597	966,025,719	946,662,656	950,573,954	971,358,271	989,795,262	956,322,797	968,134,872	984,143,655	991,021,205	955,296,389	928,653,784	896,659,681	916,791,372	921,257,291	925,960,026	917,157,733	903,495,193	899,864,734
federal home loan bank advances and other borrowings	94,376,000	102,086,000	177,086,000	140,100,000	124,100,000	81,525,000	96,525,000	99,100,000	109,000,000	107,000,000	112,000,000	164,275,000	93,000,000	98,000,000	73,000,000	68,000,000	77,357,000	77,418,000	93,493,000	93,554,000	97,614,000	106,674,000	112,743,000	125,802,000	133,861,000	96,919,000	106,980,000	85,038,000	95,096,000	95,153,000	78,713,000	74,270,000	84,327,000	121,382,000				93,392,000
subordinated notes	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000	49,486,000
operating lease liabilities	3,694,000	2,682,000	2,787,000	2,891,000	3,028,000	1,678,000	1,758,000	1,110,000	1,163,000	1,213,000	1,295,000	1,374,000	1,454,000	1,533,000	1,610,000	1,687,000	1,763,000	1,837,000	1,910,000	1,983,000	2,058,000	2,137,000	2,036,000	2,099,000	2,162,000	2,224,000	2,285,000	2,345,000	2,347,000
finance lease liabilities	1,167,000	1,205,000
accrued interest payable and other liabilities	13,435,000	11,013,000	11,891,000	10,131,000	9,510,000	9,767,000	12,022,000
total liabilities	1,680,474,000	1,720,621,000	1,767,167,000	1,720,594,000	1,730,012,000	1,675,638,000	1,663,295,000	1,709,569,000	1,697,140,000	1,739,265,000	1,760,601,000	1,774,236,000	1,767,469,000	1,796,129,000	1,732,193,000	1,665,918,000	1,601,296,000	1,682,594,000	1,599,558,000	1,572,463,000	1,601,216,000	1,603,142,000	1,545,403,000	1,563,705,000	1,409,828,000	1,377,924,000	1,336,524,000	1,361,534,000	1,433,441,000	1,382,268,000	1,356,792,000	1,355,517,000	1,361,637,000	1,337,845,000	1,290,460,000	1,288,403,000	1,226,586,000	1,196,031,000	1,184,931,000	1,173,983,000	1,144,303,000	1,113,635,000	1,140,551,000	1,120,574,000	1,076,005,000	1,091,019,000	1,088,287,000	1,065,742,000	1,059,488,000	1,094,940,000	1,095,409,000	1,089,386,000	1,066,860,000	1,095,077,638	1,102,147,147	1,068,585,650	1,063,240,365	1,090,362,913	1,102,601,686	1,098,683,893	1,105,144,776	1,130,722,712	1,152,859,823	1,128,699,271	1,131,736,121	1,150,752,871	1,161,221,056	1,173,280,484	1,173,336,126	1,136,647,396	1,121,232,627	1,084,605,256	1,075,482,375	1,052,533,659	1,033,883,198	1,037,767,307
stockholders’ equity:
common stock	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,555,000	7,284,000	7,284,000	7,284,000	7,284,000	7,024,000	7,024,000	7,024,000	7,024,000	6,769,000	6,769,000	6,769,000	6,769,000	6,520,000	6,520,000	6,520,000	6,520,000	6,279,000	6,279,000	6,279,000	6,279,000	6,047,000		6,047,000	6,047,000	5,822,000	5,822,000	5,822,000	5,822,000	5,605,000	5,605,000	5,605,000	5,605,000	5,396,000	5,396,000	5,195,000	5,195,000		5,195,000	5,001,000		5,001,000	5,001,000			4,814,852	4,814,852	4,635,891		4,635,891		4,463,813	4,463,813	4,463,813				4,298,353				4,298,353				4,298,353
surplus	76,927,000	76,828,000	76,916,000	76,812,000	76,938,000	76,857,000	76,856,000	76,808,000	76,847,000	76,818,000	76,776,000	77,047,000	71,042,000	71,042,000	71,042,000	71,302,000	64,437,000	64,437,000	64,437,000	64,692,000	59,307,000	59,307,000	59,307,000	59,556,000	55,727,000	55,727,000	55,727,000	55,969,000	50,173,000	50,173,000	50,173,000	50,456,000	45,442,000	45,442,000	45,441,000	45,665,000	41,499,000	41,498,000	41,497,000	41,709,000	38,554,000	38,549,000	38,544,000	38,753,000	35,896,000	36,092,000	33,391,000	33,385,000	33,380,000	33,567,000	31,818,000	31,816,000	31,814,000	31,992,617	30,276,747	30,265,992	30,254,277	30,420,956	28,950,345	28,928,545	28,909,244	29,061,855	26,999,926	26,970,745	26,939,983	27,074,283	25,182,126	25,144,323	22,720,298	22,634,232	22,597,178	22,530,191	22,460,001	22,352,702	22,294,510	22,248,319
retained earnings	112,156,000	107,863,000	103,057,000	98,309,000	93,597,000	89,542,000	86,273,000	83,026,000	79,725,000	76,464,000	85,104,000	83,722,000	88,329,000	91,789,000	88,214,000	84,437,000	87,919,000	82,300,000	77,303,000	72,499,000	73,947,000	68,935,000	64,594,000	60,412,000	61,708,000	61,590,000	58,275,000	55,167,000	58,168,000	54,105,000	52,090,000	49,594,000	52,280,000	50,595,000	52,155,000	50,796,000	53,435,000	51,671,000	50,021,000	48,419,000	50,427,000	48,700,000	46,979,000	44,711,000	42,277,000	40,970,000	41,821,000	40,086,000	38,609,000	37,292,000	38,440,000	39,118,000	37,457,000	39,570,876	41,534,781	40,354,112	42,104,547	41,318,862	42,089,899	41,857,302	48,828,486	48,127,292	50,099,798	50,576,551	50,759,013	49,822,755	51,432,211	51,598,678	87,528,898	86,383,362	85,939,395	85,728,114	85,610,413	84,350,072	82,862,711	81,431,713
accumulated other comprehensive loss, net of tax	-6,471,000	-3,613,000	-8,318,000	-11,889,000	-12,275,000	-12,443,000	-12,195,000	-17,233,000	-16,103,000	-13,762,000	-40,041,000	-30,590,000	-27,313,000										-353,000	-604,000	-1,522,000	-3,755,000	-2,664,000	-2,991,000	-4,706,000	-6,099,000	-8,626,000	-7,734,000	-7,335,000	-5,662,000	-2,775,000	-2,874,000	-3,481,000	-3,801,000	-567,000	-216,000	-1,054,000	-2,018,000	-538,000	-1,554,000																														-799,659	-134,322	-381,286
treasury stock	-14,781,000	-14,404,000	-14,272,000	-13,964,000	-12,404,000	-11,964,000	-12,015,000	-11,915,000	-11,404,000	-10,990,000	-10,990,000	-10,990,000	-10,990,000	-10,990,000	-10,990,000	-10,990,000	-8,704,000	-8,098,000	-8,098,000	-8,098,000	-8,098,000	-5,950,000	-5,950,000	-5,853,000	-5,763,000	-5,044,000	-5,044,000	-5,044,000	-5,044,000	-5,044,000	-5,044,000	-5,230,000	-5,163,000	-5,051,000	-4,796,000	-4,262,000	-4,198,000	-4,173,000	-3,985,000	-3,776,000	-3,679,000	-3,550,000	-3,517,000	-3,517,000	-3,517,000	-3,517,000					-3,517,000	-3,517,000	-3,517,000	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-3,516,818	-2,984,078	-2,714,373	-2,714,373	-2,569,073	-2,627,091	-2,652,509	-2,652,509
total stockholders’ equity	175,386,000	174,229,000	164,938,000	156,823,000	153,411,000	149,547,000	146,474,000	138,241,000	136,620,000	136,085,000	118,404,000	126,473,000	128,352,000	127,411,000	115,405,000	124,058,000	134,387,000	148,956,000	139,094,000	136,503,000	130,708,000	130,589,000	124,367,000	120,031,000	116,670,000	115,038,000	112,814,000	109,380,000	104,870,000	99,414,000	94,872,000	93,133,000	91,271,000	91,371,000	96,072,000	95,147,000	93,077,000	91,017,000	92,788,000	91,741,000	89,853,000	87,286,000	87,073,000	83,789,000	80,521,000	79,525,000	76,682,000	74,380,000	71,827,000	70,596,000	90,910,000	92,220,000	90,431,000	92,141,571	103,834,093	102,575,773	106,275,682	104,344,261	101,945,554	101,488,311	109,921,399	108,820,622	107,551,022	107,771,283	108,491,553	106,584,885	106,321,297	106,418,383	111,938,765	110,985,817	112,194,684	111,198,823	110,132,232	107,574,377	106,668,743	104,944,590
total liabilities and stockholders’ equity	1,855,860,000	1,894,850,000	1,932,105,000	1,877,417,000	1,883,423,000	1,825,185,000	1,809,769,000	1,847,810,000	1,833,760,000	1,875,350,000	1,879,005,000	1,900,709,000	1,895,821,000	1,923,540,000	1,847,598,000	1,789,976,000	1,735,683,000	1,831,550,000	1,738,652,000	1,708,966,000	1,731,924,000	1,733,731,000	1,669,770,000	1,683,736,000	1,526,498,000	1,492,962,000	1,449,338,000	1,470,914,000	1,538,311,000	1,481,682,000	1,451,664,000	1,448,650,000	1,452,908,000	1,429,216,000	1,386,532,000	1,383,550,000	1,319,663,000	1,287,048,000	1,277,719,000	1,265,724,000	1,234,156,000	1,200,921,000	1,227,624,000	1,204,363,000	1,156,526,000	1,170,544,000	1,164,969,000	1,140,122,000	1,131,315,000	1,165,536,000	1,186,319,000	1,181,606,000	1,157,291,000	1,187,219,209	1,205,981,240	1,171,161,423	1,169,516,047	1,194,707,174	1,204,547,240	1,200,172,204	1,215,066,175	1,239,543,334	1,260,410,845	1,236,470,554	1,240,227,674	1,257,337,756	1,267,542,353	1,279,698,867	1,285,274,891	1,247,633,213	1,233,427,311	1,195,804,079	1,185,614,607	1,160,108,036	1,140,551,941	1,142,711,897
