7Baggers

Independent Bank Group, Inc
(NASDAQ:IBTX) 

IBTX stock logo

Independent Bank Group, Inc. operates as the bank holding company for Independent Bank that provides various commercial banking products and services to businesses, professionals, and individuals in the United States. It accepts various deposit products, including checking and savings accounts, dema...

Founded: 1864
Full Time Employees: 1,469
Sector: Financial Services
Industry: Banks-Regional
Financial Services
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At a glance:
  • Consistent Profitability Driven by Net Interest Income: Independent Bank Group has demonstrated stable earnings, primarily fueled by strong net interest income, reflecting effective management of its loan and deposit portfolios amidst varying interest rate environments.
  • Healthy Loan Growth and Diversified Portfolio: The bank continues to report healthy growth in its loan portfolio, which is well-diversified across various sectors and geographies, primarily within its key Texas and Colorado markets, mitigating concentration risks.
  • Strong Capital Position and Asset Quality: Independent Bank Group maintains robust capital ratios well above regulatory requirements, coupled with sound asset quality metrics, indicating a resilient balance sheet and prudent risk management practices.
  • Strategic Focus on Regional Market Expansion: The company is strategically focused on expanding its presence and market share within its high-growth Texas and Colorado regions, leveraging its community banking model to deepen customer relationships and drive organic growth.
Bull Thesis:
  • Strong Presence in High-Growth Markets: Independent Bank Group operates in dynamic and growing markets like Texas and Colorado, which provides a robust environment for loan growth and deposit gathering, supporting long-term revenue expansion.
  • Attractive Valuation Post-Regional Banking Turmoil: Following the broader regional banking sector sell-off, IBTX's stock may be trading at a significant discount to its intrinsic value or historical multiples, presenting an attractive entry point for investors seeking value in the sector.
  • Potential for NIM Stabilization and Expansion: With the Federal Reserve potentially nearing the end of its rate hike cycle, IBTX's net interest margin could stabilize or even expand as deposit costs moderate and its asset-sensitive balance sheet benefits from higher-yielding assets repricing.
  • Resilient Credit Quality and Prudent Underwriting: Despite economic uncertainties, Independent Bank Group has historically demonstrated strong credit quality metrics and disciplined underwriting practices, suggesting its loan portfolio is well-managed and resilient to potential downturns.
Bear Thesis:
  • Persistent Net Interest Margin (NIM) Compression: Intense competition for deposits and the ongoing repricing of funding costs could continue to pressure IBTX's net interest margin, leading to lower profitability despite efforts to optimize its balance sheet.
  • Elevated Commercial Real Estate (CRE) Exposure Risks: IBTX has a significant portion of its loan portfolio tied to commercial real estate, particularly office and retail, which faces headwinds from higher interest rates, remote work trends, and potential vacancies, increasing the risk of loan defaults and charge-offs.
  • Impact of Economic Slowdown in Key Markets: A significant economic slowdown or recession in Texas and Colorado, IBTX's primary operating regions, could dampen loan demand, increase unemployment, and lead to higher credit losses across its loan portfolio.
  • Rising Deposit Costs and Funding Challenges: The highly competitive deposit environment, coupled with quantitative tightening, could force IBTX to continue paying higher rates for deposits, eroding profitability and potentially limiting its ability to fund future loan growth efficiently.
Main Competitors:
  • Cullen/Frost Bankers, Inc. (Frost Bank) ($CFR) (Commercial and consumer banking, wealth management), A well-established Texas-based regional bank with a strong reputation for customer service and a significant presence across many of IBTX's key markets, competing for both commercial and retail clients.
  • Texas Capital Bancshares, Inc. ($TCBI) (Commercial banking, wealth management, private banking), Focuses heavily on commercial clients and high-net-worth individuals in major Texas metropolitan areas, directly competing with IBTX for business loans, treasury management, and private banking relationships.
  • Comerica Incorporated ($CMA) (Business banking, wealth management, retail banking), A larger regional bank with a significant presence in Texas, particularly strong in middle-market commercial banking and treasury management services, often competing for larger business clients than IBTX.
  • Zions Bancorporation, N.A. ($ZION) (Commercial, small business, and retail banking), Operates a network of community banks across the Western U.S., including Colorado, making it a competitor for local businesses and consumers in IBTX's Colorado market, offering a similar community-focused approach.
Moat:
Independent Bank Group, Inc. (IBTX) operates in highly competitive banking markets across Texas and Colorado. Its competitive moat primarily stems from its strong regional focus, relationship-based banking model, and deep local market knowledge, which allows it to effectively serve middle-market businesses and affluent individuals. Competition is intense and comes from various sources: larger national banks offering broader services and scale, other regional banks with similar strategies and geographic footprints, smaller community banks with strong local ties, and increasingly, fintech companies offering specialized lending or payment solutions. IBTX competes on factors such as loan and deposit rates, fee structures, technological capabilities, and the quality of its customer service and relationship management.
Income Statements:
Quarterly
Annual
    Unit: USD2024-09-30 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 2017-12-31 
                             
      interest income:
    		                         
      interest and fees on loans
    		221,169,000 219,291,000 215,511,000 212,028,000 202,725,000 193,612,000 184,294,000 174,445,000 160,160,000 138,426,000 129,179,000 135,619,000 134,540,000 137,620,000 140,152,000 144,437,000 144,138,000 143,405,000 147,105,000 153,963,000 154,664,000 157,431,000 145,531,000   
      interest on taxable securities
    		7,174,000 8,032,000 7,645,000 8,424,000 7,674,000 7,791,000 7,858,000 8,036,000 8,306,000 8,243,000 8,359,000 6,686,000 6,059,000 5,252,000 4,757,000 4,651,000 4,507,000 4,828,000 5,164,000 5,223,000 5,374,000 5,277,000 5,450,000   
      interest on nontaxable securities
    		2,482,000 2,524,000 2,518,000 2,532,000 2,558,000 2,586,000 2,603,000 2,631,000 2,655,000 2,741,000 2,333,000 2,137,000 2,077,000 2,061,000 2,069,000 2,113,000 2,126,000 2,168,000 2,065,000 2,056,000 2,074,000 2,127,000 2,225,000   
      interest on interest-bearing deposits and other
    		10,891,000 9,238,000 9,531,000 9,538,000 9,787,000 11,305,000 6,421,000 4,657,000 2,566,000 1,286,000 994,000 1,512,000 1,356,000 872,000 793,000 861,000 1,027,000 840,000 2,071,000 3,144,000 3,195,000 2,828,000 2,370,000   
      total interest income
    		241,716,000 239,085,000 235,205,000 232,522,000 222,744,000 215,294,000 201,176,000 189,769,000 173,687,000 150,696,000 140,865,000 145,954,000 144,032,000 145,805,000 147,771,000 152,062,000 151,798,000 151,241,000 156,405,000 164,386,000 165,307,000 167,663,000 155,576,000   
      interest expense:
    		                         
      interest on deposits
    		127,075,000 125,248,000 122,510,000 115,400,000 102,600,000 78,144,000 62,261,000 42,322,000 21,586,000 8,110,000 5,610,000 8,858,000 10,847,000 11,487,000 13,007,000 14,189,000 15,679,000 18,327,000 28,071,000 30,834,000 33,386,000 31,322,000 27,842,000   
      interest on fhlb advances
    		 1,750,000 2,855,000 5,802,000 6,054,000 18,025,000 5,824,000 1,231,000 443,000 164,000 179,000 505,000 463,000 537,000 533,000 541,000 714,000 1,289,000 1,626,000 1,849,000 2,730,000 2,984,000 2,610,000   
      interest on other borrowings
    		6,573,000 5,716,000 5,582,000 3,770,000 3,808,000 4,361,000 4,079,000 3,465,000 3,635,000 3,869,000 3,482,000 3,504,000 3,640,000 4,043,000 4,060,000 4,054,000 2,928,000 2,685,000        
      interest on junior subordinated debentures
    		1,230,000 1,223,000 1,227,000 1,245,000 1,233,000 1,157,000 1,090,000 964,000 749,000 554,000 446,000 436,000 437,000 441,000 442,000 452,000 470,000 568,000 672,000 718,000 762,000 791,000 757,000   
      total interest expense
    		134,878,000 133,937,000 132,174,000 126,217,000 113,695,000 101,687,000 73,254,000 47,982,000 26,413,000 12,697,000 9,717,000 13,303,000 15,387,000 16,508,000 18,042,000 19,236,000 19,791,000 22,869,000 33,164,000 36,317,000 39,914,000 38,020,000 33,924,000   
      net interest income
    		106,838,000 105,148,000 103,031,000 106,305,000 109,049,000 113,607,000 127,922,000 141,787,000 147,274,000 137,999,000 131,148,000 132,651,000 128,645,000 129,297,000 129,729,000 132,826,000 132,007,000 128,372,000 123,241,000 128,069,000 125,393,000 129,643,000 121,652,000   
      provision for credit losses
    		4,700,000  -3,200,000 3,480,000 340,000 220,000 90,000 2,833,000 3,100,000  -1,443,000   -6,500,000 -2,500,000           
      net interest income after provision for credit losses
    		102,138,000 105,148,000 106,231,000 102,825,000 108,709,000 113,387,000 127,832,000 138,954,000 144,174,000  132,591,000 132,651,000 128,645,000 135,797,000 132,229,000           
      noninterest income:
    		                         