other interest-bearing deposits		87,680,000		77,383,000	80,700,000	27,326,000	34,813,000	59,088,000	28,225,000	77,775,000	10,061,000	1,367,000	15,425,000	65,013,000	26,259,000	8,159,000	27,552,000
other real estate owned		98,000
cash surrender value bank-owned life insurance		40,444,000				38,912,000
liabilities:
loans held for sale, at lower of cost or fair value								1,368,000	2,909,000	3,884,000	3,006,000	2,130,000	1,753,000	591,000	913,000	1,716,000	909,000		4,576,000	2,487,000	6,308,000	5,099,000	7,886,000	9,041,000	4,286,000
accrued interest receivable								7,981,000	9,017,000	8,661,000	8,533,000	7,670,000	7,288,000	7,953,000	7,048,000	6,446,000	6,241,000	6,621,000	7,568,000	6,849,000	6,488,000	6,640,000	8,241,000	7,600,000	6,263,000	6,481,000	6,215,000	6,146,000	6,160,000	6,162,000	5,984,000	5,294,000	5,330,000	5,627,000	4,879,000	4,754,000	4,702,000	5,183,000	4,624,000	4,626,000	4,510,000	4,853,000	4,909,000	4,642,000	4,735,000	4,751,000	4,441,000	4,999,000	4,956,000	5,100,000	5,023,000	5,190,000	5,467,000	5,280,353	4,974,750	5,340,610	5,383,405	5,672,339	5,648,193	5,733,684	6,020,411	5,933,185	6,015,006	6,625,557	6,878,022	7,046,466	6,995,873	7,476,093	7,651,084	7,369,944	7,368,461	8,764,196	9,327,978	8,445,818	8,074,373	8,773,686
other assets								20,280,000	21,859,000	20,757,000	22,282,000	19,094,000	18,587,000	18,440,000	19,045,000	17,014,000	12,953,000	7,658,000	8,145,000	8,095,000	10,248,000	7,268,000	7,668,000	7,069,000	6,828,000	6,800,000	6,695,000	5,664,000	6,688,000	8,277,000	9,107,000	8,768,000	9,242,000	8,902,000	11,444,000	11,869,000	11,584,000	11,742,000	10,041,000	10,096,000	9,579,000	10,548,000	9,895,000	10,747,000	12,461,000	11,493,000	12,152,000	12,675,000	15,427,000	15,876,000	16,888,000	19,718,000	21,180,000	20,439,155	19,792,961	20,794,988	19,240,422	20,869,488	23,658,468	24,248,590	19,622,328	20,173,664	22,021,603	22,866,092	9,748,122	10,590,128	10,748,579	11,439,419	3,426,254	3,979,654	3,146,549	2,760,362	2,932,079	4,103,468	3,124,229	3,247,150
time deposits 250,000 and over								101,025,000	100,306,000	108,147,000	115,197,000	112,915,000	175,251,000	94,859,000	110,859,000	99,884,000	84,692,000	69,075,000	77,113,000	66,574,000	74,406,000	91,263,000	100,018,000	112,714,000	111,779,000	104,262,000	94,970,000	113,855,000	140,886,000	104,900,000	110,148,000	98,638,000	84,740,000	63,176,000	68,605,000	56,534,000
other time deposits								243,424,000	245,208,000	214,004,000	237,472,000	180,321,000	171,141,000	160,175,000	157,693,000	163,108,000	169,062,000	176,321,000	179,255,000	176,903,000	179,926,000	186,043,000	189,028,000	194,662,000	198,920,000	206,762,000	207,635,000	214,149,000	219,946,000	216,671,000	205,994,000	219,540,000	233,912,000	232,788,000	240,323,000	228,841,000	151,587,000	153,704,000	156,448,000	159,933,000	163,142,000	165,838,000	170,685,000	175,359,000	191,481,000	230,380,000	234,042,000	238,337,000	243,262,000	260,188,000	263,203,000	272,525,000	274,962,000	282,730,595	283,391,567	274,933,958	283,500,197	295,275,735	300,543,398	305,208,786	315,904,482	318,488,783	322,992,318	329,160,719	340,015,283	364,078,345	366,049,903	344,451,998				313,937,432				316,219,426
accrued interest payable								2,113,000	1,971,000	1,772,000	1,851,000	1,479,000	1,602,000	902,000	565,000	359,000	298,000	282,000	308,000	376,000	439,000	837,000	886,000	901,000	780,000	1,136,000	1,020,000	1,306,000	1,093,000	1,035,000	990,000	790,000	588,000	554,000	486,000	429,000	452,000	498,000	408,000	372,000	379,000	382,000	378,000	365,000	382,000	393,000	412,000	426,000	456,000	1,316,000	1,102,000	909,000	684,000	1,427,066	1,196,794	1,054,202	850,188	1,690,994	1,604,609	1,491,503	1,344,701	2,296,948	2,336,292	2,438,121	2,391,949	4,303,532	3,984,907	3,847,415	4,104,700	4,560,347	4,775,222	4,723,965	5,384,915	4,683,655	4,531,475	4,366,250
other liabilities								7,510,000	6,929,000	8,003,000	8,461,000	7,712,000	7,498,000	8,942,000	8,844,000	8,643,000	10,735,000	12,922,000	15,859,000	14,045,000	15,619,000	15,248,000	18,095,000	15,587,000	13,204,000	14,366,000	12,155,000	11,916,000	12,750,000	13,479,000	12,209,000	11,482,000	12,061,000	13,051,000	10,565,000	11,320,000	10,232,000	10,974,000	9,502,000	9,190,000	10,355,000	9,736,000	10,757,000	9,015,000	6,889,000	5,841,000	5,892,000	4,275,000	9,048,000	7,614,000	7,331,000	6,532,000	7,955,000	7,461,732	7,266,422	6,895,029	5,266,572	4,766,987	4,618,355	3,989,303	5,112,064	5,062,882	5,006,326	4,489,617	7,867,557	7,948,186	6,548,979	6,454,574	5,058,357	4,866,300	5,714,523	5,493,110	6,502,239	6,220,854	5,476,907	5,485,878
total investment securities									189,741,000	195,042,000	240,521,000	260,714,000	265,893,000	257,100,000	250,516,000	272,383,000	292,244,000	316,278,000	284,543,000	282,022,000	244,330,000	204,383,000	193,175,000	199,012,000	205,345,000	180,901,000	187,480,000	218,514,000	224,274,000	223,880,000	229,580,000	236,924,000	225,445,000	237,579,000	222,410,000	227,151,000	226,029,000	224,308,000	231,064,000	244,194,000	253,853,000	243,091,000	253,487,000	247,403,000	210,218,000	219,615,000																			167,889,059	161,041,986	155,337,544	158,276,179
cash surrender value - life insurance									37,760,000	2,624,000	2,610,000	2,596,000	2,582,000	2,567,000	2,553,000	2,538,000	2,524,000	2,509,000	2,495,000	2,480,000	2,465,000	2,451,000	2,438,000	2,425,000	2,411,000	2,398,000	2,385,000	2,579,000	2,562,000	2,542,000	2,535,000	2,516,000	2,499,000		2,464,000	2,448,000	2,430,000	2,409,000	2,396,000	2,379,000	2,361,000	2,348,000	2,329,000	2,319,000	2,269,000	2,251,000	2,233,000	2,213,000	2,192,000	2,175,000			2,119,000	2,097,824		2,064,452	2,045,673						1,948,654
liability for unfunded commitments									717,000	947,000	947,000	1,137,000	1,302,000
federal funds sold												115,000	47,000	46,000	46,000	45,000	419,000
mortgage servicing rights, at fair value										1,738,000	2,885,000	2,902,000	2,934,000	2,899,000	2,906,000	2,730,000	2,639,000	2,659,000	2,718,000	2,775,000	2,494,000	2,445,000	2,327,000	2,145,000
non-interest-bearing demand										402,241,000				453,443,000
federal funds purchased and securities sold under agreements to repurchase											6,196,000	5,503,000	5,115,000	5,187,000	5,890,000	6,935,000	5,514,000	23,829,000	27,443,000	32,018,000	42,018,000	45,154,000	35,405,000	42,197,000	30,764,000	27,272,000	27,191,000	25,334,000	22,097,000	24,647,000	32,660,000	36,103,000		27,560,000	32,555,000	29,118,000	31,512,000	31,015,000	28,504,000	35,694,000	41,523,000	56,834,000	27,762,000	25,842,000	19,543,000	22,849,000	20,761,000	31,084,000	25,007,000	21,499,000	17,539,000	21,058,000	24,109,000	23,843,510	22,747,919	24,516,277	26,196,899	28,689,667	29,045,521	30,068,453	31,460,010	35,168,837	32,107,860	36,645,434	32,374,577	33,201,820	26,322,121	29,138,623	26,773,077	46,617,509	52,754,769	25,729,863	25,996,935	25,597,657	30,223,351	29,460,492