      service charges on deposit accounts
    		3,617,000 3,586,000 3,600,000 3,522,000 3,568,000 3,519,000 3,349,000 3,208,000 3,194,000 3,050,000 2,752,000 2,712,000 2,619,000 2,250,000 2,261,000 2,422,000 2,173,000 4,849,000 5,542,000 5,891,000 6,100,000 6,164,000 5,910,000   
      investment management fees
    		2,765,000 2,813,000 2,644,000 2,435,000 2,470,000 2,444,000 2,301,000 2,148,000 2,156,000 2,391,000 2,451,000 2,247,000 2,210,000 2,086,000 2,043,000           
      mortgage banking revenue
    		1,682,000 1,540,000 1,635,000 1,357,000 1,774,000 2,248,000 1,624,000 1,243,000 2,179,000 2,490,000 3,026,000 4,443,000 5,982,000 5,237,000 7,495,000 8,765,000 14,722,000 10,479,000 2,525,000 3,842,000 4,824,000 3,702,000 3,093,000   
      mortgage warehouse purchase program fees
    		617,000 655,000 540,000 478,000 555,000 535,000 324,000 391,000 596,000 731,000 958,000               
      gain on sale of loans
    		  74,000     -343,000  -17,000  30,000  26,000  -291,000  689,000   6,779,000     
      gain on sale of other real estate
    		  13,000          63,000   -73,000  12,000 25,000 24,000 539,000 312,000    
      gain on sale and disposal of premises and equipment
    		-9,000 -11,000  -22,000 -56,000 354,000 47,000     -243,000 -41,000 -13,000  59,000 34,000 340,000 -63,000 -146,250 -315,000     
      increase in cash surrender value of boli
    		1,652,000 1,572,000 1,555,000 1,516,000 1,465,000 1,410,000 1,377,000 1,384,000 1,350,000 1,327,000 1,310,000 1,368,000 1,282,000 1,287,000 1,272,000 1,340,000 1,335,000 1,331,000 1,341,000 1,390,000 1,402,000 1,374,000 1,359,000   
      other
    		3,137,000 3,278,000 2,809,000 3,125,000 3,877,000 3,592,000 3,732,000 3,380,000 4,103,000 3,951,000 4,035,000 -2,392,000 4,781,000 5,053,000 5,545,000 5,700,000 4,977,000 6,003,000 2,841,000 3,661,000 3,949,000 2,384,000 3,589,000   
      total noninterest income
    		13,461,000 13,433,000 12,870,000 10,614,000 13,646,000 14,095,000 12,754,000 11,227,000 13,477,000 13,877,000 12,885,000 15,086,000 16,896,000 15,926,000 18,609,000 19,912,000 25,165,000 25,375,000 14,511,000 18,229,000 27,324,000 16,199,000 16,424,000   
      noninterest expense:
    		                         
      salaries and employee benefits
    		50,039,000 49,060,000 47,333,000 44,612,000 43,618,000 46,940,000 46,275,000 57,250,000 54,152,000 51,130,000 49,555,000 46,268,000 46,572,000 43,837,000 43,659,000 42,199,000 42,253,000 34,428,000 38,660,000 42,126,000 37,645,000 40,532,000 42,380,000   
      occupancy
    		12,326,000 12,076,000 12,549,000 11,823,000 12,408,000 11,640,000 11,559,000 11,412,000 11,493,000 10,033,000 10,000,000 9,972,000 10,258,000 10,852,000 9,606,000 10,078,000 9,717,000 9,378,000 10,037,000 9,676,000 9,402,000 9,585,000 8,991,000   
      communications and technology
    		7,937,000 7,676,000 7,685,000 7,511,000 6,916,000 7,196,000 7,090,000 6,661,000 6,545,000 5,830,000 5,901,000 5,759,000 5,479,000 5,581,000 5,536,000 5,920,000 5,716,000 5,925,000 5,552,000       
      fdic assessment
    		4,196,000 2,816,000 6,142,000 11,982,000 3,653,000 3,806,000 2,712,000 2,052,000 1,749,000 1,589,000 1,493,000 1,366,000 1,327,000 1,467,000 1,705,000 1,574,000 1,597,000 1,989,000 1,752,000 994,000 -2,139,000 962,000 1,248,000   
      advertising and public relations
    		479,000 853,000 415,000 412,000 587,000 1,004,000 604,000 523,000 424,000 703,000 456,000 217,000 266,000 376,000 238,000 451,000 492,000 862,000 611,000 585,000 467,000 812,000 663,000   
      other real estate owned expenses (income)
    		141,000  65,000                       
      impairment of other real estate
    		  345,000 3,015,000  1,000,000 1,200,000          46,000 738,000  377,000  988,000 436,000   
      amortization of other intangible assets
    		2,893,000 2,953,000 3,075,000 3,106,000 3,111,000 3,111,000 3,111,000 3,111,000 3,117,000 3,118,000 3,145,000 3,145,000 3,145,000 3,145,000 3,145,000 3,145,000 3,175,000 3,175,000 3,176,000 3,175,000 3,235,000 3,235,000 3,235,000   
      litigation settlement
    		      102,500,000                   
      professional fees
    		1,296,000 1,301,000 1,809,000 1,837,000 1,262,000 1,785,000 3,065,000 4,581,000 3,457,000 4,094,000 3,439,000 3,558,000 4,546,000 3,756,000 3,670,000 3,364,000 2,871,000 2,181,000 4,214,000 3,165,000 2,057,000 1,544,000 1,170,000   
      acquisition expense, including legal
    		460,000 2,338,000               47,000 15,629,000 549,000 5,270,000 9,465,000 3,723,000 14,987,000   
      goodwill impairment
    		 518,000,000                        
      total noninterest expense
    		89,896,000 606,911,000 88,473,000 95,125,000 81,334,000 85,705,000 189,380,000 98,774,000 91,733,000 85,925,000 82,457,000 79,908,000 80,572,000 78,013,000 75,113,000 75,227,000 73,409,000 83,030,000 74,368,000 80,343,000 76,948,000 77,978,000 86,595,000   
      income before taxes
    		25,703,000 -488,330,000 30,628,000 18,314,000 41,021,000 41,777,000 -48,794,000 51,407,000 65,918,000 65,951,000 63,019,000 67,829,000 64,969,000 73,710,000 75,725,000 73,640,000 76,143,000 47,596,000 55,003,000 64,346,000 70,536,000 63,125,000 48,257,000   
      income tax expense
    		5,266,000 5,125,000 6,478,000 3,455,000 8,246,000 8,700,000 -11,284,000 10,653,000 13,481,000 13,591,000 12,279,000 13,642,000 12,629,000 15,467,000 15,745,000 15,366,000 16,068,000 8,903,000 10,836,000 14,110,000 14,903,000 13,389,000 11,126,000   
      net income
    		20,437,000 -493,455,000 24,150,000 14,859,000 32,775,000 33,077,000 -37,510,000 40,754,000 52,437,000 52,360,000 50,740,000 54,187,000 52,340,000 58,243,000 59,980,000 58,274,000 60,075,000 38,693,000 44,167,000 50,236,000 55,633,000 49,736,000 37,131,000   
      yoy
    		-37.64% -1591.84% -164.38% -63.54% -37.50% -36.83% -173.93% -24.79% 0.19% -10.10% -15.41% -7.01% -12.88% 50.53% 35.80% 16.00% 7.98% -22.20% 18.95%       
      qoq
    		-104.14% -2143.29% 62.53% -54.66% -0.91% -188.18% -192.04% -22.28% 0.15% 3.19% -6.36% 3.53% -10.14% -2.90% 2.93% -3.00% 55.26% -12.39% -12.08% -9.70% 11.86% 33.95%    
      basic earnings per share
    		0.49 -11.93 0.58 0.36 0.79 0.8 -0.91 1 1.27 1.25 1.19 1.27 1.22 1.35 1.39 1.35 1.39 0.9 1.03 1.17 1.3 1.15 0.85   
      diluted earnings per share
    		0.49 -11.93 0.58 0.35 0.79 0.8 -0.91 0.99 1.27 1.25 1.18 1.26 1.21 1.35 1.39 1.36 1.39 0.9 1.03 1.17 1.3 1.15 0.85   
      other real estate owned expenses
    		 -37,000  -28,000 -253,000 -185,000 -44,000 -168,000 133,000 66,000   -8,000 4,000 8,000 28,000 43,000 42,000 374,000 116,000 152,000 79,000 71,000   
      loss on sale of loans
    		   -3,500 -7,000 -7,000     -1,484,000        -42,000       
      loss on sale and disposal of premises and equipment
    		       -77,500 -101,000 -46,000 -163,000    -7,000           
      benefit from credit losses
    		                         
      net interest income after benefit from credit losses
    		         137,999,000                
      gain on sale of securities available for sale
    		                 26,000 356,000 10,000  20,000 245,000   
      benefit from loan losses
    		               9,780,500 7,620,000     4,739,000    
      net interest income after benefit from loan losses
    		               86,124,500 124,387,000     124,904,000    
      investment management and trust
    		               1,990,000 1,924,000 1,646,000 1,986,000 2,092,000 2,497,000 2,522,000 2,219,000   
      gain on sale of branch
    		                   387,250 1,549,000     
      provision for loan losses
    		                 23,121,000 8,381,000 3,299,000 5,233,000  3,224,000   
      net interest income after provision for loan losses
    		                 105,251,000 114,860,000 90,873,000 120,160,000  118,428,000   
      interest on other borrowings and repurchase agreements
    		                  2,795,000 2,916,000 3,036,000 2,923,000 2,715,000   
      data processing
    		                   4,415,000 4,470,000 4,449,000 3,769,000   
      communications
    		                   1,235,000 1,288,000 1,327,000 1,295,000   
      loss on sale of premises and equipment
    		                     -279,000    
      gain on sale of premises and equipment
    		                      9,000   
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2024-09-30 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 2014-06-30 2013-09-30 2013-06-30 2013-03-31 
                                                 