allowance for loan losses														-15,588,000	-15,505,000	-15,353,000	-14,279,000	-16,903,000	-18,929,000	-18,735,000	-18,361,000	-18,113,000
accumulated other comprehensive income, net of tax														-31,714,000	-40,145,000	-27,715,000	-16,289,000	3,293,000	-1,572,000	641,000	-1,217,000	1,528,000																							469,000	785,000					1,119,000	1,825,000	1,771,000	1,446,829	1,287,696	1,339,919	3,420,226	2,405,891	825,876	742,149	2,342,472	2,081,475	1,020,416	912,224	1,599,913	779,782	918,013	1,005,553	908,034	653,948	2,074,131	1,356,538	332,538
federal funds sold and other interest-bearing deposits																		142,622,000	94,262,000	58,514,000	128,207,000	161,128,000	112,050,000	116,255,000	58,619,000	55,545,000	21,559,000	6,636,000	75,035,000	18,396,000	20,478,000	34,863,000	65,449,000	39,553,000
allowances for loan losses																							-17,764,000	-16,622,000	-15,693,000	-12,477,000	-12,178,000	-11,883,000	-11,845,000	-11,652,000	-11,358,000	-11,212,000	-10,947,000	-10,852,000	-11,000,000	-10,545,000	-10,262,000	-9,886,000	-9,470,000	-9,392,000	-8,631,000	-8,604,000	-9,246,000	-9,986,000	-12,033,000	-12,150,000					-14,545,000	-14,842,000	-16,920,000	-15,313,584	-14,640,076	-13,809,224	-12,690,578	-13,863,050	-12,402,110	-14,564,867	-13,953,687	-12,231,596	-14,657,622	-14,796,549	-13,927,534	-13,704,736	-13,159,425	-12,666,546
mortgage servicing rights																									2,274,000	2,482,000	2,575,000	2,657,000	2,875,000	2,931,000	2,871,000	2,813,000	2,781,000	2,713,000	2,688,000	2,766,000	2,877,000	2,584,000	2,370,000	2,511,000	2,745,000	2,847,000	2,774,000	2,727,000	2,867,000	2,911,000	3,040,000	3,036,000	3,079,000	2,873,000	2,689,000	2,549,000	2,624,000	2,666,498	2,746,606	2,308,377	2,266,109	2,271,915	2,327,929	2,355,990	2,198,887	2,005,639	2,000,456	2,020,964	1,881,355	1,767,328	1,520,838	1,171,225	1,150,825	1,184,110	1,161,299	1,184,868	1,230,062	1,263,439	1,317,490	1,350,375
loans																										1,169,225,000	1,151,518,000	1,156,943,000	1,154,652,000	1,146,627,000	1,115,765,000	1,094,195,000	1,084,326,000	1,068,432,000	1,045,047,000	1,035,020,000	1,010,182,000	974,029,000	947,771,000	922,942,000	875,312,000	865,080,000	879,474,000	863,654,000	860,985,000	857,461,000	845,307,000	839,547,000	823,042,000	838,990,000	834,256,000	846,984,000	843,098,000	844,104,983	839,939,372	842,930,548	849,801,000	868,798,817	874,481,187	898,472,463	933,456,302	944,652,333	974,187,039	991,614,007	993,452,421	1,010,088,483	1,004,530,173	1,009,103,532	985,202,881	959,530,092	919,559,360		873,671,621	828,311,575	801,125,362
other real estate owned and repossessed assets - net																														13,691,000	13,373,000	13,236,000	13,239,000					14,162,000				15,992,000					14,054,000	14,867,000	15,868,000				25,195,000	21,582,893		16,020,023	18,066,847
other securities																															5,018,000
investment in available-for-sale securities, at fair value																																227,601,000	215,720,000	226,542,000	212,650,000	216,353,000	216,170,000	214,512,000	221,824,000	235,154,000	245,773,000	235,054,000	244,250,000	239,487,000	205,816,000	215,653,000	213,227,000	205,985,000	213,629,000	220,655,000	231,991,000	200,246,000	216,788,000	228,269,741	229,154,263	213,806,001	205,446,454	219,697,283	217,542,201	178,977,550	165,172,611	167,970,334		152,926,685	159,013,809	152,166,736	146,462,294	149,400,929				151,742,455				183,566,135
other investments and securities, at cost																																9,323,000	9,725,000	11,037,000	9,760,000	10,798,000	9,859,000	9,796,000	9,240,000	9,040,000	8,080,000	8,037,000	9,237,000	7,916,000	4,402,000	3,962,000
federal funds purchased and securities sold
under agreements to repurchase																																	34,795,000
issued 6,046,907 shares, respectively																																	6,047,000
other real estate owned and repossessed assets – net																																		13,182,000
cash surrender value – life insurance																																		2,484,000
liabilities and stockholders’ equity
federal funds sold and other overnight interest-bearing deposits																																			41,227,000	40,552,000	6,427,000	1,406,000	19,788,000	18,939,000	24,587,000	7,893,000	14,463,000	10,922,000	5,099,000	7,175,000	16,920,000	1,360,000	1,090,000	14,867,000	24,604,000
other real estate and repossessed assets - net																																			13,177,000	13,356,000	13,625,000		14,438,000	15,254,000	15,471,000		15,148,000	12,516,000	12,438,000
federal home loan bank advances																																			89,408,000	115,363,000	91,900,000		79,000,000	74,000,000	50,000,000	50,000,000	80,000,000	47,000,000	35,000,000	24,000,000	24,000,000	24,000,000	24,013,000	29,033,000	20,071,000	20,126,000	28,216,000	28,280,725	28,345,357	28,409,989	28,491,572
time deposits 100,000 and over																																					132,979,000	152,256,000	153,651,000	149,734,000	126,773,000	132,244,000	138,891,000	141,776,000	139,111,000	113,063,000	110,045,000	111,667,000	115,370,000	117,601,000	119,628,000	120,777,000	126,685,000	130,193,612	126,986,466	139,504,648	136,619,758	132,783,863	121,960,867	124,566,760	127,609,669	129,039,802	133,904,306	137,860,435	144,097,466	141,592,944	140,533,958	142,972,489				139,742,676				135,886,042
other real estate and foreclosed assets - net																																														12,026,000
investments in federal home loan bank stock and other equity securities, at cost																																															3,962,000	4,001,000	4,001,000	4,333,000	3,923,000
preferred stock, 0.01 par value per share...																																																					17,905,000			29,317,716
issued 0 shares and 18,255 shares, respectively, 1,000 per share liquidation value, net of discount
issued 5,194,537 and 5,000,972 shares, respectively																																																5,195,000
other real estate owned and foreclosed assets - net																																																		17,978,000
other real estate owned and foreclosed assets – net																																																			23,128,000
cash surrender value – life insurance																																																			2,157,000
issued 18,255 shares, respectively,
1,000 per share liquidation value, net of discount																																																			18,049,000
issued 5,000,972 shares, respectively																																																			5,001,000
federal funds sold and securities purchased under agreements to resell																																																						75,000	75,000	75,000	75,000	171,338	142,111	125,815	125,820	178,202	225,016	89,752	106,226	371,416	116,432	104,393	5,532,104	104,603	289,470	664,184	296,118	24,894,925	18,975,193	9,922,961
other real estate owned and repossessed assets—net																																																				23,592,000			20,176,910
intangible assets—net																																																				135,000			438,721
cash surrender value—life insurance																																																				2,136,000			2,084,638
deposits:
issued 18,255 shares and 30,255 shares, respectively, 1,000 per share liquidation value, net of discount																																																				17,977,000
see accompanying notes to the consolidated financial statements.