        cash and due from banks
      		103,157,000 93,978,000 80,599,000 98,396,000 92,921,000 127,438,000 108,178,000 134,183,000 145,036,000 179,394,000 350,387,000 243,926,000 248,603,000 256,993,000 248,231,000 250,485,000 171,029,000 191,812,000 203,572,000 186,299,000 163,213,000 141,310,000 112,929,000 102,024,000 149,641,000 321,241,000 275,652,000 187,574,000 268,498,000 238,796,000 162,985,000  150,968,000 153,975,000 89,631,000 151,285,000 126,991,000 117,398,000 136,525,000 148,551,000 29,281,000 21,444,000 17,560,000 
        interest-bearing deposits in other banks
      		1,244,898,000 676,771,000 649,399,000 623,593,000 618,788,000 775,444,000 940,412,000 520,139,000 371,123,000 596,737,000 1,253,869,000 2,364,518,000 2,811,223,000 2,537,707,000 2,168,639,000 1,563,502,000 1,277,704,000 1,414,099,000 745,335,000 378,871,000 406,888,000 438,137,000 318,870,000 28,755,000 140,529,000 125,808,000 122,450,000 243,528,000 484,519,000 331,104,000 342,138,000  438,632,000 282,630,000 266,895,000 141,994,000 226,959,000 306,798,000 222,273,000     
        cash and cash equivalents
      		1,348,055,000 770,749,000 729,998,000 721,989,000 711,709,000 902,882,000 1,048,590,000 654,322,000 516,159,000 776,131,000 1,604,256,000 2,608,444,000 3,059,826,000 2,794,700,000 2,416,870,000 1,813,987,000 1,453,733,000 1,605,911,000 948,907,000 565,170,000 570,101,000 579,447,000 431,799,000 130,779,000 290,170,000 447,049,000 398,102,000 431,102,000 763,017,000 579,900,000 515,123,000  589,600,000 436,605,000 356,526,000 293,279,000 353,950,000 424,196,000 358,798,000 192,528,000 120,281,000 126,519,000 80,890,000 
        certificates of deposit held in other banks
      		 248,000 248,000 248,000 248,000 248,000 496,000 496,000 744,000 1,265,000 2,997,000 3,245,000 3,245,000 3,245,000 4,482,000 4,482,000 4,481,000 4,481,000 5,719,000 5,719,000 5,715,000 5,216,000 1,487,000 1,225,000 1,225,000 1,225,000 9,800,000 12,985,000 15,692,000 15,692,000 5,892,000   12,886,000 39,334,000 61,746,000     348,000 3,785,000 4,682,000 
        securities available for sale, at fair value
      		1,510,572,000 1,494,470,000 1,543,247,000 1,593,751,000 1,545,904,000 1,637,682,000 1,675,415,000 1,691,784,000 1,730,163,000 1,846,132,000 1,938,726,000 2,006,727,000 1,781,574,000 1,574,435,000 1,307,957,000 1,153,693,000 1,076,619,000 1,049,592,000 1,089,136,000 1,085,936,000 1,083,816,000 1,104,520,000 1,074,310,000 685,350,000 760,995,000 791,065,000 762,662,000 763,002,000 747,147,000 754,139,000 350,409,000             
        securities held to maturity, net of allowance for credit losses of 0 and 0, respectively, fair value of 172,306 and 170,997, respectively
      		203,863,000                                           
        loans held for sale
      		12,806,000 12,012,000 21,299,000 16,420,000 18,068,000 18,624,000 16,576,000 11,310,000 21,973,000 26,519,000 22,743,000 32,124,000 31,471,000 43,684,000 57,799,000 82,647,000 87,406,000 72,865,000 39,427,000 35,645,000 32,929,000 106,489,000 22,598,000 32,727,000 27,730,000 30,056,000 28,017,000 39,202,000 25,854,000 25,218,000 5,081,000  7,097,000 13,942,000 8,515,000 12,299,000 6,218,000 7,237,000 7,034,000 5,500,000 4,254,000 8,458,000 6,090,000 
        loans, net of allowance for credit losses of 150,285 and 151,861, respectively
      		14,138,644,000                                           
        premises and equipment
      		350,252,000 351,694,000 352,325,000 355,833,000 355,533,000 354,941,000 354,540,000 355,368,000 343,004,000 337,679,000 324,000,000 308,023,000 262,766,000 252,883,000 250,002,000 249,467,000 242,720,000 243,310,000 245,539,000 242,874,000 240,991,000 244,523,000 242,559,000 167,866,000 156,320,000 155,187,000 147,367,000 147,835,000 155,741,000 151,175,000 88,286,000  89,928,000 93,151,000 92,599,000 93,015,000 91,154,000 88,118,000 88,163,000 81,286,000 73,513,000 73,620,000 72,903,000 
        other real estate owned
      		8,685,000 8,685,000 8,685,000 9,490,000 22,505,000 22,505,000 22,700,000 23,900,000 23,900,000 12,900,000    475,000 475,000 475,000 1,642,000 1,688,000 2,994,000 4,819,000 6,392,000 10,972,000 6,018,000 4,200,000 4,610,000 4,200,000 5,463,000 7,126,000 10,189,000 11,476,000 2,896,000  2,083,000 1,567,000 1,745,000 2,168,000 2,323,000 2,958,000 4,587,000 3,788,000 8,376,000 8,182,000 8,459,000 
        federal home loan bank (fhlb) of dallas stock and other restricted stock
      		14,489,000 14,253,000 11,493,000 34,915,000 25,496,000 67,520,000 85,408,000 23,436,000 19,361,000 18,495,000 21,571,000 21,573,000 21,541,000 21,560,000 20,338,000 20,305,000 26,504,000 57,294,000 55,325,000 30,052,000 29,918,000 33,346,000 31,461,000 26,870,000 26,617,000 39,003,000 29,324,000 29,184,000 29,046,000 28,928,000 26,672,000  26,452,000 26,379,000 22,400,000 14,256,000 13,187,000 11,941,000 12,333,000 13,805,000 8,324,000 8,317,000  
        bank-owned life insurance
      		250,276,000 248,624,000 247,052,000 245,497,000 243,980,000 242,805,000 241,395,000 240,448,000 239,064,000 237,714,000 236,387,000 235,637,000 234,269,000 222,987,000 221,700,000 220,428,000 219,088,000 217,753,000 216,422,000 215,081,000 214,106,000 212,704,000 211,717,000 129,521,000 128,679,000 127,848,000 113,909,000 113,170,000 112,381,000 111,603,000 57,608,000  56,798,000 56,396,000 41,126,000 40,861,000 40,590,000 40,322,000 40,054,000 39,222,000 11,164,000 11,084,000 11,005,000 
        deferred tax asset
      		67,733,000 84,769,000 95,063,000 92,665,000 106,658,000 97,289,000 91,269,000 78,669,000 82,018,000 69,467,000 45,439,000 26,178,000 22,659,000 17,563,000 18,804,000 3,933,000 4,196,000 3,208,000 1,616,000 6,943,000 9,259,000 13,189,000 18,512,000 13,180,000 14,565,000 14,790,000 11,280,000 9,763,000 21,033,000 22,291,000 7,950,000  5,349,000 5,192,000 4,754,000 5,892,000 5,863,000 2,482,000 2,351,000 2,598,000 2,939,000 3,444,000 581,000 
        goodwill
      		476,021,000 476,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,021,000 994,097,000 992,380,000 721,797,000 721,784,000 721,578,000 621,458,000 621,458,000 606,701,000 607,263,000 258,319,000  258,319,000 258,319,000 258,319,000 258,643,000 229,818,000 229,818,000 229,639,000 207,175,000 28,742,000 28,742,000 28,742,000 
        other intangible assets
      		41,639,000 44,532,000 47,485,000 50,560,000 53,666,000 56,777,000 59,888,000 62,999,000 66,110,000 69,227,000 72,345,000 75,490,000 78,635,000 81,780,000 84,925,000 88,070,000 91,215,000 94,390,000 97,565,000 100,741,000 106,855,000 110,090,000 113,325,000                     
        other assets
      		160,114,000 172,286,000 150,304,000 155,800,000 161,240,000 147,051,000 141,718,000 154,026,000 152,054,000 135,613,000 130,721,000 130,446,000 136,985,000 124,523,000 133,033,000 143,730,000 144,701,000 144,063,000 118,925,000 108,392,000 120,442,000 110,452,000 104,844,000 51,713,000 53,247,000 38,340,000 34,099,000 34,119,000 32,570,000 36,324,000 24,040,000  19,823,000 20,674,000 19,773,000 22,212,000 20,614,000 23,628,000 22,152,000 19,450,000 10,971,000 11,060,000 11,932,000 
        total assets
      		18,583,149,000 18,359,162,000 18,871,452,000 19,035,102,000 18,519,872,000 18,719,802,000 18,798,354,000 18,258,414,000 17,944,493,000 18,107,093,000 17,963,253,000 18,732,648,000 18,918,225,000 18,447,721,000 18,115,336,000 17,753,476,000 17,117,007,000 16,986,025,000 15,573,868,000 14,958,207,000 14,959,127,000 14,708,922,000 14,145,383,000 9,849,965,000 9,891,464,000 10,017,037,000 8,811,014,000 8,684,463,000 8,891,114,000 8,593,979,000 6,022,614,000 5,469,542,000 5,667,195,000 5,446,797,000 5,261,967,000 5,055,000,000 4,478,339,000 4,375,727,000 4,258,364,000 3,654,311,000 1,954,754,000 1,905,851,000 1,764,715,000 
        liabilities and stockholders’ equity
      		                                           