intangible assets - net																																																					236,000	336,710		542,746	646,771						1,353,467
issued 18,255 shares and 30,255, respectively, 1,000 per share liquidation value, net of discount																																																						17,833,215
authorized 15,000,000 shares; issued 4,814,852 shares respectively																																																						4,814,852	4,814,852
issued 30,255 shares, 1,000 per share liquidation value, net of discount																																																							29,436,835
preferred stock, 1,000 par value authorized and issued 30,255 shares																																																									29,198,598	29,079,479		28,841,242		28,603,005	28,483,887	28,364,768
other real estate owned and repossessed assets — net																																																										15,768,518	15,425,721	14,009,017
intangible assets — net																																																										750,796	859,483	977,509	1,095,535	1,213,561		1,503,986	1,654,505	1,805,024	1,961,554	2,130,097
cash surrender value — life insurance																																																										2,036,197	2,023,088	2,001,965	1,979,466	1,960,066		1,929,910	1,910,652	1,889,339	1,861,058	1,852,902	1,854,532	1,845,867	1,827,777	1,820,532	1,802,435	1,788,505	1,766,461	1,750,420
other borrowed money																																																										43,656,668	51,821,482	66,985,978	67,168,047	67,349,774	74,128,083	79,317,302	71,481,166	71,669,678	83,857,844	129,057,483	159,260,208	134,457,559	91,710,741	77,915,027	62,152,260	49,387,760	39,700,584	47,368,315
preferred stock, 1,000 par value
authorized and issued 30,255 shares																																																											28,960,361		28,722,124				28,245,649	28,126,530
authorized 15,000,000 shares; issued 4,635,891 shares																																																											4,635,891
other real estate owned and repossessed assets																																																													10,012,412	14,203,849	11,368,113	8,490,914	11,578,503	7,584,212	7,473,293	7,828,278	7,168,747	3,044,707	2,720,175	2,337,107	4,730,314	2,636,434	3,491,321	2,734,500
authorized 15,000,000 shares; issued 4,635,891 and 4,463,813 shares, respectively																																																													4,635,891
investment in available - for - sale securities, at fair value																																																															159,048,121
non - interest bearing demand																																																															130,856,351
investment in equity securities, at cost																																																																	8,875,250	8,875,250	8,875,250	8,875,250				5,626,050				6,207,175
authorized 15,000,000 shares; issued 4,463,813 and 4,298,353 shares respectively																																																																	4,463,813
preferred stock, 1000 par value
authorized 15,000,000 shares; issued 4,298,353 shares																																																																		4,298,353	4,298,353
authorized and issued 30,255 shares at march 31, 2009,																																																																			28,007,412
goodwill																																																																					40,323,775	40,323,775	40,323,775	40,323,775	40,323,775	40,323,775	40,323,775	40,323,775
preferred stock, 1000 par value authorized and issued 30,255 shares at december 31, 2008, no shares issued at december 31, 2007																																																																				27,888,294
loans:																																																																					994,559,098	970,661,124	929,567,337		882,889,587	837,421,852	810,288,974
less allowance for loan losses																																																																					9,356,217	11,131,032	10,007,977		9,217,966	9,110,277	9,163,612
investments in available for sale debt securities, at fair value																																																																					152,381,443	144,079,342	175,302,247		174,344,734	171,639,308	184,798,079
investments in equity securities, at cost																																																																					10,172,050	9,065,350	6,236,450		6,293,350	5,574,725	6,293,875
intangible assets																																																																					2,298,639	2,467,183	2,642,546	2,831,540	3,054,389	3,277,238	3,507,823	3,753,877
demand deposits																																																																					124,959,995	124,568,386	131,910,321		126,728,941	138,815,640	131,945,487
common stock — 1 par value; 15,000,000 shares authorized; 4,298,353 issued																																																																					4,298,353	4,298,353	4,298,353		4,298,353	4,298,353	4,298,353
loans, net of allowance for loan losses of 9,281,848 and 9,015,378 at december 31, 2007 and 2006, respectively																																																																								901,996,263
demand																																																																								138,355,520				138,885,883
now																																																																								116,635,508				108,886,884
savings																																																																								43,183,790				48,249,204
money market																																																																								169,402,365				151,737,295
interest-bearing demand notes to u.s. treasury																																																																											969,688	1,735,638
commitments and contingent liabilities
loans, net of allowance for loan losses of 9,015,378 and 9,084,774 at december 31, 2006 and 2005, respectively																																																																												803,297,381

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31

cash flows from operating activities:
net income	5,743,000	6,185,000	6,132,000	6,101,000	5,383,000	4,597,000	4,574,000	4,629,000	4,456,000	-7,443,000	2,579,000	2,549,000	3,271,000	4,726,000	4,927,000	4,489,000	6,609,000	5,990,000	5,796,000	4,892,000	5,839,000	5,183,000	4,960,000	3,282,000	868,000	4,068,000	3,860,000	3,520,000	4,666,000	2,619,000	3,098,000	2,907,000	2,090,000	-2,372,000	1,766,000	1,920,000	2,100,000	1,988,000	1,884,000	1,412,000	1,998,000	1,994,000	2,540,000	1,927,000	2,138,000	1,568,000	2,098,000	1,987,000	1,729,000	1,569,000	1,812,000	-136,000	2,203,000	-1,571,766	740,031	1,450,735	-1,020,480	1,515,639	1,408,494	953,617	-6,250,176	1,422,202	782,466	493,768	788,060	1,906,778	1,204,288	1,056,631	-35,045,891	2,014,200	1,317,460	1,086,875	993,294	2,136,987	2,363,028	2,306,667
adjustments to reconcile net income to net cash from operating activities:
provision (release of) for credit losses on loans and unfunded commitments	73,000
depreciation expense	439,000	560,000	541,000	605,000	535,000	237,000	488,000	462,000	463,000	498,000	533,000	535,000	540,000	526,000	532,000	538,000	545,000	556,000	572,000	577,000	578,000	578,000	566,000	559,000	562,000	557,000	621,000	443,000	441,000	476,000	444,000	442,000	435,000	336,000	525,000	401,000	473,000	350,000	470,000	477,000	485,000	356,000	492,000	510,000	452,000	438,000	445,000	422,000	401,000	401,000	403,000	400,000	412,000	443,653	499,866	502,481	497,328	479,869	478,608	484,514	479,156	479,660	498,411	506,615	503,315	488,902	526,140	525,900	539,594	538,667	543,442	537,037	579,582	518,285	475,782	476,473
net amortization of investment securities, premiums, and discounts	77,000	88,000	93,000	90,000	118,000	171,000	200,000	206,000	212,000	236,000	248,000	248,000	276,000	272,000	321,000	387,000	378,000	406,000	459,000	460,000	418,000	404,000	386,000	391,000	312,000	363,000	379,000	332,000	312,000	385,000	369,000	396,000	356,000	407,000	429,000	422,000	406,000	485,000	535,000	518,000	365,000	310,000	343,000	373,000	291,000	266,000	293,000	250,000	230,000	302,000	336,000	343,000	310,000
provision for valuation allowance for premises and equipment held for sale	278,000
investment securities losses	-5,000	-15,000	-105,000	1,000	2,000	-3,000	-8,000			11,565,000	-3,000	-7,000	-8,000	2,000	-1,000	9,000	4,000				-14,000	-43,000
losses on sales and dispositions of premises and equipment	-5,000													-13,000	-6,000			21,000	4,000	0	4,000	-17,000	-20,000	-12,000	-55,000
gain on sales and dispositions of other real estate			0	-7,000	-21,000		-262,000	-60,000	-34,000		-1,000	-39,000	-9,000	-253,000	0	6,000	-8,000	-2,000	0	-10,000	-15,000	-5,000	-8,000			-20,000	-83,000
provision for valuation allowance for other real estate owned	34,000
share-based compensation expense	122,000	111,000	104,000	96,000	81,000	65,000	48,000	42,000	29,000
increase in cash surrender value - life insurance	-357,000	-386,000	-381,000	-379,000	-386,000	-401,000	-402,000			-14,000	-14,000	-14,000	-15,000	-14,000	-15,000	-14,000	-15,000	-14,000	-15,000	-15,000	-14,000	-13,000	-13,000	-14,000	-13,000	-13,000	-28,000	-17,000	-20,000	-7,000	-19,000	-17,000	-15,000		-16,000	-18,000	-21,000																											-18,744
decrease in accrued interest receivable and other assets	1,263,000		-6,172,000
increase in operating lease liabilities	39,000
increase in accrued interest payable and other liabilities	271,000		1,250,000
origination of mortgage loans held for sale	-14,690,000	-5,224,000	-3,562,000	-1,326,000	-1,335,000	-3,494,000	-5,830,000	-20,954,000	-13,856,000	-22,157,000	-37,228,000	-26,683,000	-20,910,000	-10,449,000	-19,953,000	-25,675,000	-26,935,000	-35,680,000	-39,858,000	-56,374,000	-65,012,000	-57,239,000	-81,262,000																																							-42,913,085	-19,168,526	-10,355,738
proceeds from the sale of mortgage loans held for sale	14,766,000	6,168,000	2,208,000	1,666,000	1,237,000	3,919,000	6,994,000	22,893,000	15,108,000	21,824,000	37,196,000	26,948,000	20,238,000	11,107,000	21,362,000	25,663,000	29,085,000	39,341,000	39,139,000	62,237,000	66,272,000	62,766,000	85,442,000																																							39,147,338	19,465,727	10,580,311						8,154,136	16,892,379	15,539,348		7,708,799	7,460,729	9,388,774
gain on sale of mortgage loans	-77,000	-128,000	-78,000	-116,000	-126,000	-110,000	-111,000	-398,000	-277,000	-546,000	-852,000	-666,000	-496,000	-339,000	-627,000	-807,000	-888,000	-1,284,000	-1,370,000	-2,042,000	-2,469,000	-2,740,000	-3,025,000	-925,000	-419,000	-272,000	-215,000	-179,000	-105,000	-128,000	-206,000	-241,000	-146,000	-171,000	-225,000	-219,000	-155,000	-198,000	-266,000	-222,000	-165,000	-283,000	-322,000	-473,000	-308,000	-330,000						-720,000	-896,000	-779,039	-475,317	-518,644	-755,576	-431,503	-215,996	-246,234	-960,438	-1,011,253	-297,201	-224,573	-536,461	-489,069	-927,129	-1,020,971	-287,313	-132,991	-301,172	-251,619	-164,661	-159,653	-212,208	-129,295
net cash from operating activities	7,971,000	15,140,000	288,000	5,757,000	5,734,000	1,936,000	9,120,000	8,934,000	5,603,000	5,288,000	4,529,000	4,396,000	3,396,000	6,124,000	7,651,000	2,097,000	4,407,000	11,101,000	6,517,000	9,437,000	3,557,000	10,272,000	9,176,000	1,245,000	-542,000	7,982,000	1,846,000	5,609,000	3,654,000	5,052,000	4,763,000	4,149,000	2,338,000	3,860,000	2,767,000	3,809,000	2,043,000	4,415,000	4,283,000	1,243,000	3,590,000	1,776,000	5,088,000	4,853,000	1,625,000	2,351,000	2,563,000	4,937,000	4,679,000	3,135,000	6,094,000	6,335,000	2,322,000	2,100,664	5,153,124	5,299,212	6,838,894	4,474,796	5,239,840	4,278,348	10,317,849	-601,246	6,175,494	5,564,116	-3,251,146	2,356,528	4,935,508	5,710,265	1,014,252	3,693,801	2,468,580	4,349,811	2,105,894	3,893,235	3,215,895	4,172,514
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	7,971,000	15,140,000	288,000	5,757,000	5,734,000	1,936,000	9,120,000	8,934,000	5,603,000	5,288,000	4,529,000	4,396,000	3,396,000	6,124,000	7,651,000	2,097,000	4,407,000	11,101,000	6,517,000	9,437,000	3,557,000	10,272,000	9,176,000	1,245,000	-542,000	7,982,000	1,846,000	5,609,000	3,654,000	5,052,000	4,763,000	4,149,000	2,338,000	3,860,000	2,767,000	3,809,000	2,043,000	4,415,000	4,283,000	1,243,000	3,590,000	1,776,000	5,088,000	4,853,000	1,625,000	2,351,000	2,563,000	4,937,000	4,679,000	3,135,000	6,094,000	6,335,000	2,322,000	2,100,664	5,153,124	5,299,212	6,838,894	4,474,796	5,239,840	4,278,348	10,317,849	-601,246	6,175,494	5,564,116	-3,251,146	2,356,528	4,935,508	5,710,265	1,014,252	3,693,801	2,468,580	4,349,811	2,105,894	3,893,235	3,215,895	4,172,514
cash flows from investing activities:
purchase of certificates of deposit in other banks	-1,000,000					0	0							-490,000				0	0	0	-245,000	-245,000	0	0	-735,000	0	-490,000	-4,000	-494,000	-4,000
proceeds from maturities of certificates of deposit in other banks	1,000,000									0	245,000	1,235,000	739,000	1,729,000	249,000	498,000	490,000	1,479,000	490,000	1,731,000	736,000	743,000	488,000	744,000	491,000	739,000
net decrease in loans	33,179,000	26,088,000	-51,145,000	7,374,000	-4,145,000	407,000	30,357,000	15,642,000	20,225,000								-31,812,000				11,000,000																				-10,760,000				1,340,000	-4,491,000				15,765,000	-5,183,000	6,854,000	-5,570,000	-7,668,235	-10,864,713	-2,396,052	-326,061	11,987,358	4,533,918	16,102,329	11,604,353	14,329,699	17,308,118	10,683,563				2,631,238				-20,015,410				1,145,123
purchase of available-for-sale debt securities	-4,515,000	-1,850,000	-5,445,000	-6,676,000	-6,656,000	-24,329,000	-13,954,000	-6,307,000	-12,658,000	-20,044,000	-963,000	0	-8,505,000	-3,964,000	-144,000	-2,593,000	-14,581,000	-41,890,000	-22,166,000	-52,223,000	-62,297,000	-28,156,000	-17,239,000	-10,827,000	-43,984,000	-10,683,000	-1,633,000	-6,039,000	-12,751,000	-125,000	-28,678,000	-46,141,000	-28,134,000	-32,281,000	-10,456,000	-6,528,000	-15,346,000	-11,357,000	-25,583,000	-9,958,000	-66,459,000	-20,772,000	-14,012,000	-14,957,000	-52,626,000	-1,714,000						-62,541,000	-7,193,000	-6,169,773	-21,843,838	-41,291,389	-29,799,597	-10,028,014	-24,656,297	-58,387,175	-34,877,222	-13,936,585			-45,594,025	-39,419,151	-34,772,948	-36,673,418	-22,550,568	-65,978,912	-55,184,617	-136,956,490	-21,102,656	-11,894,841	-13,481,321	-19,268,852
proceeds from maturities of available-for-sale debt securities	5,865,000	12,255,000	9,092,000	3,350,000	4,273,000	2,537,000	2,336,000	2,986,000	2,674,000	8,528,000	7,011,000	3,814,000	4,427,000	6,226,000	6,195,000	7,194,000	11,284,000	7,728,000	10,167,000	10,000,000	10,491,000	12,866,000	13,721,000	12,515,000	13,860,000	10,007,000	9,765,000	9,665,000	10,030,000	8,804,000	9,337,000	7,326,000	9,119,000	6,861,000	8,060,000	6,382,000	9,750,000	9,414,000	17,984,000	15,337,000	9,120,000	11,955,000	9,943,000	6,963,000	7,282,000	5,651,000	6,677,000	5,687,000	5,120,000	8,105,000	8,856,000	11,260,000	10,543,000	10,264,630	9,874,219	12,053,151	10,793,404	7,031,755	6,668,579	12,429,161	9,174,430	7,686,841			31,173,393	29,089,103	23,733,061	31,174,201	25,272,236	53,943,854	75,324,022	57,531,407	29,469,997	9,872,896	20,651,175	6,578,138
proceeds from calls of available-for-sale debt securities	12,000	11,000	6,245,000	2,000,000	1,755,000	20,000	0	0	12,256,000	0	0	5,000	610,000	0	15,000	30,000	2,250,000	1,830,000	833,000	6,107,000	7,745,000	2,600,000	5,500,000	4,250,000	8,935,000	6,545,000	2,250,000	3,550,000	3,820,000	0	0	0	1,685,000	500,000	3,150,000	500,000	4,025,000	4,320,000	3,500,000	5,860,000	4,175,000	15,400,000	565,000	1,000,000	9,875,000	5,105,000	7,755,000	11,745,000	2,020,000	1,000,000	3,000,000	2,255,000	12,075,000	6,810,000	12,770,000	13,515,000	10,000,000	18,676,650	18,230,000	7,278,000	8,730,000	9,285,000			6,432,200	4,675,000	4,940,000	8,190,000	3,150,000	4,100,000	8,800,000	26,232,640	15,367,500	1,032,600	4,970,000	4,918,600
purchases of fhlb stock	-32,527,000	-50,776,000	-39,173,000	-5,628,000	-4,029,000	-139,000	-25,000	-209,000	-558,000	-834,000	-4,518,000	-9,183,000	-137,000		-4,270,000	-3,655,000	-178,000	-32,000	-3,000	0	-327,000	-127,000	0	-400,000	-1,491,000	0	-5,200,000	-1,260,000	-62,000	-2,346,000	-997,000	0	-1,370,000	-1,280,000	0	-940,000	-263,000	-556,000	-200,000	-960,000	-43,000	0	-1,600,000	-3,280,000	-35,000
proceeds from sales of fhlb stock	32,881,000	54,116,000	37,508,000	4,905,000	2,242,000	720,000	140,000	647,000	571,000	1,553,000	6,614,000	6,332,000	258,000		4,019,000	4,027,000	92,000	646,000	4,000	179,000	505,000	246,000	522,000	722,000	2,000	402,000	4,323,000	1,662,000	3,000	1,688,000	819,000	402,000	2,682,000	3,000	1,038,000	1,000	200,000					1,200,000	280,000	0	120,000	0	0	39,000	1,000	531,000	2,000	2,000	360,000	3,000	44,100	52,900	4,100	675,900	402,300	674,800	8,300	400,400	364,300	230,900
purchases of premises and equipment	-1,871,000	-2,132,000	-1,022,000	-652,000	-272,000	-932,000	-990,000	-538,000	-544,000	-713,000	-479,000	-679,000	-226,000	-133,000	-780,000	-236,000	-1,417,000	-166,000	-178,000	-112,000	-135,000	-582,000	-447,000	-430,000	-369,000	-265,000	-727,000	-205,000	-971,000	-952,000	-640,000	-333,000	-401,000	-249,000	-154,000	-515,000	-348,000	-381,000	-289,000	-344,000	-248,000	-163,000	-191,000	-265,000	-253,000	-443,000						-326,000	-220,000	-311,820	-291,550	-551,630	-961,699	-943,461	-996,206	-491,273	-228,318	-81,855	-103,814	-135,298	-1,949,315	-54,744	-198,955	-166,876
proceeds from sales of premises and equipment	29,000	53,000	12,000	-1,000	50,000	0	414,000			14,000	-3,000	35,000	126,000	13,000	6,000			33,000	1,000	0	12,000	16,000	27,000	12,000	123,000	11,000	0			0	0	0	13,000	0				0	3,000	0	6,000	0	0	1,000	10,000	2,000	30,000	13,000					3,000	21,536	202,814	44,650	0	13,300	6,480	27,769	0	0	34,128	400	49,349	8,001	537,825	36,990	21,550	2,000	0	27,900	240,001	480,286
proceeds from sales of other real estate and repossessed assets		-1,000	0	619,000	799,000	3,212,000	1,734,000	1,488,000	60,000	2,010,000	54,000	70,000	557,000	828,000	0	625,000	723,000	804,000	423,000	216,000	108,000	307,000	15,000			158,000	352,000	677,000	248,000
net cash from investing activities	33,053,000	37,764,000	-43,928,000	5,291,000	-5,983,000	-18,504,000	20,012,000	12,720,000	-12,974,000	82,222,000	14,314,000	-19,290,000	-23,054,000	-26,216,000	-59,327,000	-87,843,000	-33,149,000	-49,538,000	5,847,000	-51,837,000	-32,407,000	-19,055,000	7,131,000	-92,475,000	-34,296,000	-12,657,000	39,330,000	4,431,000	-14,546,000	-23,345,000	-18,633,000	-28,554,000	-8,042,000		-5,496,000	-26,004,000	-36,847,000		-12,539,000	-37,466,000	-18,848,000		-24,256,000	-13,249,000	-33,404,000																			5,750,247		5,805,310			-9,318,753	-39,993,566	-15,944,283	-42,872,213	-3,660,677	-51,840,769	-15,962,549	-1,975,278
cash flows from financing activities:
net increase in demand deposits	1,865,000	-869,000	4,523,000	-7,193,000	42,085,000					-22,864,000				-45,210,000	26,891,000	21,537,000	-2,841,000	-8,560,000	28,338,000	2,253,000	48,543,000	10,137,000	4,527,000	95,249,000	11,412,000	-23,286,000	22,584,000	-5,022,000	9,723,000	5,481,000	7,145,000	5,397,000	-546,000	-14,077,000	-20,177,000	40,575,000	3,084,000	5,988,000	12,210,000	891,000	8,851,000	-1,679,000	3,236,000	6,823,000	-8,045,000	4,109,000	6,246,000	2,543,000				-14,866,000	27,140,000	-3,993,935	2,649,127	7,288,808	2,002,920	9,044,124	5,945,034	4,445,210					8,900,885	-3,698,144							11,626,579	-12,086,699
net decrease in interest bearing transaction accounts	-38,753,000