        deposits:
      		                                           
        noninterest-bearing
      		3,447,184,000 3,378,493,000 3,300,773,000 3,530,704,000 3,703,784,000 3,905,492,000 4,148,360,000 4,736,830,000 5,107,001,000 5,123,321,000 5,003,728,000 5,066,588,000 4,913,580,000 4,634,530,000 4,466,310,000 4,164,800,000 4,187,150,000 3,984,404,000 3,156,270,000 3,240,185,000 3,218,055,000 3,153,001,000 3,089,794,000 2,145,930,000 2,235,377,000 2,170,639,000 1,836,929,000 1,907,770,000 1,939,342,000 1,885,138,000 1,126,113,000  1,143,479,000 1,107,620,000 1,070,611,000 1,071,656,000 884,272,000 886,087,000 806,912,000 711,475,000 281,452,000 261,618,000 243,235,000 
        interest-bearing
      		12,547,884,000 12,464,183,000 12,370,942,000 12,192,331,000 11,637,185,000 10,968,014,000 9,907,327,000 10,384,587,000 9,854,007,000 9,940,627,000 9,846,543,000 10,487,320,000 10,610,602,000 10,429,261,000 10,337,482,000 10,234,127,000 9,610,410,000 9,314,631,000 8,726,496,000 8,701,151,000 8,509,830,000 8,377,586,000 8,149,632,000 5,591,864,000 5,547,475,000 5,362,766,000 4,957,731,000 4,725,052,000 4,933,289,000 4,784,150,000 3,596,090,000  3,273,014,000 3,100,785,000 3,101,341,000 2,956,623,000 2,649,768,000 2,581,397,000 2,579,766,000 2,141,943,000 1,259,296,000 1,223,511,000 1,171,864,000 
        total deposits
      		15,995,068,000 15,842,676,000 15,671,715,000 15,723,035,000 15,340,969,000 14,873,506,000 14,055,687,000 15,121,417,000 14,961,008,000 15,063,948,000 14,850,271,000 15,553,908,000 15,524,182,000 15,063,791,000 14,803,792,000 14,398,927,000 13,797,560,000 13,299,035,000 11,882,766,000 11,941,336,000 11,727,885,000 11,530,587,000 11,239,426,000 7,737,794,000 7,782,852,000 7,533,405,000 6,794,660,000 6,632,822,000 6,872,631,000 6,669,288,000 4,722,203,000 3,172,343,000 4,416,493,000 4,208,405,000 4,171,952,000 4,028,279,000 3,534,040,000 3,467,484,000 3,386,678,000 2,853,418,000 1,540,748,000 1,485,129,000 1,415,099,000 
        fhlb advances
      		   350,000,000 275,000,000 875,000,000 1,800,000,000 300,000,000 200,000,000 175,000,000 150,000,000 150,000,000 350,000,000 375,000,000 375,000,000 375,000,000 375,000,000 925,000,000 975,000,000 325,000,000 555,000,000 580,000,000 340,000,000 290,000,000 345,000,000 750,626,000 480,646,000 530,667,000 560,687,000 460,707,000 460,727,000 465,010,000 470,765,000 470,784,000 380,805,000 288,325,000 263,346,000 194,366,000 219,386,000 269,443,000 161,507,000 164,529,000 164,552,000 
        other borrowings
      		454,762,000 427,129,000 496,975,000 271,821,000 271,666,000 305,262,000 337,607,000 267,066,000 266,892,000 334,718,000 269,545,000 283,371,000 281,697,000 306,023,000 308,350,000 312,175,000 305,529,000 191,462,000 177,860,000 202,251,000 212,642,000 212,534,000 198,425,000 137,316,000 137,207,000 137,098,000 136,990,000 136,911,000 107,567,000 107,478,000 107,388,000  107,159,000 107,335,000 63,890,000 68,295,000 68,548,000 68,853,000 68,785,000 4,460,000 4,460,000 8,882,000 12,064,000 
        junior subordinated debentures
      		54,766,000 54,717,000 54,667,000 54,617,000 54,568,000 54,518,000 54,469,000 54,419,000 54,370,000 54,320,000 54,270,000 54,221,000 54,171,000 54,122,000 54,072,000 54,023,000 53,973,000 53,924,000 53,874,000 53,824,000 53,775,000 53,725,000 53,676,000 27,852,000 27,803,000 27,753,000 27,704,000 27,654,000 27,604,000 27,555,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 18,147,000 
        other liabilities
      		129,655,000 137,557,000 247,288,000 233,036,000 245,571,000 258,474,000 199,734,000 130,129,000 107,883,000 114,772,000 116,707,000 114,498,000 141,482,000 105,900,000 81,005,000 97,980,000 108,572,000 91,644,000 98,083,000 96,023,000 110,893,000 82,734,000 79,654,000 50,570,000 31,418,000 29,886,000 16,315,000 20,391,000 25,927,000 53,195,000 25,680,000  11,328,000 12,448,000 10,865,000 9,982,000 23,410,000 59,145,000 5,537,000 10,550,000 8,111,000 7,299,000 4,188,000 
        total liabilities
      		16,634,251,000 16,462,079,000 16,470,645,000 16,632,509,000 16,187,774,000 16,366,760,000 16,447,497,000 15,873,031,000 15,590,153,000 15,742,758,000 15,440,793,000 16,155,998,000 16,351,532,000 15,904,836,000 15,622,219,000 15,238,105,000 14,640,634,000 14,561,065,000 13,187,583,000 12,618,434,000 12,660,195,000 12,459,580,000 11,911,181,000 8,243,532,000 8,324,280,000 8,478,768,000 7,456,315,000 7,348,445,000 7,609,654,000 7,334,387,000 5,334,145,000  5,023,942,000 4,817,169,000 4,645,709,000 4,427,691,000 3,910,082,000 3,816,280,000 3,707,636,000 3,163,220,000 1,736,243,000 1,691,669,000 1,639,992,000 
        commitments and contingencies
      		                                           
        stockholders’ equity:
      		                                           