net increase in time deposits	1,055,000	-9,909,000	3,565,000	11,969,000	-3,934,000	910,000	-43,538,000	-1,065,000	23,363,000	-30,518,000	59,433,000	-53,156,000	91,358,000	-13,518,000	5,560,000	9,238,000	8,358,000							-3,322,000	-325,000	8,419,000	-25,399,000	-32,829,000	40,944,000	5,429,000	-2,036,000	-474,000	22,688,000	-12,964,000	23,553,000			-4,139,000	432,000																								-9,368,039	-10,124,530	-17,091,595	-21,558,540	-912,572	19,159,374	15,021,445	20,313,497	-2,491,567	901,004	-21,464,601	22,179,723	-11,102,317	11,961,835
repayment of fhlb advances and other borrowings	-727,000,000	-4,986,000	135,086,000	-124,000,000	-46,100,000	-15,000,000	-3,003,000	-14,200,000	-8,000,000	-8,950,000	-165,090,000	-158,300,000	-5,500,000	-119,437,000	-100,485,000	-95,416,000	-61,000	-16,075,000	-61,000	-4,060,000	-9,060,000	-6,069,000	-13,059,000	-40,059,000	-58,000	-10,061,000	-108,726,000	-57,864,000	-57,000	-46,923,000	-32,507,000	-10,057,000	-131,055,000		-52,855,000	-92,045,000	-38,232,000
proceeds from fhlb advances and other borrowings	719,290,000
proceeds from financing obligation	1,908,000
purchase of treasury stock	-400,000	-331,000	-308,000	-1,782,000	-440,000	-13,000	-100,000	-592,000	-414,000					0	0	-2,286,000	-606,000	0	0	0	-2,148,000	0	-97,000	-90,000	-719,000					0	0	-67,000	-112,000	-255,000	-534,000	-64,000	-25,000				-129,000
cash dividends paid - common stock	-1,383,000	-1,382,000	-1,388,000	-1,328,000	-1,328,000	-1,327,000	-1,329,000	-1,194,000	-1,197,000	-1,197,000	-1,151,000	-1,151,000	-1,150,000	-1,152,000	-1,105,000	-990,000	-993,000	-992,000	-954,000	-828,000	-842,000	-778,000	-749,000	-750,000	-753,000	-753,000	-724,000	-604,000	-603,000	-603,000	-579,000	-405,000	-406,000		-393,000	-338,000	-336,000	-282,000	-273,000	-271,000	-271,000	-273,000	-262,000	-261,000	-262,000	-251,000								-232,701			-232,649							-473,215
net cash from financing activities	-43,418,000	-48,467,000	43,221,000	-13,012,000	51,513,000	13,338,000	-50,750,000	10,690,000	-42,581,000			5,770,000	-30,289,000	62,426,000	64,840,000	63,453,000	-80,652,000	85,080,000	24,468,000	-27,869,000	-4,810,000	59,756,000	-21,578,000	150,596,000	32,012,000	38,381,000			59,523,000	23,558,000	-96,000	-6,215,000	24,230,000	44,169,000	1,828,000	60,350,000	30,982,000	9,068,000	10,118,000	30,484,000	29,652,000		17,960,000	5,973,000	24,728,000			20,690,000				4,561,000				32,436,675			-13,075,680	2,573,746									28,191,762	35,550,916			9,772,067	21,166,729
net increase in cash and cash equivalents	-2,394,000	4,437,000	-419,000	-1,964,000	51,264,000													46,643,000	36,832,000			50,973,000	-5,271,000	59,366,000	-2,826,000	33,706,000			48,631,000	5,265,000	-13,966,000	-30,620,000	18,526,000	3,451,000	-901,000	38,155,000	-3,822,000	-11,899,000	1,862,000	-5,739,000	14,394,000	-3,750,000	-1,208,000	-2,423,000	-7,051,000		-6,994,000	12,795,000				-15,015,000				20,357,743	1,828,129	6,141,481	-2,789,327	-12,950,553	-1,245,715	-3,802,584	-2,846,229	34,208,633									8,217,284	-26,780,805	4,155,136	-2,718,796
cash and cash equivalents, beginning of period	104,312,000		0	0	50,994,000		0	0	93,450,000		0	0	83,720,000		0	0	159,909,000		0	0	180,363,000										0	0	62,878,000		0	0	26,995,000		0	0	28,377,000		0	0	42,809,000	0	0	28,439,000	0	0	0	58,877,000						0												0	0	35,873,385		0	0	53,000,566
cash and cash equivalents, end of period	101,918,000		-419,000	-1,964,000	102,258,000		-21,618,000	32,344,000	43,498,000		3,205,000	-9,124,000	33,773,000		13,164,000	-22,293,000	50,515,000		36,832,000	-70,269,000	146,703,000										-13,966,000	-30,620,000	81,404,000		-901,000	38,155,000	23,173,000		1,862,000	-5,739,000	42,771,000		-1,208,000	-2,423,000	35,758,000	-9,460,000	-6,994,000	41,234,000	2,666,000	-9,932,000	-8,157,000	43,862,000						6,141,481				-3,802,584	-2,846,229	58,874,328		-9,695,900	-19,922,815	51,558,974		-748,849	1,858,966	32,830,090		-26,780,805	4,155,136	50,281,770
provision for credit losses on loans and unfunded commitments							499,000
change in fair value of mortgage servicing rights										1,148,000	25,000	56,000	-29,000	10,000	-155,000	-79,000	48,000	100,000	124,000	-159,000	121,000	217,000	161,000	250,000	275,000	196,000	170,000	279,000	94,000	-13,000	9,000	49,000	-18,000	21,000	139,000	177,000	-244,000	-161,000	237,000	298,000	155,000	10,000	29,000	43,000	219,000	139,000	201,000	46,000			-20,000	57,000	346,000	273,022	226,710	485,268
losses on sales and dispositions of other real estate & repossessed assets
gain on cancellation of debt
proceeds from the sale of mortgage servicing rights
(release of) provision for other real estate owned														-1,000	0
decrease in other assets					889,000	-2,750,000	1,236,000	1,692,000	1,125,000		-836,000	180,000	102,000	-1,568,000	1,266,000	-1,440,000	329,000	-2,916,000	307,000			-466,000	489,000	298,000	-312,000	264,000	-997,000	695,000	1,180,000	5,000	-24,000	717,000	156,000				58,000	145,000	580,000	-1,079,000	364,000	-1,012,000	880,000	266,000	1,078,000	-412,000	32,000	199,000	2,582,000	-46,000	2,251,000	-476,000	270,000	411,320	-698,124	965,804	732,487	32,102	382,677	-105,155		416,407	-467,072	629,603		-352,939	-14,029	460,862							-226,860	-99,462
decrease in operating lease liabilities		-105,000	-104,000	-68,000	-70,000	-80,000	-75,000	-53,000	-50,000	-82,000	-79,000	-80,000	-79,000	-77,000	-77,000	-76,000	-74,000	-73,000	-73,000
increase in other liabilities						-2,390,000								2,663,000			-2,567,000	4,917,000	2,098,000	-2,046,000	12,000	-79,000	1,389,000													1,032,000	-742,000	630,000	303,000	-1,165,000	619,000		1,056,000	-205,000	400,000	1,038,000	-51,000	1,616,000	-970,000	1,000,000	283,000	800,000	-570,000	-104	460,466	362,638	-1,106,936	490,639	148,643	629,040	-841,796	40,578	314,673	516,709	-2,539,196	-98,830	1,812,857	94,405	-1,385,269	192,057	-848,223	221,413	-1,009,129	281,385	743,947	-8,971
purchase of bank-owned life insurance						0	0	0	-35,000,000
proceeds from sales of available-for-sale debt securities																		0				1,130,000	3,225,000	809,000	681,000	0				0	25,358,000	26,087,000	25,723,000	8,997,000				0	16,420,000	213,000	44,087,000	0	0						10,475,000	0	6,134,000	15,981,000	0																0	0	0	30,920,778	0	0	0	6,910,634
net decrease in interest-bearing transaction accounts				-30,678,000	-27,445,000		7,771,000	14,411,000	-56,680,000			-4,919,000	-106,419,000			43,890,000	-66,194,000				-15,193,000																																																							-1,390,980
net decrease in federal funds purchased and securities sold under agreements to repurchase													-72,000		-1,045,000	1,421,000	-18,315,000																																		3,960,000	-3,519,000	-3,051,000	265,767	1,095,591	-1,768,358		-2,492,768	-355,854	-1,022,932				-4,537,574
proceeds from fhlb advances
net increase in short term fhlb borrowings		-70,000,000
cash and cash equivalents, beginning of year																						0	0	0	78,121,000	0	0	0	42,083,000																										0	43,209,530				50,979,800	0	0	0	24,665,695	0	0	0	53,827,468
cash and cash equivalents, end of year																						50,973,000	-5,271,000	59,366,000	75,295,000	33,706,000	15,549,000	-61,848,000	90,714,000																										-23,163,093	63,567,273				38,029,247
(release of) provision for credit losses on loans and unfunded commitments			375,000						-230,000
gain on sales and dispositions of premises and equipment			-13,000				-63,000				0	-22,000	-132,000																									8,000	-3,000	0	-6,000	0	3,000	-1,000	-10,000
provision for (release of) valuation allowance for other real estate owned			0							86,000
fhlb advances				140,000,000	88,675,000	0	428,000	4,300,000	10,000,000	3,950,000	112,815,000	229,575,000	500,000	144,437,000	105,485,000							0	0	32,000,000	37,000,000	0	130,668,000			63,363,000	36,950,000	0	94,000,000	32,030,000	26,900,000	116,000,000	36,740,000	21,900,000	13,000,000			0	75,000,000	12,000,000	5,000,000	11,000,000	0	10,000,000	0	10,000,000
release of provision for credit losses on loans and unfunded commitments					-340,000
loss on sales and dispositions of premises and equipment					-50,000				5,000																	-5,000	10,000	24,000	19,000	0	16,000	0	-13,000	0	122,000	0	1,000																		-15,764	-44,352	0	-13,300	0	667	95	0	59,725	-104	-9,957	-6,693	150,346	3,513
decrease in other liabilities					-183,000			-429,000	-1,055,000		530,000	65,000	-1,398,000												-1,367,000	748,000	218,000	-955,000	-729,000				-989,000
provision for (release of) for credit losses on loans and unfunded commitments
gain on sales and dispositions of other real estate & repossessed assets
net increase in interest-bearing transaction accounts										43,861,000				98,009,000				125,293,000	-11,170,000			58,457,000	12,922,000	56,135,000	-18,037,000	63,981,000	-45,887,000	-26,612,000	12,066,000	4,824,000	-5,761,000	-1,917,000	32,426,000	44,893,000	21,897,000	-1,701,000	50,648,000	-9,214,000	148,000	-7,962,000	44,679,000	-11,870,000	-12,375,000	-9,154,000	32,348,000	-15,003,000	-4,888,000	34,639,000	6,198,000	-14,855,000	-11,902,000	33,942,000	16,069,000	-12,896,916	-13,721,351	31,652,267	8,953,448	-10,464,082	-15,217,352	22,189,135					-3,621,365	9,247,901	-12,100,674	18,131,440	11,335,955	11,288,997	-10,298,189	1,078,276	5,135,287	-1,290,731
(release of) provision for valuation allowance for other real estate owned							0
net decrease in demand deposits							-10,979,000	9,030,000	-9,653,000			-6,667,000	-9,006,000																																																							-1,565,998		391,609	-7,341,935	-6,445,199				-6,940,396
net increase in federal funds purchased and securities sold under agreements to repurchase											693,000							-3,614,000	-4,575,000	-10,000,000	-3,136,000	9,749,000	-6,792,000	11,433,000	3,492,000	81,000	1,857,000	3,237,000	-2,550,000		-3,443,000	1,308,000	7,235,000	-4,995,000			497,000	3,003,000	-7,190,000	-5,829,000	-15,311,000	29,072,000	1,920,000	3,479,000	4,393,000				6,077,000												-1,391,557	-3,708,827			4,270,857	-827,243	6,879,699	-2,816,502	2,365,546	-19,844,432	-6,137,260	27,024,906	-267,072	399,278	-4,625,694	762,859