        preferred stock
      		                                           
        common stock
      		414,000 414,000 414,000 413,000 413,000 413,000 413,000 412,000 412,000 412,000 428,000 428,000 429,000 432,000 432,000 431,000 432,000 430,000 430,000 430,000 430,000 430,000 437,000 306,000 305,000 305,000 284,000 283,000 278,000 278,000 189,000  185,000 185,000 185,000 184,000 171,000 171,000 171,000 164,000 121,000 121,000 83,000 
        additional paid-in capital
      		1,974,143,000 1,972,019,000 1,969,291,000 1,966,686,000 1,964,764,000 1,964,341,000 1,961,637,000 1,959,193,000 1,955,096,000 1,951,317,000 1,947,909,000 1,945,497,000 1,942,783,000 1,940,360,000 1,938,012,000 1,934,807,000 1,932,690,000 1,930,722,000 1,928,241,000 1,926,359,000 1,924,385,000 1,922,475,000 1,920,723,000 1,317,616,000 1,313,981,000 1,312,432,000 1,153,553,000 1,151,990,000 1,109,884,000 1,108,608,000 556,350,000  534,446,000 533,369,000 531,243,000 530,107,000 479,615,000 478,497,000 477,564,000 444,342,000 209,840,000 209,396,000 122,597,000 
        retained earnings
      		117,652,000 114,763,000 624,017,000 616,724,000 617,673,000 600,829,000 583,529,000 638,354,000 613,889,000 578,201,000 657,154,000 625,484,000 600,987,000 579,585,000 535,375,000 543,800,000 504,135,000 454,878,000 426,942,000 393,674,000 354,177,000 309,314,000 309,571,000 296,816,000 267,118,000 235,689,000 210,028,000 184,232,000 167,820,000 147,086,000 131,730,000  105,023,000 91,997,000 81,665,000 70,698,000 61,670,000 54,896,000 45,754,000 20,796,000 9,108,000 5,874,000 581,000 
        accumulated other comprehensive loss
      		-143,311,000 -190,113,000 -192,915,000 -181,230,000 -250,752,000 -212,541,000 -194,722,000                 -8,305,000 -14,220,000 -10,157,000 -9,166,000 -487,000                
        total stockholders’ equity
      		1,948,898,000 1,897,083,000 2,400,807,000 2,402,593,000 2,332,098,000 2,353,042,000 2,350,857,000 2,385,383,000 2,354,340,000 2,364,335,000 2,522,460,000 2,576,650,000 2,566,693,000 2,542,885,000 2,493,117,000 2,515,371,000 2,476,373,000 2,424,960,000 2,386,285,000 2,339,773,000 2,298,932,000 2,249,342,000 2,234,202,000 1,606,433,000 1,567,184,000 1,538,269,000 1,354,699,000 1,336,018,000 1,281,460,000 1,259,592,000 688,469,000  643,253,000 629,628,000 616,258,000 603,371,000 568,257,000 559,447,000 550,728,000 491,091,000 218,511,000 214,182,000 124,723,000 
        total liabilities and stockholders’ equity
      		18,583,149,000 18,359,162,000 18,871,452,000 19,035,102,000 18,519,872,000 18,719,802,000 18,798,354,000 18,258,414,000 17,944,493,000 18,107,093,000 17,963,253,000 18,732,648,000 18,918,225,000 18,447,721,000 18,115,336,000 17,753,476,000 17,117,007,000 16,986,025,000 15,573,868,000 14,958,207,000 14,959,127,000 14,708,922,000 14,145,383,000 9,849,965,000 9,891,464,000 10,017,037,000 8,811,014,000 8,684,463,000 8,891,114,000 8,593,979,000 6,022,614,000      4,478,339,000 4,375,727,000 4,258,364,000 3,654,311,000 1,954,754,000 1,905,851,000 1,764,715,000 
        securities held to maturity, net of allowance for credit losses of 0 and 0, respectively, fair value of 165,869 and 170,997, respectively
      		 204,319,000                                          
        loans, net of allowance for credit losses of 145,323 and 151,861, respectively
      		 14,476,500,000                                          
        securities held to maturity, net of allowance for credit losses of 0 and 0, respectively, fair value of 166,736 and 170,997, respectively
      		  204,776,000                                         
        loans, net of allowance for credit losses of 148,437 and 151,861, respectively
      		  14,465,456,000                                         
        securities held to maturity, net of allowance for credit losses of 0 and 0, respectively, fair value of 170,997 and 162,239, respectively
      		   205,232,000                                        
        loans, net of allowance for credit losses of 151,861 and 148,787, respectively
      		   14,558,681,000                                        
        securities held to maturity, net of allowance for credit losses of 0 and 0, respectively
      		    205,689,000 206,146,000 206,602,000 207,059,000 207,516,000 207,972,000 188,047,000                                 
        loans, net of allowance for credit losses of 148,249 and 148,787, respectively
      		    14,075,155,000                                       
        loans, net of allowance for credit losses of 147,804 and 148,787, respectively
      		     13,971,311,000                                      
        loans, net of allowance for credit losses of 146,850 and 148,787, respectively
      		      13,859,736,000                                     
        loans, net of allowance for credit losses of 148,787 and 148,706, respectively
      		       13,760,576,000                                    
        accumulated other comprehensive income
      		       -212,576,000 -215,057,000 -165,595,000 -83,031,000 5,241,000 22,494,000 22,508,000 19,298,000 36,333,000 39,116,000 38,930,000 30,672,000 19,310,000 19,940,000 17,123,000 3,471,000      3,478,000 3,620,000 200,000  3,599,000 4,077,000 3,165,000 2,382,000 2,863,000 1,945,000 3,301,000 1,851,000 -558,000 -1,209,000 1,694,000 
        loans, net of allowance for credit losses of 146,395 and 148,706, respectively
      		        13,548,406,000                                   
        loans, net of allowance for credit losses of 144,170 and 148,706, respectively
      		         13,373,958,000                                  
        loans, net of allowance for credit losses of 146,313 and 148,706, respectively
      		          12,382,000,000                                 
        loans, net of allowance for credit losses of 148,706 and 87,820, respectively
      		           12,290,740,000                                
        loans, net of allowance for credit losses of 150,281 and 87,820, respectively
      		            12,291,233,000                               
        loans, net of allowance for credit losses of 154,791 and 87,820, respectively
      		             12,315,865,000                              
        loans, net of allowance for credit losses of 165,827 and 87,820, respectively
      		              12,604,930,000                             
        loans
      		               12,978,238,000 12,770,681,000 12,497,449,000 11,758,272,000 11,562,814,000 11,544,582,000 11,183,877,000 10,894,373,000 7,839,695,000 7,658,989,000 7,598,644,000 6,607,620,000 6,432,273,000 6,324,545,000 6,200,978,000 4,666,653,000 4,234,368,000            
        federal funds sold
      		                5,000,000            10,000,000 10,000,000 10,000,000           35,000,000  
        core deposit intangible
      		                       45,042,000 46,533,000 48,052,000 41,913,000 43,244,000 47,198,000 48,992,000 13,685,000  14,669,000 15,161,000 15,653,000 16,357,000 11,353,000 11,716,000 12,083,000 10,779,000 2,724,000 2,899,000 3,075,000 
        repurchase agreements
      		                            15,238,000 16,164,000      12,160,000  5,374,000 5,783,000 3,932,000    
        boh holdings, inc.
      		                                           
        houston community bancshares, inc.
      		                                           
        grand bank
      		                                           
        interest-earning assets:
      		                                           
        taxable securities
      		                               221,905,000            
        nontaxable securities
      		                               74,227,000            
        federal funds sold and other
      		                               290,316,000            
        total interest-earning assets
      		                               4,820,816,000            
        noninterest-earning assets
      		                               648,726,000            
        interest-bearing liabilities:
      		                                           
        checking accounts
      		                               1,761,509,000            
        savings accounts
      		                               150,223,000            
        money market accounts
      		                               429,647,000            
        certificates of deposit
      		                               830,964,000            
        repurchase agreements and other borrowings
      		                               87,943,000            
        total interest-bearing liabilities
      		                               3,743,443,000            
        noninterest-bearing checking accounts
      		                               1,076,340,000            
        noninterest-bearing liabilities
      		                               13,895,000            
        stockholders’ equity
      		                               635,864,000            
        total liabilities and equity
      		                               5,469,542,000            
        net interest income
      		                               183,806,000            
        interest rate spread
      		                               3,660            
        net interest margin
      		                               3,810            
        average interest earning assets to interest bearing liabilities
      		                               128,780            
        securities available for sale
      		                                267,860,000 287,976,000 302,650,000 273,463,000 200,188,000 180,465,000 198,149,000 249,856,000 130,987,000 110,932,000 114,540,000 
        loans, net of allowance for loan losses of 29,575 and 27,043, respectively
      		                                4,329,217,000           
        liabilities, temporary equity and stockholders’ equity
      		                                           
        other borrowings, related parties
      		                                50,000 50,000 50,000 2,503,000 2,591,000 2,911,000 3,320,000 3,270,000 3,270,000 7,683,000 8,536,000 
        temporary equity: series a preferred stock
      		                                   23,938,000        
        total liabilities, temporary equity and stockholders’ equity
      		                                5,667,195,000 5,446,797,000 5,261,967,000 5,055,000,000        
        loans, net of allowance for loan losses of 30,916 and 27,043, respectively
      		                                 4,218,549,000          
        loans, net of allowance for loan losses of 29,984 and 27,043, respectively
      		                                  4,098,573,000         
        loans, net of allowance for loan losses of 27,043 and 18,552, respectively
      		                                   3,960,809,000        
        series a preferred stock
      		                                    23,938,000 23,938,000 23,938,000 23,938,000    
        loans, net of allowance for loan losses of 25,088 and 18,552, respectively
      		                                    3,503,081,000       
        loans, net of allowance for loan losses of 21,764 and 18,552, respectively
      		                                     3,352,846,000      
        loans, net of allowance for loan losses of 20,227 and 18,552, respectively
      		                                      3,283,021,000     
        federal reserve excess balance account
      		                                       43,977,000 91,000,000 70,075,000 63,330,000 
        loans, net of allowance for loan losses of 16,219 and 13,960, respectively
      		                                       2,828,324,000    
        loans, net of allowance for loan losses of 13,145 and 11,478, respectively
      		                                        1,542,453,000   
        adriatica real estate
      		                                        9,678,000 9,656,000 9,724,000 
        notes payable
      		                                          15,082,000 
        treasury stock
      		                                          -232,000 
        loans, net of allowance for loan losses of 12,762 and 11,478, respectively
      		                                         1,499,153,000  
        loans, net of allowance for loan losses of 11,984, 11,984 and 11,478, respectively
      		                                          1,403,922,000 
        federal home loan bank (“fhlb”) of dallas stock and other restricted stock
      		                                          8,170,000 
        dividends payable
      		                                          2,324,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2024-09-30 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 2013-09-30 2013-06-30 2013-03-31 
                                                  
          cash flows from operating activities:
        		                                          
          net income
        		  24,150,000 -28,298,799 32,775,000 33,077,000 -37,510,000 -155,340,709 52,437,000 52,360,000 50,740,000 -170,338,250 52,340,000 58,243,000 59,980,000 -142,733,791 60,075,000 38,693,000 44,167,000 50,236,000 55,633,000 49,736,000 37,131,000 -94,166,741 35,696,000 29,635,000 28,964,000 19,193,000 23,514,000 18,134,000 15,671,000 14,775,000 14,504,000 11,809,000 12,452,000 10,561,000 8,202,000 10,571,000 9,452,000 3,959,000 5,874,000 5,688,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                                          
          depreciation expense
        		4,889,000 4,894,000 4,911,000  4,691,000 4,505,000 4,433,000  4,232,000 3,150,000 3,292,000  3,028,000 3,085,000 3,160,000  3,174,000 3,176,000 3,154,000 3,104,000 3,037,000 2,948,000 2,694,000  2,195,000 2,079,000 2,050,000 1,993,000 2,167,000 2,273,000 1,763,000 1,736,000 1,721,000 1,667,000 1,639,000 1,624,000 1,572,000 1,553,000 1,521,000 1,188,000 1,034,000 949,000 
          accretion income recognized on loans
        		-1,042,000 -1,000,000 -773,000  -971,000 -927,000 -1,115,000  -2,147,000                                  
          amortization of other intangibles assets
        		2,893,000 2,953,000 3,075,000  3,111,000 3,111,000 3,111,000  3,117,000 3,118,000 3,145,000  3,145,000 3,145,000 3,145,000  3,175,000 3,175,000 3,176,000 3,175,000 3,235,000 3,235,000 3,235,000                    
          amortization of premium on securities
        		1,406,000 792,000 1,401,000  1,809,000 1,842,000 1,861,000  1,916,000 1,906,000 1,645,000  1,290,000 1,235,000 982,000  732,000 677,000 619,000 618,000 556,000 697,000 800,000  731,000 862,000 1,175,000 996,000 998,000 914,000 721,000 702,000 716,000 435,000 377,000 398,000 388,000 346,000 426,000    
          amortization of discount and origination costs on borrowings
        		197,000 204,000 204,000 -997,797 204,000 204,000 591,000 -669,107 224,000 223,000 223,000 -669,106 223,000 223,000 224,000 -496,280 179,000 159,000 159,000 158,000 158,000 158,000 159,000 -474,367 160,000 157,000 158,000  138,000              
          stock based compensation expense
        		2,125,000 2,728,000 2,606,000 -5,564,506 423,000 2,704,000 2,445,000 -9,586,303 3,779,000 3,409,000 2,412,000 -7,966,309 2,423,000 2,348,000 3,206,000 -6,324,550 1,970,000 2,481,000 1,882,000 1,974,000 1,910,000 1,752,000 2,172,000 -4,489,938 1,541,000 1,543,000 1,412,000 1,246,000 1,276,000 1,196,000 970,000  892,000 2,421,000 1,220,000  1,115,000 1,002,000 1,097,000    
          goodwill impairment
        		0                                          
          excess tax expense on restricted stock vested
        		-64,000 10,000 313,000 -215,720 120,000 11,000 85,000     646,309 -421,000 -32,000 -194,000 -245,757 44,000 122,000 80,000                        
          fhlb stock dividends
        		-157,000 -236,000 -483,000  -756,000 -1,143,000 -397,000  -73,000 -21,000 -31,000  -31,000 -32,000 -33,000  -236,000 -143,000 -168,000 -209,000 -239,000 -215,000 -191,000  -220,000 -178,000 -140,000 -140,000 -119,000 -101,000 -88,000 -85,000 -73,000 -67,000 -36,000 -11,000 -10,000 -10,000 -12,000 -8,000 -7,000 -5,000 
          loss on sale and disposal of premises and equipment
        		9,000    56,000 -354,000 -47,000  101,000 46,000 163,000  41,000 13,000 7,000   -340,000 63,000                        
          loss on sale of loans
        		0    7,000      1,484,000        42,000                        
          gain on sale of other real estate owned
        		0 0 -13,000              0 -12,000 -25,000  -539,000      -60,000                
          impairment of other real estate
        		0 0 345,000  0 1,000,000 1,200,000          46,000   377,000 0 988,000 436,000  0 0 85,000 375,000 917,000   0 51,000 0 55,000 0 10,000   12,000 15,000 448,000 
          impairment of other assets
        		    0 153,000 802,000      115,000 0 9,000     0                       
          deferred tax expense
        		4,595,000 9,549,000 708,000 17,841,396 790,000 -1,284,000 -17,347,000 -2,720,579 598,000 -2,081,000 4,203,000 -4,393,210 -766,000 388,000 4,771,000   -3,651,000 2,471,000 2,487,000 3,100,000 1,897,000 6,618,000 -2,128,946 1,360,000 41,000 729,000 13,725,000 1,293,000 1,055,000 981,000    594,000        
          provision for credit losses
        		4,700,000 0 -3,200,000  340,000 220,000 90,000    -1,443,000  0 -6,500,000 -2,500,000                            
          increase in cash surrender value of boli
        		-1,652,000 -1,572,000 -1,555,000  -1,465,000 -1,410,000 -1,377,000  -1,350,000 -1,327,000 -1,310,000  -1,282,000 -1,287,000 -1,272,000  -1,335,000 -1,331,000 -1,341,000 -1,390,000 -1,402,000 -1,374,000 -1,359,000  -831,000 -758,000 -739,000                
          excess benefit claim on boli
        		    -204,000 0 -318,000  0 0 -784,000                                
          net gain on mortgage loans held for sale
        		-1,537,000 -1,329,000 -910,000  -1,119,000 -1,397,000 -1,209,000  -853,000 -1,220,000 -1,407,000  -6,244,000 -5,836,000 -5,299,000  -13,991,000 -8,729,000 -3,916,000 -4,163,000                       
          originations of loans held for sale
        		-56,974,000 -56,005,000 -57,971,000  -64,739,000 -87,469,000 -56,152,000  -60,885,000 -85,392,000 -90,828,000  -153,036,000 -162,083,000 -217,882,000  -295,782,000 -217,273,000 -107,580,000 -133,207,000 -126,481,000 -100,748,000 -74,640,000  -86,942,000 -109,805,000 -97,009,000 -138,544,000 -100,110,000              
          proceeds from sale of loans held for sale
        		57,717,000 66,621,000 54,002,000  66,414,000 86,818,000 52,095,000  66,284,000 82,836,000 101,616,000  171,493,000 182,034,000 248,029,000  295,232,000 192,564,000 107,714,000 134,654,000 121,111,000 103,958,000 87,568,000  89,268,000 107,766,000 108,194,000 125,196,000 99,474,000              
          net change in other assets
        		12,143,000 -20,208,000 8,881,000 681,830 -14,143,000 -1,597,000 15,058,000 19,050,107 -17,614,000 -4,761,000 3,325,000 -6,958,980 -12,806,000 8,933,000 10,833,000 35,878,410 -525,000 -24,419,000 -10,935,000 12,110,000 -10,467,000 -5,841,000 -1,680,000 15,889,918 -14,809,000 -1,093,000 19,000 -3,450,000 3,692,000 -4,221,000 -2,008,000 -2,139,000 715,000 -880,000 1,326,000 4,269,000 -2,863,000 -1,765,000 6,446,000 89,000 872,000 -644,000 
          net change in other liabilities
        		-4,858,000 -103,495,000 2,679,000 -88,838,642 -4,043,000 30,930,000 61,952,000 26,751,140 14,300,000 9,645,000 -50,696,000 25,255,500 7,401,000 -9,623,000 -23,033,000 5,586,048 -940,000 -6,627,000 1,980,000 -24,907,000 27,453,000 -1,780,000 -16,402,000 -1,119,870 1,262,000 3,615,000 -3,756,000 -3,023,000 5,775,000 -8,873,000 3,201,000 5,863,000 -905,000 1,288,000 780,000 -4,354,000 7,574,000 829,000 -13,081,000 -179,000 3,109,000 -1,355,000 
          net cash from operating activities
        		44,827,000 -71,538,000 38,296,000 -120,420,217 23,300,000 69,001,000 28,251,000 -148,432,849 68,001,000 59,313,000 21,314,000 -209,588,242 62,842,000 68,982,000 77,888,000 -86,050,114 51,177,000 -5,493,000 40,425,000 34,430,000 60,993,000 40,290,000 37,606,000 -105,568,870 29,027,000 35,090,000 41,488,000 12,555,000 39,061,000 4,258,000 26,921,000 19,458,000 26,195,000 10,627,000 23,997,000 9,156,000 18,065,000 14,760,000 4,311,000 10,810,000 8,126,000 9,433,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		44,827,000 -71,538,000 38,296,000 -120,420,217 23,300,000 69,001,000 28,251,000 -148,432,849 68,001,000 59,313,000 21,314,000 -209,588,242 62,842,000 68,982,000 77,888,000 -86,050,114 51,177,000 -5,493,000 40,425,000 34,430,000 60,993,000 40,290,000 37,606,000 -105,568,870 29,027,000 35,090,000 41,488,000 12,555,000 39,061,000 4,258,000 26,921,000 19,458,000 26,195,000 10,627,000 23,997,000 9,156,000 18,065,000 14,760,000 4,311,000 10,810,000 8,126,000 9,433,000 
          cash flows from investing activities:
        		                                          
          investment securities available for sale:
        		                                          