net decrease in cash and cash equivalents							-21,618,000	32,344,000	-49,952,000		3,205,000	-9,124,000	-49,947,000		13,164,000	-22,293,000	-109,394,000				-33,660,000																																	-20,118,650												-9,695,900	-19,922,815	-2,268,494				-3,043,295
decrease in accrued interest receivable								1,036,000	-356,000			-382,000	665,000			-205,000	380,000			-361,000	152,000			-1,337,000	218,000			14,000	2,000		-690,000	36,000	297,000		-125,000	-52,000	481,000	-559,000	2,000	-116,000	343,000			-347,000	521,000	16,000	-310,000	558,000	-43,000	144,000	-77,000	167,000	277,000	-186,257	-305,603	365,860	42,795	288,934	-24,146	85,491	286,727	-87,226	81,821	610,551	252,465	168,444	-50,593	480,220	174,991	-281,140	-1,483	1,395,735			-371,445	699,313
increase in accrued interest payable								142,000	199,000	-79,000	372,000	-123,000	700,000	337,000	206,000	61,000	16,000							121,000	-356,000	116,000	-286,000	213,000	58,000	45,000	200,000	202,000	34,000	68,000				90,000			-3,000	4,000			3,000						214,000	193,000			230,272	142,592			86,385	113,106			-39,344	-101,829			318,625	137,492	-257,285	-455,647	-214,875	51,257	-660,950	701,260	152,180	165,225
investment securities gains																			-125,000					-7,000	1,000
earnings on bank-owned life insurance									-136,000
gain on sales and dispositions of other real estate and repossessed assets																																0	-2,000		-4,000	12,000	-50,000		-112,000	-54,000	-49,000		-7,000	-4,000	-140,000
increase in other assets																					-1,756,000														344,000																																		-1,854,306	264,298	962,567	-1,380,401
net increase in loans										17,202,000	6,353,000	-20,919,000	-20,903,000									-7,853,000	1,319,000	-100,064,000	-11,809,000	-19,571,000	7,331,000	-3,621,000	-7,669,000	-30,623,000	-22,403,000	-10,041,000	-16,231,000	-24,783,000	-10,019,000	-25,030,000	-35,523,000	-27,266,000	-25,588,000			12,666,000	-19,648,000																							11,091,698			-21,682,441	-31,616,961			-29,604,081	-48,030,723
provision for (release of) credit losses on loans and unfunded commitments											110,000	0	680,000
increase in accrued interest receivable																						1,601,000				-266,000
net cash (used in) provided for financing activities
provision for (release of) other real estate owned
(release of ) provision for loan losses
purchases of federal home loan bank stock
proceeds from sales of federal home loan bank stock
(release of) provision for loan losses															300,000	1,200,000	-2,500,000
provision for other real estate owned																		868,000	13,000	-4,000	88,000	8,000	-15,000	0	12,000	0	31,000	-10,000	28,000	0	0	25,000	1,000	41,000	28,000	183,000	32,000	37,000	100,000	38,000	38,000	23,000	0	-12,000	6,000	276,000	51,000	123,000	336,000	846,000	-158,000	2,343,000	-1,108,000	1,081,588	485,687	253,725	590,498	220,163	280,140	160,665
gain on branch sale																										0	-109,000	0	-2,074,000
mortgage servicing rights originations
proceeds from bank owned life insurance policy																										0
payment for branch sale																										0	0	0	-6,700,000
net decrease in time deposits																		-10,972,000	12,890,000	-10,854,000	-22,974,000	-11,740,000															-21,394,000				-8,167,000	-11,422,000	-7,559,000	-1,914,000	-706,000	-12,851,000						-10,471,000	-8,345,000	-11,276,601	2,546,174	-4,060,573	-5,681,349	-7,703,506	5,319,196	-7,271,281
supplemental disclosures of cash flow information:
cash paid during the year for:
interest																		1,301,000	1,492,000	1,562,000	2,109,000	1,994,000	2,130,000	2,260,000	3,639,000	3,259,000	-7,835,000	3,813,000	15,913,000																																	4,717,917	4,028,153	4,663,816	4,906,772	7,385,730	5,724,717	6,366,301	7,794,403	8,031,011	7,820,030	8,830,006	10,221,749	8,965,666	8,899,975	8,729,758
income taxes																		0	244,000			1,508,000				1,340,000	1,090,000																																			0	0	200,000	1,097,000				0	440,000			955,000	1,000,000
noncash investing and financing activities:
other real estate and repossessed assets acquired in settlement of loans																		581,000	112,000	0	30,000	0				41,000	68,000	227,000	116,000
net deposits and fixed assets transferred to other assets related to the branson branch sale																										0
right of use assets obtained in exchange for new operating lease liabilities																										0	0	55,000	2,369,000
stock dividends																		0				0				0
provision for loan losses																			300,000			400,000	1,200,000	900,000	3,300,000	300,000	450,000	250,000	150,000	475,000	250,000	450,000	300,000	530,000	555,000	330,000	350,000	450,000	300,000	425,000	250,000	0							30,000	0	1,000,000	1,000,000	1,000,000	4,700,000	1,500,000	1,700,000	5,880,002	2,010,000	1,883,334	1,750,002	8,150,000	2,450,000	2,150,000	2,505,000	3,950,000	1,250,000	1,404,000	1,750,000	4,261,000	1,000,000	1,300,000	1,650,000	550,000	225,000	154,216	225,000
decrease in accrued interest payable																			-68,000	-63,000	-398,000															-23,000	-46,000																225,000				204,014				146,802
other																			-67,000	-122,000	-170,000	-335,000	-343,000	-121,000	-67,000	-87,000	-88,000	-61,000	-38,000	12,000	-67,000	-81,000	-50,000	74,000	-115,000	2,000	-49,000	-112,000	-76,000	-27,000	-52,000	-58,000	-40,000	-72,000	-82,000	-294,000						-170,000	86,000	-49,157	207,817	-155,660	80,232	11,991	11,991	11,991	16,951	374,890	11,991	11,991	15,928	95,047	117,214	158,846	530,839	166,377	-834,560	575,025	949,226	605,640	-334,656	142,144
cash paid during the period for:
operating lease liabilities																					-79,000	101,000	-63,000	-63,000	-62,000
issuance of stock under equity compensation plan																														0
adjustments to reconcile net income to net cash (used in) provided by operating activities:
origination of mortgage loans for sale																									-16,609,000	-13,912,000	-15,571,000	-8,452,000	-5,420,000	-7,272,000	-9,600,000	-12,010,000	-7,587,000	-6,799,000	-9,345,000	-9,760,000	-7,341,000	-8,168,000	-10,832,000	-9,310,000	-7,707,000	-11,299,000	-11,058,000	-14,074,000	-14,876,000	-11,362,000						-26,463,000	-32,331,000	-28,725,512	-15,987,699	-22,375,789	-28,915,192	-21,240,639	-11,115,069	-12,000,717					-25,441,823	-22,701,177	-50,990,000	-51,495,000	-14,992,462	-8,021,145	-16,591,207	-15,287,729	-15,517,921	-7,549,146	-7,248,521	-9,259,479
proceeds from the sale of mortgage loans																									13,170,000	16,006,000	13,657,000	9,522,000	5,096,000	6,941,000	10,327,000	12,135,000	7,587,000	7,533,000	9,400,000	10,072,000	6,789,000	9,127,000	11,249,000	10,085,000	7,435,000	11,413,000	11,186,000	16,957,000	11,947,000	11,030,000	8,564,000	5,974,000	12,509,000	11,300,000	22,862,000	29,290,000	31,291,000	28,068,955	18,622,208	21,814,837	31,197,724	21,447,819	10,288,372	12,048,588					25,978,284	23,190,246	51,917,129	52,515,971
operating lease expense																										-61,000
decrease in deferred tax asset due to tax reform reclass
investment securities gain																														1,000
operating lease payment																												4,000	1,000
net cash (used) provided by financing activities																																																																												-4,916,032
net deposits and fixed assets transferred to other assets held for sale																												0	-8,885,000
stock based compensation expense																																		0	1,000	1,000	1,000	1,000	5,000	6,000	5,000	5,000	0	1,000	4,000	5,000	4,000	6,000	5,000	7,000	5,000	2,000	2,000	7,094	9,151	10,755	11,715	12,282	12,077	21,800	19,301	19,467	19,361	29,181	30,762	31,160	30,734	37,803	41,654	86,066	37,054	66,987	70,190	88,013	60,487	46,191
other real estate transferred from other assets
proceeds from sales of other real estate and foreclosed assets																															68,000	80,000	224,000		217,000	126,000	658,000		1,214,000	1,125,000	1,274,000		407,000	153,000	883,000	821,000
gain on sale of investment securities																																-108,000	-98,000					0	-112,000	-18,000	-472,000	0	0									-294,000	0
net decrease in certificates of deposit in other banks																																-5,934,000	-1,352,000
gain on sales and dispositions of other real estate owned and repossessed assets
increase in cash surrender value – life insurance
increase in income tax receivable
net increase in certificates of deposit in other banks
proceeds from sales of other real estate owned and repossessed assets																																																1,094,000	2,055,000
net cash used by investing activities																																																				-25,911,000			-8,220,289	-17,378,144
repayment of fhlb advances																																						-8,000,000	-8,000,000			-30,000,000	-42,000,000	-5,000,000	-8,000,000	0
cash dividends paid – common stock
supplemental schedule of noncash investing and financing activities:
other real estate and repossessions acquired in settlement of loans																																																														915,423	7,650,562	4,099,478	174,362	5,585,185	537,578	685,000	6,187,336	4,943,872	725,408	802,313	729,438	2,445,678	0	801,896
decrease in income tax receivable																																																	-439,000	347,000			1,070,000	-1,026,592				215,730