          proceeds from maturities, calls and paydowns
        		1,389,030,000 4,150,636,000 1,335,366,000  42,665,000 24,351,000 35,731,000  59,560,000 4,047,236,000 3,061,183,000                                
          purchases
        		-1,349,805,000 -4,099,138,000 -1,299,754,000  0    -3,914,000 -4,065,623,000 -3,211,644,000                                
          proceeds from maturities of certificates of deposit held in other banks
        		    0    521,000 1,732,000 248,000  0    0   0 248,000                      
          proceeds from benefit claim of boli
        		    494,000 0 748,000  0 0 1,344,000                                
          purchases of fhlb stock and other restricted stock
        		0 -10,245,000 -3,455,000  -16,388,000 -1,121,000 -61,575,000      0    0 -1,826,000 -25,211,000 0 -775,000 -6,016,000 -2,606,000                    
          proceeds from redemptions of fhlb stock and other restricted stock
        		0 7,964,000 26,879,000  59,168,000    37,000 3,097,000 33,000      30,943,000 0 106,000 75,000 4,442,000 4,346,000 26,000,000                    
          proceeds from sale of loans
        		14,736,000 0 8,228,000  2,231,000    0 1,827,000 17,506,000  0    563,000 11,079,000 1,455,000 0        0   56,345,000  79,728,000 78,776,000 53,265,000 -159,976,000 53,804,000 57,534,000 53,403,000 41,421,000 45,572,000 50,812,000 
          net loans paid (originated) held for investment
        		78,346,000 59,025,000 101,440,000                                        
          originations of mortgage warehouse purchase loans
        		-3,395,483,000 -3,887,787,000 -3,305,227,000  -3,124,252,000 -3,148,102,000 -2,238,118,000  -2,999,329,000 -3,684,875,000 -4,600,627,000  -7,868,748,000 -7,128,832,000 -8,419,896,000  -7,520,590,000 -5,172,876,000 -4,523,819,000 -4,404,637,000 -3,870,187,000 -2,981,690,000 -1,579,008,000                    
          proceeds from pay-offs of mortgage warehouse purchase loans
        		3,636,446,000 3,808,749,000 3,300,300,000  3,173,040,000 3,057,559,000 2,149,670,000  3,128,475,000 3,716,239,000 4,819,921,000  7,785,272,000 7,340,207,000 8,767,994,000  7,205,207,000 5,065,855,000 4,414,527,000 4,377,970,000 3,663,029,000 2,779,456,000 1,498,040,000                    
          additions to premises and equipment
        		-3,456,000 -4,274,000 -1,403,000  -5,379,000 -6,687,000 -3,746,000  -9,653,000 -16,875,000 -19,441,000  -12,955,000 -5,978,000 -3,811,000  -2,652,000 -2,527,000 -5,948,000 -4,987,000 -407,000 -14,685,000 -11,601,000  -14,560,000 -8,343,000 -1,594,000 -1,567,000 -9,870,000 -1,601,000 -155,000 -1,459,000 -1,116,000 -2,295,000 -1,269,000 -2,281,000 -7,210,000 -1,508,000 -2,782,000 -1,133,000 -1,753,000 -3,279,000 
          proceeds from sale of premises and equipment
        		    0 493,000 188,000  165,000 0 9,000  0 0 21,000  71,000 1,758,000 66,000 0 493,000 1,598,000 9,000  11,340,000 3,135,000 4,000 1,000 5,000 1,000 9,000 -247,000 416,000 79,000 84,000 26,000    57,000 0 9,000 
          proceeds from sale of other real estate owned
        		0 2,140,000 473,000              0 1,905,000 4,200,000 1,220,000 5,238,000    95,000 1,321,000 1,638,000 3,785,000 4,413,000   0 738,000 711,000 411,000 136,000 887,000 1,121,000 316,000 1,000 550,000 496,000 
          net cash from investing activities
        		370,062,000 27,070,000 162,847,000 212,321,000 -32,080,000 -59,319,000 -120,991,000  -165,335,000 -1,059,836,000 -288,839,000  -177,705,000 65,347,000 138,573,000  -254,999,000 -706,508,000 -212,719,000 -1,573,000 -259,588,000 -387,803,000 -25,024,000 546,410,409 -25,468,000 -337,910,000 -183,056,000 -270,152,000 -173,069,000 -59,049,000 -160,063,000 -272,710,000 -84,156,000 -98,916,000 -153,522,000 -53,488,000 -166,420,000 -52,969,000 -96,254,000 -60,065,000 -97,720,000 -51,278,000 
          cash flows from financing activities:
        		                                          
          net increase in demand deposits, money market and savings accounts
        		280,128,000        -299,747,000 241,871,000 -550,396,000  498,016,000 383,757,000 456,447,000  661,863,000 1,513,277,000 -9,596,000 261,187,000 234,462,000 106,349,000 274,844,000  134,307,000 49,520,000 191,218,000                
          net increase in time deposits
        		-127,736,000 107,533,000 -41,811,000  705,652,000 1,362,853,000 435,177,000          -163,338,000 -97,008,000 -48,974,000 -47,736,000 -9,443,000 184,812,000 109,503,000  115,140,000 96,147,000 -29,380,000 -65,597,000   3,978,000 -23,860,000 89,416,000 -13,024,000 -40,862,000 -82,910,000 46,685,000 4,174,000 38,179,000 8,935,000 16,348,000 15,384,000 
          proceeds from fhlb advances
        		0 600,000,000 1,050,000,000  2,545,000,000 6,700,000,000 3,350,000,000  200,000,000        100,000,000 400,000,000 1,100,000,000 100,000,000 300,000,000 600,000,000 700,000,000  150,000,000 685,000,000 275,000,000 100,000,000    0 50,000,000 300,000,000 225,000,000 120,000,000       
          repayments of fhlb advances
        		0 -600,000,000 -1,400,000,000  -3,145,000,000 -7,625,000,000 -1,850,000,000  -175,000,000        -650,000,000 -450,000,000 -450,000,000 -330,000,000 -325,000,000 -360,000,000 -792,653,000  -555,626,000 -475,020,000 -325,021,000 -130,020,000 -20,000 -20,000 -19,000 -10,019,000 -50,019,000 -210,021,000 -132,520,000 -97,857,000       
          proceeds from other borrowings
        		171,235,000 0 228,634,000 -99,900,000 0 0 100,000,000 -110,889,000 0 108,000,000 3,000,000 -57,925,000 55,500,000 0 2,500,000 -149,867,347 136,180,000   9,000,000 0            -263,000          
          repayments of other borrowings
        		-143,750,000 -70,000,000 -3,634,000 96,153,750 -33,750,000 -32,500,000 -30,000,000 127,872,000 -68,000,000 -43,000,000 -17,000,000 88,895,500 -80,000,000 -2,500,000 -6,500,000 47,046,750 -22,243,000 -343,000 -24,500,000 -19,500,000 0            0 0 -5,798,000  -625,000 -341,000 -625,000  -19,117,000 -835,000 
          repurchase of common stock
        		-1,713,000 -18,000 -1,129,000 2,054,825 -418,000 -22,000 -1,617,000 119,045,254 -1,054,000 -115,322,000 -2,789,000 17,888,868 -16,256,000 -176,000 -1,489,000 153,181 -13,000 -1,000 -145,000 -8,000 -41,000 -39,103,000 -12,507,000                    
          dividends paid
        		-15,747,000 -15,724,000 -15,685,000 46,957,293 -15,688,000 -15,687,000 -15,645,000 47,774,508 -15,644,000 -15,957,000 -16,237,000 41,365,139 -14,646,000 -13,822,000 -12,954,000 32,269,735 -10,805,000 -10,756,000 -10,754,000 -10,731,000 -10,729,000 -10,897,000 -10,945,000 11,626,092 -4,267,000 -3,974,000 -3,401,000 -2,781,000 -2,780,000 -2,778,000 -1,892,000 -1,847,000 -1,478,000 -1,477,000 -1,485,000 -1,593,000 -1,428,000 -1,429,000 -1,369,000 -725,000 -2,324,000 -3,030,000 
          net cash from financing activities
        		162,417,000 85,219,000 -193,134,000 -149,286,132 -182,393,000 -155,390,000 487,008,000 726,702,762 -162,638,000 172,398,000 -736,663,000 -1,010,030,493 379,989,000 243,501,000 386,422,000 -1,976,800,000 51,644,000 1,369,005,000 556,031,000 -37,788,000 189,249,000 495,161,000 288,438,000 -299,910,584 -160,438,000 351,767,000 108,568,000 -74,318,000 317,125,000 119,568,000 143,238,000 168,679,000 210,956,000 168,368,000 192,772,000 -16,339,000 78,109,000 103,607,000 126,694,000 43,017,000 135,223,000 20,445,000 
          net change in cash and cash equivalents
        		577,306,000 40,751,000 8,009,000 -57,385,349 -191,173,000 -145,708,000 394,268,000 2,092,279,913 -259,972,000 -828,125,000 -1,004,188,000 -1,245,833,735 265,126,000 377,830,000 602,883,000 -888,565,795 -152,178,000 657,004,000 383,737,000 -4,931,000 -9,346,000 147,648,000 301,020,000 140,930,955 -156,879,000 48,947,000 -33,000,000 -331,915,000 183,117,000 64,777,000 10,096,000 -84,573,000 152,995,000 80,079,000 63,247,000 -60,671,000 -70,246,000 65,398,000 34,751,000 -6,238,000 45,629,000 -21,400,000 
          cash and cash equivalents at beginning of period
        		0 0 721,989,000  0 0 654,322,000  0 0 2,608,444,000  0 0 1,813,987,000  0 0 565,170,000                     0 0 102,290,000 
          cash and cash equivalents at end of period
        		577,306,000 40,751,000 729,998,000  -191,173,000 -145,708,000 1,048,590,000  -259,972,000 -828,125,000 1,604,256,000  265,126,000 377,830,000 2,416,870,000  -152,178,000 657,004,000 948,907,000      -156,879,000 48,947,000 398,102,000  183,117,000 64,777,000 515,123,000  152,995,000 80,079,000 356,526,000  -70,246,000 65,398,000 358,798,000 -6,238,000 45,629,000 80,890,000 
          net loss
        		                                          
          gain on sale and disposal of premises and equipment
        		                                          
          gain on sale of loans
        		  -74,000          0    0   0        0        0       
          net decrease in demand deposits, money market and savings accounts
        		  -9,509,000  -238,189,000 -545,034,000 -1,500,907,000                                    
          equity in undistributed loss of subsidiaries
        		                                          
          capital investment in subsidiaries
        		                                          
          cash and cash equivalents at beginning of year
        		                   0 0 0 130,779,000 -431,092,600 0 0 431,102,000 0 0 0 505,027,000 0 0 0 293,279,000 0 0 0 324,047,000    
          cash and cash equivalents at end of year
        		                   -4,931,000 -9,346,000 147,648,000 431,799,000                    
          investment securities held to maturity:
        		                                          
          net loans originated held for investment
        		    -163,659,000 849,000 -3,889,000  -340,367,000 -1,042,302,000 -286,598,000  110,570,000 127,422,000 -33,926,000  41,201,000 -659,833,000 -89,252,000 17,669,000 -149,412,000 -157,047,000 -180,233,000  -73,547,000 -299,268,000 -214,533,000                
          equity in undistributed net income of subsidiaries
        		                                          
          excess tax benefit on restricted stock vested
        		        -321,000 2,000 -354,000           30,000 -20,000 631,354 -19,000 -264,000 -349,000 -51,000 -28,000 -520,000 -724,000            
          proceeds from sales
        		                                          
          purchase of bank owned life insurance contracts
        		                        0       0 0          
          benefit from credit losses
        		                                          
          net decrease in time deposits
        		         -28,194,000 -153,241,000  -37,625,000 -123,758,000 -51,582,000                            
          accretion income recognized on acquired loans
        		          -4,081,000  -4,008,000 -5,246,000 -6,245,000             -3,540,000 -2,227,000 -1,586,000 -480,000            
          cash acquired in connection with acquisition
        		                                          
          cash paid in connection with acquisition
        		                   0 0 0 -9,000 30,984,984 0                  
          offering costs paid in connection with acquired bank
        		                   0 0 0 -804,000 208,791 0                  
          gain on sale of securities available for sale
        		                0 -26,000 -356,000      115,000   -72,000 0   0 0   -44,000 0      
          proceeds from maturities, calls and paydowns of securities available for sale
        		            75,716,000                              
          proceeds from sale of securities available for sale
        		            0    0 762,000 13,100,000 2,713,000 0 4,196,000 185,508,000  15,254,000 12,672,000 14,801,000 14,140,000 417,000   0 0   2,787,000 0      
          purchases of securities available for sale
        		            -258,148,000 -329,455,000 -7,372,228,000  -1,174,985,000 -2,710,273,000 -1,530,779,000 -68,850,000 -1,688,996,000 -2,502,711,000 -1,129,986,000  -1,144,050,000 -1,046,439,000 -58,884,000 -975,092,000 -719,677,000 -734,162,000 -43,868,000 -518,438,000 -689,067,000 -373,073,000 -44,838,000 -23,695,000 -366,000,000   -141,715,000 -13,998,000 -8,205,000 
          proceeds from maturities, calls and pay downs of securities available for sale
        		              7,200,419,000  1,165,243,000 2,758,230,000 1,528,836,000 72,574,000 1,712,768,000 2,486,343,000 1,128,949,000  1,152,871,000 1,027,964,000 32,333,000  691,765,000 681,764,000 17,241,000  707,731,000 383,320,000 16,479,000  357,183,000 162,812,000 8,868,000    
          proceeds from exercise of common stock warrants
        		                       -460,467 8,000 303,000 152,000 0 0 0 55,000            
          accretion of income recognized on acquired loans
        		                -7,233,000 -7,159,000 -9,142,000 -10,843,000 -9,880,000 -16,262,000 -9,086,000  -3,209,000 -2,674,000 -3,503,000      -856,000 -2,029,000 -1,333,000        
          (gain) loss on sale and disposal of premises and equipment
        		                                          
          gain on sale of branch
        		                                          
          deferred tax (benefit) expense
        		                                   -943,000 -3,186,000 793,000 -599,000    
          benefit from loan losses
        		                        1,525,000 2,730,000 2,695,000  1,873,000 2,472,000 2,023,000   2,123,000 2,997,000 1,970,000 3,932,000 1,659,000 1,670,000 830,000 1,079,000 1,030,000 
          purchases of certificates of deposit held in other banks
        		                   -4,000 -747,000                      
          proceeds from surrender of bank owned life insurance contracts
        		                   415,000 0                      
          selling costs paid in connection with branch sale
        		                   0                       
          net cash transferred in branch sale
        		                   0            0           
          provision for loan losses
        		                 23,121,000 8,381,000    3,224,000         2,197,000           
          gain on sale of premises and equipment
        		                         89,000 8,000  21,000 -1,000 -5,000   -3,000 -38,000        
          gain on sale of branches
        		                                          
          gain on sale of trust business
        		                                          
          (gain) loss on sale of securities available for sale
        		                                          
          (gain) loss on sale of other real estate owned
        		                        -95,000                  
          gain on sale of repossessed assets
        		                                          
          proceeds from sale of repossessed assets
        		                                          
          capitalized additions to other real estate
        		                                     0 -10,000 -22,000 -8,000 -55,000 
          proceeds from sale of trust business
        		                                          
          net change in repurchase agreements
        		                           -6,393,000 -926,000   0 0 0 8,528,000   -409,000 1,771,000    
          proceeds from sale of common stock
        		                                       -20,000   
          loss on sale of securities available for sale
        		                      -245,000    224,000                
          loss on sale of premises and equipment
        		                    315,000 279,000 -9,000                    
          cash received from acquired bank
        		                    0 0 39,913,000 -44,715,575 0                  
          net gain on loans held for sale
        		                     -3,575,000 -2,799,000                    
          proceeds from other borrowings, net of issuance costs
        		                      21,000,000                    
          redemption of preferred stock
        		                               0 0 0 -23,938,000        
          amortization of core deposit intangibles
        		                        1,519,000 1,393,000 1,331,000 1,328,000 1,409,000 1,410,000 492,000 492,000 492,000 492,000 488,000 453,000 363,000 367,000 372,000 175,000 176,000 176,000 
          (gain) loss on sale of premises and equipment
        		                                          
          loss on sale of branch
        		                               0           
          purchases of certificates of deposits held in other banks
        		                                          
          proceeds from maturities of certificates of deposits held in other banks
        		                         8,575,000 3,185,000                
          net (purchases) redemptions of fhlb stock
        		                                   -718,000       
          net originations of mortgage warehouse purchase loans
        		                                          
          net purchases of fhlb stock
        		                              -48,000    -8,108,000        
          net proceeds from pay-offs of mortgage warehouse purchase loans
        		                          39,994,000                
          amortization of discount and origination costs on other borrowings
        		                              89,000 90,000 87,000          
          loss on sale of branches
        		                                          
          loss on sale of other real estate owned
        		                                          
          increase in cash surrender value of life insurance
        		                           -789,000 -778,000 -782,000 -399,000 -411,000 -402,000 -270,000 -265,000 -271,000 -268,000 -268,000 -270,000 -80,000 -79,000 -81,000 
          proceeds from maturities and paydowns of securities available for sale
        		                                          
          net redemptions (purchases) of fhlb stock
        		                           2,000 1,000              
          capitalized additions to other real estate owned
        		                           2,000 -179,000 -679,000 -174,000            
          cash received from acquired banks
        		                           0 0              
          cash paid in connection with acquisitions
        		                           0 0              
          selling costs paid in connection with branch sales
        		                                          
          net cash transferred in branch sales
        		                                          
          repayments of notes payable and other borrowings
        		                                          
          offering costs paid in connection with acquired banks
        		                           0 0       -424,000 0 0 -144,000    
          net proceeds from issuance of common stock
        		                                          
          gain on sale of other real estate
        		                            0              
          purchases of certificates held in other banks
        		                            0 1,225,000 -3,185,000            
          maturities of certificates held in other banks
        		                                          
          net loans originated - held for investment
        		                            -113,640,000              
          net purchases of mortgage warehouse purchase loans
        		                                          
          net increase in demand deposits, now and savings accounts
        		                            319,605,000 175,156,000 141,116,000 184,476,000 123,300,000 49,477,000 163,847,000 54,439,000 15,859,000 76,632,000 98,901,000 46,684,000 53,682,000 8,975,000 
          net loans originated - mortgage warehouse
        		                                          
          gain recognized on other real estate transactions
        		                                -4,000 -10,000 -43,000  -41,000 -49,000 -130,000    
          loans originated for sale
        		                              -51,631,000  -72,883,000 -84,203,000 -49,481,000  -52,785,000 -57,737,000 -55,984,000 -37,217,000 -47,940,000 -47,740,000 
          net loans originated
        		                              -129,883,000 -211,792,000 -113,238,000 -120,593,000 -138,693,000 -183,612,000 -163,037,000 -71,325,000 -102,646,000 -44,337,000 -96,372,000 -49,419,000 
          accretion related to acquired loans
        		                                          
          stock grants amortized
        		                                       455,000 412,000 182,000 
          net loss on sale of premises and equipment
        		                                          
          mortgage loans originated for sale
        		                                          
          proceeds from sale of mortgage loans
        		                                          
          cash paid in connection with branch sale
        		                               0           
          net proceeds from sale of common stock
        		                                          
          deferred tax benefit
        		                                       154,000   
          proceeds from maturities of certificates held in other banks
        		                                12,886,000 26,448,000 22,412,000     3,437,000 897,000 3,038,000 
          net income on sale of premises and equipment
        		                                   -16,000       
          net change in fhlb advances
        		                                     -25,020,000 -10,019,000 -3,022,000 -23,000 -49,000 
          proceeds from short-term borrowing
        		                                          
          amortization (accretion) of premium (discount) on securities
        		                                       16,000   
          net (gain) loss on sale of premises and equipment
        		                                          
          (gain) loss recognized on other real estate transactions
        		                                       0 -148,000 -25,000 
          proceeds from maturities and pay downs of securities available for sale
        		                                       123,646,000 13,104,000 6,137,000 
          treasury stock purchased
        		                                          
          accretion of discount on securities
        		                                         -1,000 
          net gain on sale of premises and equipment
        		                                         -1,000 
          net redemptions of fhlb stock