increase in cash surrender value -life insurance																																							-17,000	-18,000	-13,000		-10,000	-17,000	-18,000	-18,000										-20,186		-9,476	-13,109	-21,123	-22,499	-19,400			-19,258	-21,313	-28,281	-8,156
purchases of treasury stock																																							-209,000
amortization of intangible assets																																																	0	0	34,000	101,000	101,000	100,964	102,011	104,025					118,026	118,026	139,906	150,519	150,519	150,519	156,530	168,543	168,542	168,544	175,363	188,994	222,849	222,849	230,585	246,054
redemption of 18,255 of preferred stock
warrant redemption
cash dividends paid - preferred stock																																																						-228,625			-378,188							-378,187
net cash provided (used) by financing activities																																																																22,894,270								35,479,107
loss on sales and dispositions of other real estate and repossessed assets
net cash (used) in provided by investing activities
redemption of 18,255 shares of preferred stock
net cash from (used) in financing activities																																														-16,302,000
gain on sales and dispositions of other real estate and foreclosed assets
adjustments to reconcile net income to net cash provided by operating activities:
loss on sales and dispositions of other real estate owned and repossessed assets																																																	-60,000
net cash (used) provided by investing activities																																																					13,016,000
redemption of 18,255 and 12,000 shares, respectively, of preferred stock
increase in income tax payable
net cash provided (used) by investing activities																																																														22,066,818
net cash used by financing activities																																																									2,901,977					-25,268,156
gain on sales and dispositions of other real estate owned and foreclosed assets																																																				-13,000
proceeds from sales of other real estate owned and foreclosed assets																																																			5,629,000	604,000
repayment of federal home loan bank advances																																																				-55,000	-8,090,000	-64,736	-64,632	-64,632	-81,583	-15,165,096	-8,164,814	-15,164,496					-12,308,864	-188,512	-12,188,166	-45,199,639	-118,202,725	-40,197,351	-79,553,182	-56,204,286	-18,237,233	-17,235,500	-21,312,824	-49,667,731
increase in cash surrender value – life insurance																																																				-21,000
decrease) in income tax receivable																																																				-68,000
cash dividends paid – preferred stock																																																				-228,000
cash dividends paid – common stock																																																				-242,000
loss on sales and dispositions of other real estate owned and repossessions																																																					-97,000	-144,907	-66,931	-8,162	-12,583	-39,965	225,444	33,441
increase in cash surrender value—life insurance
decrease in net deferred tax asset																																																					-255,000	7,654	16,673	16,673	438,626	7,666	7,666	7,666
purchase of fhlb stock
proceeds from sales of other real estate owned and repossessions																																																					3,018,000	2,469,095	1,888,679	1,195,226	2,377,111	1,636,413	857,739	2,563,742	504,008	4,383,318	3,707,199	1,094,910	4,238,112	415,403	1,290,141	224,411	5,322,805	820,132	331,076	335,245	2,744,645	351,798	854,887	45,075
proceeds from federal home loan bank advances																																																																					88,000,000	65,000,000	122,300,000	70,000,000	34,000,000	30,000,000	31,000,000	42,000,000
redemption of 12,000 shares of preferred stock																																																					0	0
cash dividends paid—preferred stock																																																								-378,187
cash dividends paid—common stock																																																								-232,650
net amortization of debt securities, premiums, and discounts																																																							302,264	246,612	217,199	213,626	173,167	232,963	243,749	170,674	123,498	160,499	158,256	132,695
gain on sales of debt securities
amortization of core deposit intangible assets																																																										104,025	108,687	118,026
net cash provided in investing activities
net cash (used) provided in investing activities																																																											5,046,513	-19,802,647
cash dividends paid — preferred stock																																																											-378,188	-378,188	-378,188	-378,187			-378,188	-378,187	-378,187	-235,317
cash dividends paid — common stock																																																											-223,702	-223,702	-223,702	-215,098			-473,215	-455,013	-868,666	-868,663
goodwill impairment
loss on sales of debt securities
increase in net deferred tax asset
net cash provided (used) in investing activities
proceeds from issuance of preferred stock and warrants
other real estate owned impairment charges																																																														360,643	1,172,305	62,690		0	-753,039	815,574
decrease in deferred tax asset																																																														-617,920	1,339,165	7,667				-55,965
net increase in non-interest-bearing demand deposits																																																														11,637,928
net increase in savings, interest checking, and money market accounts																																																														-28,407,811	-9,717,869	47,758,283
proceeds from other borrowed money
repayment of other borrowed money																																																														-10,181,727	-6,778,309	-5,189,219
dividends declared — common stock
stock dividend declared
purchase of available - for - sale debt securities																																																																-108,812,450
proceeds from maturities of available - for - sale debt securities																																																																81,462,422
proceeds from calls of available - for - sale debt securities																																																																21,225,800
net decrease in non - interest - bearing demand deposits																																																																-4,161,288
net decrease increase in interest-bearing demand notes to u.s. treasury
proceeds from sale of treasury stock, net of expenses
increase in deferred tax asset																																																																		524,341
purchase of equity securities																																																																					0	-1,106,700	-2,967,200	-966,900	-705,000	-966,500	-128,000	-216,400
proceeds from sales of equity securities																																																																					1,296,800	0	138,300	356,500	1,372,300	247,875	847,150	129,700
net cash (used) in provided by financing activities																																																																		-17,857,738	-13,432,870	-13,395,305
dividends declared
net accretion of debt securities, premiums, and discounts																																																																				84,597
net cash from (used) in investing activities																																																																				5,416,546
net increase in interest-bearing demand notes to u.s. treasury																																																																									0
cash dividends paid																																																																					-868,664	-868,664	-873,493	-875,594	-875,593	-876,646	-875,667	-875,669
cash flow from operating activities:
net accretion of debt securities premiums and discounts																																																																						43,053	-51,106	-41,003
increase in cash surrender value — life insurance																																																																						-8,665	-18,090	-7,245		-13,930	-22,044	-16,041
loss on sales and calls of debt securities																																																																						0	0	-2,773		0	0	1,747
gain on disposition of premises and equipment
cash flow from investing activities:
purchase of premises and equipment																																																																						-156,979	-390,024	-337,883		-2,934,160	-2,354,011	-2,217,296
cash flow from financing activities:
net decrease in interest-bearing demand notes to u.s. treasury																																																																											-969,688	-765,950
sale of treasury stock																																																																						-532,740				77,304
supplemental disclosure of cash flow information -
cash paid during period for:
supplemental schedule of noncash investing activities -
loss on disposition of premises and equipment																																																																							101,031	7,910		-5,335	767	297
acquisition of subsidiary, net of cash and cash equivalents acquired
proceeds from issuance of subordinated notes
proceeds from sale of treasury stock
acquisition of bank 10:
increase in loans
increase in deposits
net amortization of debt securities premiums and discounts																																																																										-7,261	-10,092	-12,123
loss on sales of premises and equipment
net increase increase in time deposits
repayment of bank debt and federal home loan bank advances
supplemental disclosure of cash flow information:

Hawthorn Bancshares, Inc(NASDAQ:HWBK)

Hawthorn Bancshares, Inc
(NASDAQ:HWBK)